ACA Marketplace Plans (Obamacare)
Affordable Health Insurance in Irving, Texas
We specialize in helping Irving residents understand their options, apply for subsidies, and choose plans that protect both their health and their wallet.
What Is an ACA Marketplace Plan?
ACA Marketplace Plans were created under the Affordable Care Act to ensure every American has access to quality health insurance, regardless of income or pre-existing conditions.
These plans must cover the 10 Essential Health Benefits, including:
Doctor visits and hospital care
Prescription medications
Maternity and newborn care
Mental health services
Preventive and wellness visits
Emergency services
Why Irving Residents Choose ACA Marketplace Coverage
Key Advantages of Obamacare Plans in Texas:
Financial Help with Premiums: Most Irving households qualify for tax credits or subsidies based on income. Many pay less than $100 per month.
Pre-Existing Condition Protection: Coverage is guaranteed, no matter your health history.
Comprehensive Benefits: Plans must cover the full range of essential health services.
Choice of Local Providers: Many ACA plans include access to hospitals like Texas Health Harris Methodist Fort Worth, Baylor Scott & White All Saints, and Cook Children’s.
The Metal Tiers: Bronze, Silver, Gold, and Platinum
ACA plans are divided into metal tiers, which indicate how costs are shared between you and the insurance company.
Bronze Plans
Lowest monthly premiums
Higher deductibles and out-of-pocket costs
Good for: healthy individuals who want low monthly payments
Silver Plans
Moderate premiums and balanced costs
Subsidies and cost-sharing reductions are tied to Silver plans
Good for: families and individuals who qualify for subsidies
Gold Plans
Higher monthly premiums
Lower deductibles and out-of-pocket costs
Good for: people with ongoing medical needs or prescriptions
Platinum Plans
Highest monthly premiums
Very low out-of-pocket costs
Good for: those who want maximum coverage with minimal bills at the point of care
At The Shields Agency Fort-Worth, we’ll walk you through each tier to ensure you choose the plan that best matches your health needs and budget.
Local Expertise Matters in Irving
National call centers and online platforms treat health insurance like a numbers game. At The Shields Agency, we live and work in Irving. That means we understand:
Which Tarrant County hospitals and clinics are in-network for each plan
How ACA plans interact with local providers
The unique needs of Irving small business owners, freelancers, and families
When you work with us, you’re not just another enrolment number — you’re part of the local community we serve.
Open Enrollment and Special Enrollment in Texas
ACA Marketplace coverage is only available during set windows:
Open Enrollment Period: November 1 – January 15
Special Enrollment Periods (SEP) - Triggered by life events such as:
Losing job-based coverage
Moving to Texas or within Irving
Marriage or divorce
Birth or adoption of a child
Missed a deadline?
Our team can help you determine if you qualify for a Special Enrollment Period.
Annual Updates to ACA Plans in Texas
ACA rules and subsidy levels are reviewed each year, which means your options can change.
Recent updates for Texans include:
Extended subsidies that help keep premiums lower for middle-income families
More carriers entering the Texas Marketplace, expanding Irving’s plan choices
Shifting provider networks, which makes it important to check that your doctors remain in-network each year
By working with The Shields Agency, you’ll always stay up to date and make informed decisions.
Who Should Consider an ACA Marketplace Plan?
ACA coverage is ideal for:
Self-employed professionals in Irving (consultants, contractors, freelancers)
Families without employer-sponsored coverage
Students or recent graduates starting their careers
Texans approaching retirement but not yet Medicare-eligible
Households earning below 400% of the Federal Poverty Level (qualify for subsidies)
The Shields Agency Difference
Why choose us instead of enrolling on your own?
No Extra Cost to You: Plans cost the same whether you enrol through us or on your own.
Personalised Guidance: We translate jargon into clear answers.
Local Knowledge: We know Irving providers and networks.
Year-Round Support: If your income changes, or you move, we adjust your coverage.
Family-Centred Values: As a female-led, Irving-based agency, we put people before profits.
FAQs
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Yes — but it depends on the plan’s network. We verify this for you before you enroll.
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Costs depend on income, family size, and plan tier. Many Texans pay under $100 per month after subsidies.
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Subsidies adjust. We help you report updates to avoid end-of-year tax issues.
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Yes — all ACA plans include maternity and newborn coverage.
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Yes. Your premium is the same whether you go direct or through us. We are paid by the carriers, not you.
Get Started with ACA Marketplace Plans in Irving
Health insurance is too important to leave to chance. Whether you’re a freelancer, a family, or between jobs in Irving, ACA Marketplace plans provide peace of mind and essential coverage.
At The Shields Agency, we simplify the process, explain your options, and guide you every step of the way.
📞 Call us today to schedule your free ACA consultation.
📍 Visit our office in Fort Worth, Texas, or connect with us online.
ACA Marketplace Plans give Irving families and individuals access to affordable, comprehensive health insurance — with financial help for those who qualify.
With The Shields Agency as your local guide, you’ll get the right coverage, keep your doctors, and enjoy peace of mind knowing you’re supported year-round.