Individual Health Insurance (ACA)


ACA Open Enrollment 2023 has closed.  However, if you have a Mid-Year Special Enrollment Period (SEP) during 2023, you have 60 days to enroll for 2023 coverage.

2023 Individual Health Insurance Options 

There were a lot of changes in 2023.   Aetna, Scott & White & Cigna re-entered the DFW market in certain counties in 2023.  Molina, BCBS, Oscar, UHC, Ambetter, & BCBS remained in the DFW market in 2023.  Bright Healthcare pulled out of the market for 2023 & not anticipated to return. Friday Healthcare will not be in the DFW market for 2023 but expected to return for 2024.  It is too early to know what options will be available for 2024.

Debbie has been using HealthSherpa as an enrollment platform since 2015 as it is much easier to compare plans & provide a consumer friendly simplified enrollment process.  HealthSherpa partnered with the federal government & required to comply with all federal laws so this enrollment platform will provide you access to ALL the exact same plans & government subsidies available at the federal marketplace (  The direct link will include Deborah Fleck’s name & NPN (1019320) displayed at the top left of the simplified enrollment platform.

Open Enrollment for 2024 individual health insurance will begin in the fall of 2024 (November 1st, 2023).


OPEN ENROLLMENT 2024:  To enroll for coverage January 1st, 2024, you must complete your enrollment by 12/15/2023.    You may qualify for a passive renewal.  Open enrollment 2024 will end 1/15/2024, so if you miss the 12/15/2023 deadline, you can enroll for coverage effective 2/1/2024.

Just like last year, Debbie will be holding virtual meetings in the fall of 2023 so you will want to make it priority to attention a session.  After you have attended a session, Debbie will be happy to answer any personalized questions you have in a private setting & further assist you with your enrollment for 2024.


  • In fall of 2023 Attend a One Hour VIRTUAL MEETING 
  • Join the meeting:
  • You can participate on your computer, cell phone, or tablet (cellular devices require you download the free app). 
  • Personal email invitations are available upon request. 
  • To dial in by phone:  Call 1-813-769-0500
  • If required, Conference ID:  618-118-506 #



No posts found.