Anyone living in Texas can purchase their own health insurance if they are not covered through an employer, a spouse’s plan, or a government program like Medicaid or Medicare.

 

You might consider buying your own policy if you are:

 

• Self-employed or an independent contractor 
• Between jobs or in a coverage gap 
• Not offered insurance through your employer 
• A recent college graduate or aging out of a parent’s plan
• Retiring early and not yet eligible for Medicare

 

If you live in Conroe or Montgomery County, we can walk you through your eligibility and help you find a plan that works for your situation. 

Texas residents have several options for individual health insurance coverage, including: 

 

1. Marketplace Plans (ACA/Obamacare)

These plans are available through the Health Insurance Marketplace and offer comprehensive coverage, including: 

• Doctor visits 

• Hospitalization 

• Preventive care 

• Prescription drugs 

• Emergency services 

Depending on your income, you may qualify for premium subsidies that can significantly reduce your monthly cost. 

 

2. Short-Term Health Plans

Short-term plans offer temporary coverage and are ideal for people in transition. These plans: 

• Can start quickly (often within 24 hours) 

• Offer lower premiums 

• Provide basic coverage for unexpected illness or injury 

Note: Short-term plans do not include all ACA-required benefits and may not cover pre-existing conditions. 

 

3. Private Health Insurance

You can also purchase private plans directly through insurance carriers or with the help of a local health insurance agent. These may include more flexible networks or options not listed on the Marketplace. 

The cost of health insurance for individuals varies based on: 

• Your age
• Tobacco use 
• Coverage level 
• Type of plan (Marketplace vs. short-term) 
• Whether you qualify for financial assistance 

In many cases, residents in Conroe can find affordable plans with low premiums—especially with help from a licensed local agent who understands the market.

At AXS Health, we provide free, personalized consultations to help you find coverage that fits your needs without overpaying. 

Open Enrollment typically runs from November 1 to January 15 each year. However, you may still be able to buy health insurance outside of this window if you qualify for a Special Enrollment Period (SEP).

Common reasons you may qualify for a SEP include:

• Losing job-based coverage
• Getting married or divorced
• Moving to a new ZIP code
• Having a baby or adopting a child
• Turning 26 and aging out of a parent’s plan

 

If you’re unsure whether you qualify, we can help you find out in just a few minutes.

Buying health insurance on your own can be overwhelming—but it doesn’t have to be. As a trusted local health insurance agency in Conroe, TX, AXS Health is here to guide you every step of the way. 

Here’s how we make the process easier: 

• Unbiased guidance: We work with multiple insurance carriers to present your best options. 
• Help with subsidies: We’ll check if you qualify for savings and make sure you get them. 
• Plan comparisons: We’ll break down the differences between plans so you can make an informed decision.
• No cost to you: Our services are 100% free—we’re paid by the insurance providers, not you. 

If you’re asking, “Can I buy health insurance for myself in Texas?”—the answer is yes, and we’re here to help make it simple. 

AXS Health is proud to serve individuals and families throughout Conroe, TX, and the Montgomery County area with honest advice and one-on-one support. Whether you’re new to buying health insurance or just need help understanding your options, we’re here to make sure you get the healthcare coverage you deserve.