Health Insurance McAllen TX | ACA Plans Under 65 | McAllen Insurance Group
MIG Health Insurance · McAllen TX · Se Habla Español

No Insurance
Through Work?
We’ve Got You Covered.

ACA Marketplace plans for McAllen families, self-employed workers, and anyone without employer coverage. We shop every plan and find what fits your budget — free.

See My Plan Options → (956) 687-3334
1,000+
RGV families covered
5.0★
Google rating
Free
No cost to you
What people in McAllen typically pay
Age32 years old
Plan typeSilver — Ambetter
Income range$28,000/year
Est. monthly premium$45 – $90/month
IncludesDoctor visits ✓

Plans are changing for 2026. If your current plan has changed, your premium went up, or you’ve never checked your options — now is the time. A 15-minute call with Gerino could save you hundreds of dollars and make sure you’re actually covered.

Who this is for

If you don’t have insurance through a job — you qualify.

The ACA Marketplace is for anyone who doesn’t get health insurance through an employer. That covers a lot of McAllen families.

Self-employed
Contractors, freelancers, plumbers, electricians — anyone who works for themselves.
Small business owners
Running your own shop and your employer doesn’t offer a health plan.
Part-time workers
Your job doesn’t offer benefits. You still deserve real health coverage.
Lost job coverage
Left a job or got laid off? Losing coverage is a qualifying life event — you can enroll now.
New life event
New baby, new marriage, moved to Texas — life changes qualify you for Special Enrollment.
Currently uninsured
Never had insurance or let it lapse. There may be plans available at a price that works for you.
The Real Problem

Most people don’t know what they actually qualify for.

The ACA Marketplace has subsidies, cost-sharing reductions, and plan options that most people in McAllen never find out about — because nobody ever showed them. That’s our job.

We look at your income, your household size, and your situation — then show you every option you qualify for. Most people are surprised at how affordable coverage can be.

Ambetter
Blue Cross Blue Shield
Molina
Oscar Health
United Healthcare
+ More
“I looked online and got confused.”
Healthcare.gov shows you every plan — but doesn’t tell you which one is actually right for your doctors, your budget, and your family. We do that comparison for you.
“I didn’t think I could afford it.”
Most McAllen families qualify for tax credits that significantly lower their monthly premium. Some qualify for $0/month plans. You won’t know until you check.
“My plan changed and I don’t know what to do.”
Plans change every year. If your premium went up or your plan was discontinued, you may have better options available right now. Call us and we’ll check.
“I lost my job and lost my insurance.”
Losing job-based coverage is a qualifying life event — you can enroll in a Marketplace plan outside of Open Enrollment. You have 60 days. Call us today.
Why We’re Different

We work for you.
Not the insurance company.

We’re 5 minutes away.
504 N 10th St, Suite B-7, McAllen. Come in anytime. Real office, real face-to-face service.
Text us at 8pm. We reply.
No bots. No hold queues. Text (956) 687-3334 and a real person answers — same day.
⚖️
No carrier owns us.
We’re independent. We compare every plan on the Marketplace and show you what actually fits your situation.
English. Español. Your choice.
Health insurance is confusing enough. We explain everything clearly in whichever language you prefer.
Quick Quiz

Find your coverage in 30 seconds.

No personal info needed to start.

Step 1 of 3
How old are you?
Age helps us find the right plan options for you.
Step 2 of 3
Do you currently have health insurance?
Be honest — there’s no wrong answer here.
Step 3 of 3
What matters most to you?
Pick the one that fits best.
Free Quote — No Obligation

Find out what you qualify for.

Fill in 3 fields. Gerino personally calls or texts you within 1 hour with real plan options and real prices. No pressure. No obligation. Ever.

See My Plan Options
3 fields · Free · Real person calls within 1 hour
I’m uninsured
Lost job coverage
My plan changed
Paying too much
New life event
Just looking at options

Your info stays private. No spam. You can also text (956) 687-3334.

✅
You’re all set!
Gerino will call or text you within 1 hour with real plan options.
Can’t wait? (956) 687-3334
★★★★★

“I thought I couldn’t afford insurance on my own. Gerino found me a plan for $60 a month. I had no idea I qualified for that.”

— Google Review · McAllen, TX
★★★★★

“Lost my job in January and panicked about insurance. Called Gerino on a Wednesday and had a new plan by Thursday. He made it easy.”

— Google Review · McAllen, TX
★★★★★

“Gerino explained everything in Spanish and found my whole family a plan we could actually afford. I’ve sent everyone I know to him.”

— Google Review · McAllen, TX
Gerino Alejos - McAllen Health Insurance Agent
Gerino Alejos
Independent Agent & Owner · McAllen, TX
Your Forever Agent
FAQ

Questions McAllen families ask us.

Is your service really free? ▼
Yes — 100% free. Insurance carriers pay us when you enroll. You pay the exact same price as going directly — often less, because we know which plans have the best value. We have never charged a client a cent.
What’s the difference between ACA and regular health insurance? ▼
ACA plans are sold through the Health Insurance Marketplace (Healthcare.gov). They’re individual/family plans for people who don’t get coverage through an employer. The benefit is that depending on your income, you may qualify for tax credits that lower your monthly premium significantly.
Do I have to wait for Open Enrollment? ▼
Not always. If you’ve had a qualifying life event — lost a job, had a baby, got married, moved to Texas — you may qualify for a Special Enrollment Period and can enroll outside of Open Enrollment. Call us and we’ll tell you if you qualify.
I’m self-employed. Can I get ACA coverage? ▼
Absolutely. Self-employed workers are exactly who the Marketplace was built for. Your income from self-employment counts toward your subsidy eligibility. We help a lot of contractors, landscapers, and small business owners in the RGV get covered.
What if I can’t afford the premium? ▼
Depending on your household income, you may qualify for advance premium tax credits that significantly reduce your monthly cost. Some McAllen families qualify for plans with very low monthly premiums. The only way to know is to check — and we do that for free.
Do you serve everyone in the RGV community? ▼
We work with every member of the RGV community and will be honest with you about what options are available based on your specific situation. Call or text us — we’re here to help everyone.
Can I text instead of calling? ▼
Yes — text (956) 687-3334 right now. Gerino personally responds. Not a bot, not a script. Most people actually prefer texting to start.

Find Out What You
Actually Qualify For.

Most McAllen families have more options than they think. One free call with Gerino and you’ll know exactly what’s available — and what it costs. No pressure. No jargon. No surprises.

See My Plan Options → Call or Text (956) 687-3334
504 N 10th St, Suite B-7 · McAllen, TX 78501
Mon–Fri 9am–6pm · Weekends by appointment · Se Habla Español · Licensed in Texas