Individual Health Insurance Open Enrollment (ACA) for 2023

Open Enrollment for 2023 individual health insurance begins November 1st, 2022.     There are a lot of changes in 2023 & you will need this information to make an informed decision.  There are many options which can be extremely overwhelming.   Aetna, Scott & White & Cigna have re-entered the DFW market in certain counties.  Molina, BCBS, Oscar, UHC, Ambetter, & BCBS have remained in the DFW market.  Bright Healthcare has pulled out of the market for next year. Friday Healthcare will not be in the DFW market for next year but expected to return for 2024.  There are also some positive legislative changes.   To enroll for coverage January 1st, 2023, you must complete your enrollment by 12/15/2022.    You may qualify for a passive renewal.  Open enrollment ends 1/15/2023, so if you miss the 12/15/2022 deadline, you can enroll for coverage effective 2/1/2023.

Please make it a priority to attend a group virtual meeting Debbie will be holding.  Several last minute changes have made things more challenging this year so it is very important you participate.  There will be multiple opportunities (various times &  days) to participate.  Debbie will provide valuable information & answer questions so you will NOT want to miss this this especially this year.  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.

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.


  • Review 2023 Individual Health Insurance Options
    • Click on Debbie’s direct link (above) to access the simplified enrollment platform  (top left you will see Deborah Fleck NPN 1019320)
    • Client renewal reminders emailed from – go to your DASHBOARD to log into your personal account (select forgot password if needed)
    • Search the Provider Directories & Formulary Links (located under Plan Details)
    • Searching each carrier’s Drugs & Doctors & Drug Link is time consuming but more accurate than just entering Provider & Rx information
    • Determine your projected household income & tax household size


  • Important: Attend a One Hour VIRTUAL MEETING     
  • Join the meeting:
  • To dial in by phone:  Call 1-813-769-0500
  • If required, Conference ID:  618-118-506 #
    • Monday, 11/7/2022              7:00 pm to 8:00 pm
    • Tuesday, 11/8/2022             10:30 am to 11:30 am
    • Thursday 11/10/2022          4:00 pm to 5:00 pm
    • Thursday 11/10/2022          7:00 pm to 8:00 pm
    • Saturday, 11/12/2022          11:00 am to 12:00 pm
    • Wednesday, 11/16/2022     7:00 pm to 8:00 pm
    • Wednesday, 12/7/2022       7:00 pm to 8pm
    • NEWLY ADDED:    Wednesday, January 4, 2023   7:00 PM to 8 PM CST 
    • 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. 



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