Health Insurance for Individuals & Families Through the Marketplace

The Affordable Care Act includes a mandate for most individuals to maintain health insurance that meets minimum essential coverage standards or potentially pay a tax penalty for noncompliance. Depending on your income, you may be eligible to receive healthcare subsidies to help cover the cost of your health insurance.  In order to qualify for healthcare subsidies, you must complete a marketplace application.    We are certified to assist you in enrolling for coverage inside the federal marketplace during the annual open enrollment period.   Navigators, Application Assistors, or Representatives at are not licensed and therefore cannot provide you with professional advice on any of the health insurance options.

Review 2023 Marketplace Plans for Mid-Year Special Enrollment Period (SEP)

The marketplace requires written consent for agent/broker prior to completing enrollment application as well as reviewing or updating existing enrollment application. Broker Consent Form

Open Enrollment 2023 has closed but you are eligible to enroll mid-year for 2023 if you have a Special Enrollment Period (SEP) & enroll within 60 days

2024 Open Enrollment Period: November 1st, 2023 to January 15th, 2024 

Debbie Fleck is a licensed Agent in Texas and is certified to assist Individuals and Families purchase health insurance through the Federal Marketplace Exchange. Debbie abide’s by NAHU’s Code of Ethics, which requires Debbie always make health care coverage recommendations with the customer’s best interest in mind. Debbie has advanced training and holds numerous designations and certifications as indicated in her biography.

Over the past several year carriers participating in the individual market have changed dramatically.  Compare 2023 Marketplace Plans using a simplified enrollment platform. You have access to all the same plans available at government website at the same premiums while utilizing a simplified enrollment platform.    If you prefer to enroll directly through, the following information must be entered at the beginning of the enrollment process in order to obtain professional advice from Debbie as a licensed agent.

Agent Information Needed for Enrollment in the Exchange (

Agent Name: Deborah L. Fleck
FFM#: FADKAL1044540
NPN#: 1019320

AetnaGolden Rule (a United Healthcare company)BCBS
CignaHumanaHumanaMolina Healthcare
Oscar HealthAmBetterChristusHealthPlanFriday
September 18th, 2023 by The Diamond Benefit Group