What We Do

We understand that choosing the right benefits can feel overwhelming, so we work to make the process as simple and supportive as possible. With experience across a wide range of benefit areas, we’re able to offer thoughtful guidance and comprehensive solutions.

Our mission is simple: Put our clients first. We provide clear information, personalized guidance, and hands-on assistance to help individuals choose Medicare and Affordable Care Act (ACA) plans. We never charge a fee for our services. Our support extends beyond the initial plan selection—we remain available to assist you before and after enrollment, helping you understand and use your coverage with confidence.

Medicare Coverage

Medicare is federal health insurance for people age 65 and older. It also helps cover certain younger people with disabilities. Medicare can help pay for hospital stays, doctor visits and other medical services, and prescription medications.

New to Medicare?

Participating in Medicare Advantage?


Medicare Supplement/Medigap?

More about Medicare Supplement

Navigating Medicare can be challenging!

Got questions? — For immediate assistance, call us or click the button below, complete the intake form, to request a Medicare Agent contact you……

Affordable Care Act (ACA)

The Affordable Care Act is a health care law that was passed in 2010 to help make insurance more affordable and accessible for individuals and families. It also gives important protections to people with pre-existing conditions.

U.S. citizens and individuals who are lawfully present in the United States, are not incarcerated, and are age 18 or older may apply for coverage. Individuals age 65 or older who do not qualify for premium-free Medicare Part A may also be eligible for ACA Marketplace coverage, depending on their circumstances.

Income and Subsidy Considerations
  • Example: For 2026 – for a family of four: (Note: these amounts change each year)
    • 100% FPL: $31,200 (Minimum to qualify for subsidy)
    • 400% FPL: $124,800 (Maximum to qualify for subsidy)
Enrollment (Open Enrollment and Special Enrollment Periods)
  • Open Enrollment Period (OEP): Begins each year on November 1st and ends on January 15
  • During this period, you can enroll in, renew, or change health insurance plans
    • Changes made during this period will be effective the January 1st of the following year. Example: Changes made between 11/1/2026 and 1/15/2027 will be effective 1/1/2027.
  • Special Enrollment Period: Allows you to enroll in or change Marketplace health coverage outside the Open Enrollment period if you experience a qualifying life event
  • Qualified Life Event that may qualify you to make a change to your current year ACA Healthcare coverages:
    • Marriage, divorce, legal separation, death of a family member, birth adoption or foster care, dependent child turning age 26.
    • Loss of coverage, due to loss of job, Medicaid, CHIP, other qualifying health insurance or newly eligible for Marketplace subsidies.
    • Change of residence, due to moving to a new zip code, moving in or out of the country
    • There other Special circumstances, such as Natural disasters, errors in plan information, or other administrative errors.

Are you or a family member searching for affordable health coverage — Call us or click on the Self-Service button below to check your eligibility………………….

Stand-alone Dental and/or Vision plans

Hospital Indemnity

Critical Illness

Long-Term Care Insurance

Life Insurance & Final Expense Coverage

Let’s Connect

Phone: 1+(430) 367-3169

Email: contact_us@65benefitsoptions4u.onmicrosoft.com

Mailing Address: 539 W. Commerce Street, Suite 4018, Dallas, TX 75208