Health coverage for real life
Health insurance touches everything from routine checkups to life-changing medical events. Understanding how plans actually work matters more than finding the lowest premium.
Get a health insurance quote
Request personal help with individual or family health coverage in Texas. Online ACA enrollment tools are planned for the 2027 plan year — join the update list or talk with an insurance professional today.
Short-Term Health Insurance from Pivot Health
Need temporary health coverage while between jobs, waiting for employer benefits, working independently, or looking for coverage outside an enrollment period? Pivot Health lets eligible individuals and families review available short-term health insurance options, compare plans, and apply online. Pivot Health short-term medical plans are limited-duration insurance and are not required to comply with all Affordable Care Act requirements. Plans may exclude pre-existing conditions or certain health benefits. Availability, eligibility, benefits, exclusions, policy duration, pricing, and effective dates vary by applicant and state. Review the plan documents carefully before enrolling. Coverage is issued and administered by the applicable carrier, not Omega Multi Services.
Individual & family coverage
Plans built for people who don’t get coverage through an employer — for yourself or your whole household.
ACA Marketplace
Marketplace plans follow Affordable Care Act rules, including coverage for pre-existing conditions and essential health benefits.
Premiums vs. deductibles
A lower monthly premium usually means paying more when you actually need care. The right balance depends on how your household uses healthcare.
Out-of-pocket maximums
This is the most you’d pay for covered care in a year — one of the most important numbers to compare between plans.