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Our team

Meet the Team

A small team, and a real person on the phone.

See my optionsCall (214) 307-8614
GK
Graham Kerswell
Founder and owner

Graham founded Affordable Healthcare Texas after years of working around healthcare administration. He saw how hard it was for families to understand what they were paying for, and became especially interested in direct primary care, which puts the doctor relationship and its cost into a structure people can understand.

Graham writes and reviews the guides on this site. He isn't a licensed insurance agent, and he doesn't sell insurance. He isn't based in Texas; he works with Texas families by phone and video. Outside work, he enjoys cooking, reading and time with his family, and early-morning walks with his dog.

How we work together

We start by listening: who needs care, what you pay now, your budget and your worries. Then we explain the options that fit and the questions that matter. We also make sure you know what an option is not, including eligibility rules, exclusions and what you'd still owe yourself.

Read more about the company or see our guides.

Talk with Graham's team

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (214) 307-8614

Free, no obligation. Texas households only.

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.