Health Insurance

Affordable protection for every stage of life

Safe Hands Insurance Services helps clients compare health insurance and choose coverage that fits their needs, whether you’re self-employed, between jobs, or buying insurance for your family. With personalized guidance and clear explanations, we simplify the process so you can make confident decisions about your health care.

Explore your coverage options

Compare Plans and Find the Right Fit

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Individual Health Insurance

Personalized plans who buy their own coverage, whether you’re self-employed or not covered by an employer.

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Short-Term Health Insurance

Temporary coverage to bridge the gap if you missed open enrollment or are transitioning between plans.

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ACA Health Insurance Plans

Marketplace coverage that includes essential benefits and may qualify for federal subsidies to lower costs.

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Simple guidance from a trusted independent broker

Real help for Clients Seeking Affordable Health Insurance

Safe Hands Insurance Services works with individuals and families to find health coverage that fits their doctors, budget, and lifestyle. We review plan networks, benefits, and subsidies to identify the best options available through the federal Marketplace or private carriers. Whether you live in the Dallas–Fort Worth metroplex, Texas or one of our other supported States (Florida, Illinois, Louisiana, Oklahoma, Tennessee or Pennsylvania), our independent advisors compare multiple insurers so you can focus on what matters most—your health, not the paperwork.

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Common questions about individual and family coverage

Answers from health insurance advisors

  • When can I apply for health insurance?

    Most people enroll during the federal Open Enrollment Period, which runs from November 1 to January 15 each year. However, you may qualify for a Special Enrollment Period if you’ve recently lost coverage, moved, married, divorced, or had a baby, or other Qualified Life Event (QLE). Safe Hands Insurance Services can help determine whether you qualify and guide you through the next available enrollment window.

  • How does the Affordable Care Act help lower costs?

    ACA Marketplace plans include premium tax credits based on income and family size, which can significantly reduce monthly costs. Many Texans qualify for these subsidies, and some may also receive cost-sharing reductions to lower deductibles and copays. Our advisors help calculate your eligibility and find the most affordable plan that still meets your healthcare needs.

  • What’s the difference between individual and ACA Marketplace plans?

    All ACA Marketplace plans are individual plans, but not all individual policies are purchased through the Marketplace. The difference is that Marketplace plans may qualify for federal subsidies, while off-exchange individual plans do not. We’ll help you explore both to see which provides the best value and provider access for your situation.

  • Can I get coverage outside of Open Enrollment?

    Yes, if you have a qualifying life event or need temporary protection, you can apply for a Short-Term Health Insurance plan. These policies offer coverage for a few months and can fill gaps while waiting for your next eligibility period. They aren’t ACA-compliant but can still help cover unexpected medical costs.

  • Are pre-existing conditions covered under these plans?

    ACA-compliant health plans cover pre-existing conditions from day one, with no waiting periods or exclusions. Short-term plans, however, generally exclude pre-existing conditions and provide more limited benefits. Safe Hands Insurance Services will explain these differences clearly so you can make the right choice for your health situation.