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The downtown Lubbock, Texas, skyline

Lubbock · Lubbock County, Texas

Lubbock health insurance broker. For self-employed and farm families.

Free help for Lubbock growers, ranchers, and other self-employed people whose income rises and falls with the season. We build your 2027 income estimate, then compare HealthCare.gov plans near you. We are licensed in Texas.

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  • No Spam Calls

Photo: "Lubbock, Texas skyline" by Quintin Soloviev, via Wikimedia Commons, licensed under CC BY 4.0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

Working for
yourself?

About 16 in 100 Lubbock residents under 65 had no health coverage, the Census Bureau reports. Self-employed people ask us things like these.

“What income do I put down?”

HealthCare.gov says self-employed people use net self-employment income. That's what your business brings in, minus business expenses.

“My income swings by season. Now what?”

Give your best yearly estimate and update it when things change. A closer number means fewer surprises when you file taxes.

“Can I write off my premiums?”

Some self-employed people can. The IRS has rules for the self-employed health insurance deduction, so talk with a tax professional.

Lubbock by the numbers

Hub of the
South Plains.

Lubbock was incorporated in 1909 and is named for Thomas S. Lubbock. Texas Tech opened here in 1923. These figures come from the Census Bureau.

About 265,000

people call Lubbock home, per 2020-2024 Census data.

$60,895

is the median Lubbock household income.

About 51 in 100

of Lubbock homes are owned by those living there.

About 31

is Lubbock's median age.

About 7 in 100

of Lubbock workers mostly worked from home.

About 16 in 100

of Lubbock residents under 65 had no coverage at all.

About 10 in 100

of Lubbock adults 19 to 64 bought their own plan and had nothing else.

Source for Lubbock: 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

Self-employed help
in Lubbock.

We pull up Lubbock plans from several insurers. Each one shows the monthly price after any tax credit, the deductible, and the yearly limit.

We also look at your last tax return and this year's books, so the income on your application matches how your business really runs.

Cotton, cattle, and side jobs all count. We help you add up each income stream so the yearly total on your application is as close as we can get it.

  • Help for farmers, ranchers, and the self-employed
  • 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 your business.

Your books

Net income for the year.

Your credit

Any help with the cost.

Your plan

Doctors and price compared.

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

What you get

Coverage that fits
a seasonal income.

You'll know how your income and your plan connect. After our call, you'll have:

  • 2027 plans sold in your Lubbock ZIP code
  • A net income estimate built from your books
  • A note on when to update your income
  • December 15, 2026, marked for a January 1 start

Straight answers

Lubbock health insurance questions.

When is open enrollment for 2027 in Texas?

Lubbock residents enroll on HealthCare.gov. As of November 3, 2026, HealthCare.gov lists 2027 open enrollment as November 1, 2026, through January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still in the courts. Check HealthCare.gov for the latest dates. Sign up by December 15 for coverage on January 1, or by January 15 for February 1.

Did Texas expand Medicaid?

No. As of November 3, 2026, KFF lists Texas as not adopting the ACA Medicaid expansion. Texas Medicaid still covers some children, pregnant women, and people with disabilities.

What if my income ends up higher than I thought?

Under current law, you may have to pay back some of the tax credit when you file. Updating your income during the year helps.

What county is Lubbock in?

Lubbock is the seat of Lubbock County, on the South Plains of West Texas.

Do farm losses lower my income for the application?

They can, since the Marketplace looks at net income. Ask a tax professional how your losses count on your return.

Can my spouse and kids go on the same plan?

Yes. A family can enroll together, and everyone in the tax household is part of the income count.

More help

Farmer health insurance Self-employed health insurance deduction Self-employed health insurance cost All areas we serve

Open enrollment for 2027 runs Nov 1, 2026 to Jan 15, 2027.

Comparing plans in Lubbock?

Sort out coverage for your business on a free 15-minute call, or start a quote online. Up to you.

Book a 15-minute callGet a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked November 3, 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. Lubbock / Lubbock County, Texas.