Health Insurance · Houston, TX
HEALTH COVERAGE THAT FITS YOUR LIFE AND YOUR BUDGET.
Whether you're self-employed, between jobs, or shopping for your family, I'll explain your options in plain words and help you choose a plan that fits.
Coverage overview
What Health Insurance Covers
Every household is different. I'll help you compare plans, networks, and costs, so you only pay for what you need.
Individual and Family
Plans for you, your spouse, and your kids, with doctors, prescriptions, and preventive care covered.
Marketplace Savings
Marketplace plans that may include tax credits based on income. I'll check what you can qualify for.
Self-Employed
Coverage for freelancers, contractors, and business owners who don't get health benefits from a job.
Short-Term Plans
Short-term coverage that can bridge a gap between jobs. It has limits, and I'll explain them to you.
Dental and Vision
Dental and vision plans for checkups, cleanings, glasses, and contacts, alone or with a health plan.
Supplemental Plans
Accident, critical illness, and hospital plans that pay cash to help cover your out-of-pocket costs.
Who It's For
Self-employed people and business owners.
Anyone between jobs or leaving an employer plan.
Families shopping during open enrollment.
Early retirees not yet eligible for Medicare.
Good To Know
Open enrollment has deadlines. On HealthCare.gov, open enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1.
Life events open a window. Losing coverage, getting married, having a baby, or moving can qualify you for a Special Enrollment Period, usually 60 days.
Source: HealthCare.gov
How It Works
Step 1
Tell Me Who Needs Cover
Share who needs coverage, their ages, your ZIP code, and the doctors or medications you rely on.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
2006
In Insurance Since
2014
Writing P&C Since
2019
Serving Houston Since
EN / ES
English & Español
COMPARE PLANS YOURSELF
Prefer to Shop on Your Own?
Some people like to look at plans and prices on their own first. HealthSherpa is a free enrollment site approved by CMS, the agency that runs HealthCare.gov. Shop there, and you still have me in your corner, in English or Spanish.
See Plans for Your ZIP
Enter your ZIP code and a few household details to see Marketplace plans and prices for your family.
Same Marketplace Savings
The Marketplace decides what savings you qualify for, the same way it does on HealthCare.gov itself.
I'm Still a Call Away
If a question comes up, call or text me. I can go over the plan you like with you before you enroll.
OPEN ENROLLMENT
November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
Frequently Asked Questions
COMMON QUESTIONS
When can I sign up?
Open enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027. Enroll by December 15 if you want coverage to start January 1.
Can I enroll outside open enrollment?
Yes, if you have a qualifying life event like losing coverage, getting married, having a baby, or moving. You usually have 60 days from the event.
Will I qualify for a tax credit?
It depends on your household income and size. I'll check before we compare plans, so you see your real cost.
What's the difference between a marketplace plan and a short-term plan?
Marketplace plans must cover pre-existing conditions and essential benefits. Short-term plans can cost less, but they may exclude pre-existing conditions and many services.
Do you help people who are self-employed?
Yes. I help freelancers, contractors, and business owners find individual coverage. If you have employees, ask me about group health too.
OFTEN PAIRED WITH
Health coverage is one piece. These are the coverages families often add alongside it.
Life Insurance
Protects your family's income if something happens to you.
Employee Benefits
Group health, dental, and vision for business owners with a team.
Dental and Vision
Checkups, cleanings, and glasses, with or without a health plan.
TALK TO KEVIN
Questions About Your Health Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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