Does Hays County have its own RGI Group office?

No. RGI Group's only office is in Austin. Hays County residents are served by phone or virtual appointment.

Should I choose a plan based on Austin or San Antonio providers?

It depends on where your household actually gets care; we recommend checking a plan's network for both areas if you regularly use providers in each.

How does seasonal work in San Marcos affect my Marketplace plan cost?

Since premium tax credits are based on projected annual income, seasonal or hourly workers should build an estimate that reflects the full year and update it if work patterns change.

Does RGI Group have an office in my city?

No. RGI Group has one office, in Austin, and serves Texas residents statewide by phone and virtual appointment. Paperwork can usually be completed electronically, so you do not need to travel to meet with us.

Is there a cost to review my options with RGI Group?

You do not pay RGI Group a separate fee to review coverage options. You are also free to enroll on your own through the official government resources linked on this page.

Can we talk in Spanish?

Yes. Appointments and follow-up can be handled in English or Spanish, whichever you prefer.

Which plans and carriers are available to me?

Availability depends on your county, eligibility, and the product you are looking at, and it can change from year to year. We can tell you what we are able to offer for your situation rather than promise a specific plan or price.

What should I have ready for a first conversation?

Your ZIP code, who needs coverage, the doctors or prescriptions that matter to you, and a general sense of your budget. Please do not send Social Security numbers, Medicare ID numbers, date of birth, income, diagnoses, or prescription details through this website.

Health Insurance Guidance in Hays County, Texas

Hays County sits along the I-35 growth corridor between Austin and San Antonio, home to San Marcos, Kyle, Buda, Wimberley, and Dripping Springs. Texas State University in San Marcos means the county has a younger population than many neighbors, along with seasonal and hourly workers in retail, hospitality, and outdoor recreation. Because Hays County straddles two major metro areas, households often split their care between Austin-based and San Antonio-based providers, and a plan's network needs to reflect that reality. Coverage decisions here often hinge on how a household's variable seasonal income affects Marketplace premium tax credit eligibility from one enrollment period to the next. RGI Group, headquartered in Austin, helps Hays County residents work through these choices by phone or video appointment.

County seat

San Marcos. Neighboring counties: Travis County, Caldwell County, Comal County, Guadalupe County, Blanco County. Communities: San Marcos, Kyle, Buda, Wimberley, Dripping Springs.

Split care between two metro areas

Kyle and Buda residents often use Austin-area providers, while San Marcos and points south sometimes lean toward San Antonio-area hospital systems, and Wimberley residents may use either depending on the service. A plan network built primarily around one metro can leave gaps for households that regularly cross toward the other. It's worth checking a plan's provider directory specifically for both Austin and San Antonio facilities rather than assuming either is covered. We help households map their actual care patterns against a plan's real network.

Seasonal and hourly income near a university town

San Marcos's economy includes university-linked employment, tourism around the San Marcos and Blanco rivers, and seasonal retail and hospitality work, all of which can mean income that changes by semester or season. Since Marketplace premium tax credits are based on projected annual income, seasonal workers should build an estimate that accounts for slower and busier stretches across the year. Adjusting the estimate when a job or schedule changes helps avoid an unexpected bill or missed credit later. We help residents put together a realistic year-round estimate.

Young, generally healthy households and plan structure

Many Hays County households, especially those connected to the university population, are younger and may use care infrequently, which shifts the premium-versus-deductible calculation. A lower-premium plan may make sense if visits are rare, but it's still worth checking the out-of-pocket maximum in case of an unexpected injury or illness. Coverage for urgent care and emergency rooms in San Marcos should be confirmed specifically, since not all plans treat them the same way. We walk through these trade-offs based on actual expected use.

Prescription access in a growing corridor

As Kyle, Buda, and Dripping Springs continue to add pharmacies and clinics, it's still necessary to confirm a specific prescription is on a plan's drug list and check its cost tier before assuming it's covered affordably. Formularies can change year to year even under the same plan name. Households with regular prescriptions should recheck this during each open enrollment period. We show residents how to look this up directly.

Rural Wimberley and Dripping Springs access

Wimberley and unincorporated parts of Dripping Springs are less densely served by nearby clinics than San Marcos or Kyle, which can mean longer drives for routine and specialty care alike. Households in these areas should specifically check which plan networks include the providers they're already using, or the closest reasonable alternative. Telehealth coverage under a plan can also matter more for these areas. We help residents weigh these access factors alongside cost.

How to get ready to compare

Map your household's actual care pattern between Austin-area and San Antonio-area providers before comparing plan networks.
If income is seasonal or hourly, build an annual estimate that reflects both slow and busy periods, and update it when work changes.
Check the out-of-pocket maximum even on a lower-premium plan, in case of an unexpected illness or injury.
Confirm a specific prescription's drug list placement and tier for the current plan year, not a prior year.
If in Wimberley or rural Dripping Springs, verify which nearby providers are in-network and check whether telehealth is covered.
Review HealthCare.gov for current enrollment window dates, since they can vary from year to year.

Questions to ask about doctors, hospitals, and networks

We can't claim that any doctor, hospital, or pharmacy participates in a specific plan. These are the questions worth asking before you enroll.

Does this plan's network include providers in both the Austin and San Antonio areas, or mainly one?
Which hospital in San Marcos or nearby is in-network for emergency and inpatient care under this plan?
Is my prescription on this plan's drug list this year, and what is its cost tier?
Does this plan require a referral to see a specialist, and are in-network specialists reasonably close for someone in Wimberley or Dripping Springs?
What out-of-pocket costs would apply if I need care from a provider outside this plan's network?

Marketplace and Medicare are not the same thing

ACA Marketplace coverage is for people who generally are not on Medicare. Medicare is a separate federal program with its own rules and enrollment periods. If you or a family member is nearing 65, it's worth reviewing the two paths separately.

Frequently asked questions

Does Hays County have its own RGI Group office? No. RGI Group's only office is in Austin. Hays County residents are served by phone or virtual appointment.
Should I choose a plan based on Austin or San Antonio providers? It depends on where your household actually gets care; we recommend checking a plan's network for both areas if you regularly use providers in each.
How does seasonal work in San Marcos affect my Marketplace plan cost? Since premium tax credits are based on projected annual income, seasonal or hourly workers should build an estimate that reflects the full year and update it if work patterns change.
Does RGI Group have an office in my city? No. RGI Group has one office, in Austin, and serves Texas residents statewide by phone and virtual appointment. Paperwork can usually be completed electronically, so you do not need to travel to meet with us.
Is there a cost to review my options with RGI Group? You do not pay RGI Group a separate fee to review coverage options. You are also free to enroll on your own through the official government resources linked on this page.
Can we talk in Spanish? Yes. Appointments and follow-up can be handled in English or Spanish, whichever you prefer.
Which plans and carriers are available to me? Availability depends on your county, eligibility, and the product you are looking at, and it can change from year to year. We can tell you what we are able to offer for your situation rather than promise a specific plan or price.
What should I have ready for a first conversation? Your ZIP code, who needs coverage, the doctors or prescriptions that matter to you, and a general sense of your budget. Please do not send Social Security numbers, Medicare ID numbers, date of birth, income, diagnoses, or prescription details through this website.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.