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Not sure where to start? Find the solution that matches your situation. Every consultation is free and obligation-free.

ACA

Can't Afford Health Insurance?

Get coverage for $0-$50/month with Premium Tax Credits. Most Texas families qualify for significant savings on ACA Marketplace plans.

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Job Loss

COBRA Too Expensive?

Save 50-90% by switching from COBRA to an ACA Marketplace plan. Keep great coverage without the sky-high premiums.

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Job Loss

Lost Your Job & Need Coverage?

Get health insurance in as little as 5 minutes after job loss. Special enrollment means you don't have to wait for open enrollment.

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Medicare

Medicare Too Expensive?

Save $100-200/month on Medicare by finding a plan that better fits your needs. Keep your doctors and get better coverage for less.

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Medicare

Turning 65 & Need Medicare Help?

Navigate Medicare enrollment with free guidance from a licensed agent with 30+ years experience. Avoid costly mistakes.

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Common Questions

Frequently Asked Questions

We understand that health insurance can be confusing. Below are answers to the most common questions we receive about ACA plans, Medicare, and group insurance.

About eInsurancePlace

How much do your services cost?

Our services are completely free to you. insurance companys pay us a commission, and premiums are the same whether you buy directly or work with us. The difference is you get expert guidance at no extra cost.

What insurance companys do you work with?

We're an independent agent working with all major Texas insurance companys including Blue Cross Blue Shield, Molina, Oscar, Aetna, Humana, UnitedHealthcare, HealthSpring, Ambetter, and many others. This allows us to compare plans and find your best option.

Are you licensed in Texas?

Yes, Larry Fisackerly is a licensed Texas insurance agent with over 30 years of experience. We're authorized to sell ACA marketplace plans, Medicare insurance, and group health insurance throughout Texas.

How quickly can you help me get coverage?

During Open Enrollment, we can typically get you enrolled within 1-2 business days. If you qualify for a Special Enrollment Period due to a life event, we can usually help you within the same timeframe.

ACA Marketplace Plans

What is the ACA marketplace?

The Affordable Care Act (ACA) marketplace, also called Healthcare.gov, is where individuals and families can shop for health insurance plans. Many people qualify for premium Tax Credits that reduce monthly costs.

How do premium Tax Credits work?

Premium Tax Credits are subsidies based on your household income and size. They reduce your monthly insurance premiums. For 2026, most people earning between 100% and 400% of the Federal Poverty Level qualify, and many above 400% also receive assistance.

What are the metallic plan levels?

ACA plans come in four metal tiers: Bronze (lowest monthly premium, highest out-of-pocket costs), Silver (moderate premium and out-of-pocket costs), Gold (higher premium, lower out-of-pocket costs), and Platinum (highest premium, lowest out-of-pocket costs). All cover essential health benefits.

When is Open Enrollment?

The annual Open Enrollment Period runs from November 1st through January 15th. Outside of this period, you need a qualifying life event (marriage, birth, loss of coverage, etc.) to enroll in an ACA plan.

Medicare Insurance

When can I enroll in Medicare?

Your Initial Enrollment Period is the 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). There's also an Annual Enrollment Period (Oct 15 - Dec 7) when you can change plans.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes prescription drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like copays and deductibles. We can help you decide which is better for your situation.

Do I need prescription drug coverage?

If you're on Original Medicare without a Medicare Advantage plan that includes drug coverage, you should enroll in a Part D prescription drug plan to avoid penalties and reduce medication costs.

What if I'm still working at 65?

If you have employer health insurance when you turn 65, you may be able to delay Medicare enrollment without penalty. We can review your specific situation and advise on the best approach.
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What Our Clients Say

See What Our Clients Say

30+ Years of Trusted Insurance Service

Your insurance recommendation saved my life. Thank you for being there for my bell ringing ceremony, and for taking the photos and videos — people have loved them. Thank you for being part of my recovery.

CK
Charles Koenig

Larry was incredibly helpful in navigating the ACA marketplace. He explained everything in plain English and helped me find a plan with premium Tax Credits that saved me over $400 per month. I couldn't have done it without his expertise!

MG
Maria G.
Austin, TX

After turning 65, I was completely overwhelmed by Medicare options. Larry patiently walked me through Medicare Advantage vs. Supplement plans, compared prescription drug coverage, and helped me enroll with confidence. Best insurance experience I've ever had.

RT
Robert T.
Houston, TX

As a small business owner, I needed affordable health insurance for my employees. Larry introduced me to ICHRA and helped set everything up. My employees love having choice, and I'm saving money compared to traditional group plans. Highly recommend!

JM
Jennifer M.
Dallas, TX

I've worked with Larry for over 10 years. He's always available to answer questions, help with claims issues, and review my coverage annually. It's nice to have an agent who actually cares and isn't just trying to make a sale.

DL
David L.
San Antonio, TX

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