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Green trails at Buffalo Bayou Park with the downtown Houston, Texas, skyline behind them

Houston · Harris County, Texas

Houston health insurance broker. For contract and project workers.

Free help for Houston workers who move from project to project. On a 1099 for a plant job, working construction, or between contracts? We compare HealthCare.gov plans that stay with you. We are licensed in Texas.

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Photo: "Houston May 2022 13 (Buffalo Bayou Park and skyline)" by Michael Barera, via Wikimedia Commons, licensed under CC BY-SA 4.0. Cropped, resized, and converted to WebP. Modified from the original. This edited version is also licensed under CC BY-SA 4.0.

Questions we hear

Between
contracts?

Roughly 26 in 100 Houstonians younger than 65 lacked health insurance in Census Bureau counts. Contract workers ask us these.

“My contract ends in March. Should I still buy a plan for the year?”

If you have no other coverage, yes. A plan you buy yourself stays with you between contracts, so you don't start over each time.

“My pay is big some years and small in others. What do I put down?”

Your closest estimate for 2027. If you land a big contract, update your estimate so you don't owe money back.

“I work out of town for weeks. Will my plan work there?”

Under current law, Marketplace plans cover emergency care anywhere in the U.S. Routine care usually has to be in the plan's network.

Houston by the numbers

The biggest city
in Texas.

Houston is mostly in Harris County. These numbers are from the Census Bureau.

About 2.3 million

Houstonians, by Census counts for 2020-2024.

$64,813

was the typical (median) Houston household income.

About 42 in 100

of Houston homes are owned by those living there.

About 34

is roughly Houston's median age.

About 13 in 100

of Houston workers mainly work at home.

About 26 in 100

of Houstonians under 65 had no insurance.

About 9 in 100

of Houston adults 19-64 had just a plan they bought.

Source for Houston: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Contract-work help
in Houston.

We are not tied to one insurer. We line up Texas plans and roll the premiums and deductible into one yearly number.

A plan you buy yourself does not end when a contract does. That is a big reason project workers pick their own coverage.

Turnarounds, shutdowns, and overtime can make one year look nothing like the last. We build your estimate from the jobs you have lined up, not just last year's tax form.

If a staffing firm offers a plan, we compare its cost and its doctors with a plan you'd buy yourself.

Some Houston plans keep you to a smaller group of doctors to hold the price down. We show you who is in each one.

After a storm or a long plant shutdown, pay can drop for months. If your income changes, update your application.

  • Help for 1099 and contract workers
  • Licensed in 20 U.S. states · Agent NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for project workers.

Household and ZIP

Ages and your Houston ZIP code.

Your contracts

Expected 2027 pay, job by job.

Choose a plan

Yearly costs and doctors checked.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

Covered from one
job to the next.

A plan tied to a job can end the same day the job does. After our call, you'll have:

  • A 2027 pay estimate built from your contracts
  • A full-year cost for each plan
  • Your Houston doctors checked
  • Coverage that does not depend on who hires you next

Straight answers

Houston health insurance questions.

When can Houston contract workers enroll for 2027?

Texas runs its sign-up through HealthCare.gov. As of October 24, 2026, under current law, that window is November 1, 2026, to January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still on appeal, with argument set for October 30, 2026. Confirm the dates before you enroll. A plan chosen by mid-December, the 15th, can begin with the new year. Losing other coverage between contracts usually opens a 60-day window too.

Could I get Medicaid in Texas between jobs?

Probably not as a single adult. As of October 24, 2026, Texas is one of the states that KFF says has not taken the ACA Medicaid expansion, so most working-age adults without kids don't qualify.

Can I deduct my premiums?

Some self-employed people can. A tax professional can tell you if it applies to you.

What if a contract comes with benefits?

You can keep your own plan, but you may lose your tax credit if the job plan counts as affordable. We look at the offer.

Will a plan cover care in the Texas Medical Center?

Some plans include hospitals there and some don't. We look up the ones you'd use.

What if I move for a long job in another state?

A permanent move usually means a new plan in that state. Tell us, and we can help you time it.

Do I need to send pay stubs?

HealthCare.gov may ask for proof of income. Keep your 1099s and invoices handy.

Is Houston in one county?

Mostly Harris County, with small parts in Fort Bend and Montgomery Counties.

More help

Do 1099 contractors get health insurance? Self-employed nationwide PPO Remote and travel PPO options All areas we serve

Open enrollment starts November 1

Comparing plans in Houston?

Map out your year on a free 15-minute call, or start a quote online. Nothing to sign.

Book a 15-minute call Get a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 24, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Houston / Harris, Fort Bend, and Montgomery Counties, Texas.