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Where we help

Affordable Healthcare Across Texas

We help households in every corner of the state by phone and video. Find your region's guide below.

  • Free, no obligation
  • Not an insurance agency
  • Honest about the limits
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Statewide, by phone and video

Texas is big, and Texans move around it: for oilfield and construction jobs, to the coast and back, and inland when a hurricane comes. That's one reason the alternatives suit many Texans: a virtual primary care membership works the same in Amarillo as in Brownsville, and health sharing doesn't use a provider network, so you can use the hospital that's closest to you, even in a neighboring state.

We don't have an office in Texas, and we won't pretend to. We're a small team that works with families by phone and video. Each regional guide lists its cities, the main hospitals, what's different about that part of the state, and who the alternatives fit there.

Don't see your town? We help anywhere in Texas. Tell us where you are or call (214) 307-8614.

Eight regions

Dallas–Fort Worth

Dallas, Fort Worth, Arlington, Plano, Frisco, McKinney, Irving and Denton. The biggest metro in Texas, and a lot of people who work for themselves.

Dallas–Fort Worth guide →

Houston & the Gulf Coast

Houston, Katy, Sugar Land, The Woodlands, Pearland, Baytown, Galveston and Beaumont. Home to the Texas Medical Center, and to a lot of energy and port contractors.

Houston & the Gulf Coast guide →

Austin & Central Texas

Austin, Round Rock, Georgetown, San Marcos, Killeen, Temple, Waco and Bryan–College Station. Tech freelancers, small businesses, and a Marketplace insurer that's leaving.

Austin & Central Texas guide →

San Antonio & the Hill Country

San Antonio, New Braunfels, Boerne, Seguin, Kerrville and Fredericksburg. Military City USA, and the Hill Country towns where many people retire early.

San Antonio & the Hill Country guide →

South Texas & the Rio Grande Valley

Corpus Christi, Laredo, McAllen, Edinburg, Mission, Harlingen and Brownsville. A region where many families fall into Texas's coverage gap, and where we'll tell you when the alternatives don't fit.

South Texas & the Rio Grande Valley guide →

West Texas & El Paso

El Paso, Midland, Odessa, San Angelo and Abilene. Oilfield paychecks that rise and fall, and long drives between towns.

West Texas & El Paso guide →

the Panhandle & South Plains

Amarillo, Lubbock, Canyon, Plainview and Wichita Falls. Farm, ranch and feedyard country, where many families buy their own plan.

the Panhandle & South Plains guide →

East Texas

Tyler, Longview, Texarkana, Lufkin, Nacogdoches and Marshall. Piney Woods towns where many families ask about Christian health sharing.

East Texas guide →

Want to see what this would cost your household?

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

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.