Complaints Policy

If something doesn't go the way you expected, we want to hear about it.

Last updated: October 19, 2026

How to raise a concern

Call (214) 307-8614 or email contact@affordablehealthcaretexas.com. It helps to tell us your name and best contact, roughly when you spoke with us, what you expected and what happened, and what outcome you want. Please don't include medical details or account numbers. You'll never be penalized for complaining.

What happens next

  1. We acknowledge it within two business days, from a person, not an automated reply.
  2. We look into it, including our notes and the people involved.
  3. We respond in writing within ten business days with what we found and what we'll do. If it needs longer, we'll say why and when.
  4. We check back to confirm it's resolved.

If you're still not satisfied

Ask for the complaint to be escalated to Graham Kerswell, the founder, who will review it personally.

You can also contact outside agencies at any time; using this policy first isn't required:

  • The Texas Department of Insurance, for concerns about insurance companies, agents and discount health care programs. Health care sharing ministries aren't regulated as insurance.
  • The Texas Attorney General's Office, Consumer Protection Division. Texas law says complaints about a health care sharing ministry may be reported there.

Concerns about a sharing program's or plan's decision should also be raised with that program, under its own appeal process.

Questions about this page? Call (214) 307-8614 or email contact@affordablehealthcaretexas.com and we'll get back to you.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Texas notice (Texas Insurance Code § 1681.002)
Texas law requires a health care sharing ministry to give this notice on or with its applications and guideline materials: “Notice: This health care sharing ministry facilitates the sharing of medical expenses and is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the ministry or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills. Complaints concerning this health care sharing ministry may be reported to the office of the Texas attorney general.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Texas law (Texas Occupations Code § 162.253), a direct primary care medical service agreement is not health or accident insurance and is not regulated by the Texas Department of Insurance. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. A discount health care program is NOT insurance (Texas Insurance Code ch. 562). It provides discounts at participating providers and does not make payments to providers; the member pays the entire discounted rate. The program does not guarantee the quality of the services or products offered by individual providers. Discount program operator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Texas is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.