Does RGI Group have an office in Travis County?

Yes. RGI Group's only physical office is in Austin, and Travis County residents can meet in person, by phone, or by video appointment.

How does self-employment income affect my Marketplace plan cost?

Marketplace premium tax credits are based on estimated annual household income, so self-employed and contract workers should update that estimate whenever income changes meaningfully, since it can affect what's owed or credited later.

Can I use the same plan network across all of Travis County?

Not necessarily. Network participation varies by hospital system and provider group even within the county, so it's important to verify a specific doctor or hospital is in-network before enrolling.

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 Travis County, Texas

Travis County is home to RGI Group's only physical office, so residents of Austin and the surrounding communities can meet with us in person or by phone or video. The local economy leans heavily on freelance, contract, gig, and startup work, which means income can swing month to month and year to year. That variability matters because it can affect whether a household qualifies for a Marketplace premium tax credit, and by how much, each time it's recalculated. Austin's healthcare landscape includes multiple hospital systems and a wide range of specialists, but not every plan sold in the ZIP code gives equal access to all of them. We help Travis County residents compare plan structures side by side so the decision is based on real numbers, not guesswork.

County seat

Austin. Neighboring counties: Williamson County, Hays County, Bastrop County, Caldwell County, Burnet County, Blanco County. Communities: Austin, Del Valle, Manor, Pflugerville (partial), Lakeway.

Self-employed and gig income in Austin

A large share of Travis County workers are self-employed, on 1099 contracts, or running small businesses, and income can differ sharply between a slow month and a busy one. Because Marketplace premium tax credit amounts are estimated from projected annual household income, it's worth revisiting that estimate whenever income shifts meaningfully. Underestimating or overestimating income can affect what's owed or credited back at tax time. We walk through how to build a reasonable income estimate using recent pay history and expected work.

Choosing between premium and deductible

Austin plans vary widely in the trade-off between a lower monthly premium and a higher deductible, or the reverse. A household that expects mostly routine visits may prioritize a lower premium, while someone managing an ongoing condition may prefer a lower deductible and predictable copays. Out-of-pocket maximums also differ by plan and matter most in a bad year, not a typical one. We help compare these figures against a household's actual expected healthcare use rather than assumptions.

Network breadth across a large metro

Travis County has multiple hospital systems and independent physician groups, and not every plan network includes every provider or facility in the county. A plan that looks affordable can still leave a household with higher out-of-network costs if a preferred doctor or hospital isn't in that plan's network. It's important to verify network participation directly with the plan and the provider's office before enrolling, not just assume based on location. We show residents how to check this before, not after, choosing a plan.

Medicare versus Marketplace decisions

Travis County residents approaching 65 need to understand that Medicare and ACA Marketplace coverage are separate programs with different enrollment rules and timing. Some people transitioning off employer coverage or Marketplace plans need to coordinate the switch carefully to avoid a gap in coverage. Enrollment windows and plan availability for both Medicare and the Marketplace can vary and change from year to year, so checking current dates on HealthCare.gov or Medicare.gov is essential. We help sort out which program applies to a household's specific situation.

In-county versus out-of-county specialty care

Even within Travis County, some specialty care may require travel across town or, for certain services, outside the county entirely. Households should ask whether a plan's network covers the specific specialists or facilities they're likely to need, including where a referral might send them. This is especially relevant for households near the county line who may already cross into Williamson or Hays counties for care. Planning ahead avoids surprises when a referral comes through.

How to get ready to compare

List the doctors, clinics, and hospitals used in the past two years and confirm which plans include them in network.
Estimate annual household income carefully if self-employed, contracted, or working gig platforms, and revisit it after any major income change.
Compare at least two plans' deductibles, copays, coinsurance, and out-of-pocket maximums side by side, not just the premium.
Ask any specialist's office directly whether they participate in a specific plan's network before enrolling.
Check HealthCare.gov for current enrollment window dates, since they can change from year to year.
If turning 65 soon, confirm which enrollment rules apply to Medicare versus any current Marketplace plan to avoid a coverage gap.

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.

Is my current primary care doctor listed as in-network for this specific plan, not just this insurer's other plans?
Which hospital would I be directed to for emergency or inpatient care under this plan's network?
Is my current prescription on this plan's drug list, and what tier is it in?
If I need a referral to a specialist, does this plan require it, and are in-network specialists available near me?
What would I pay out of pocket 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 RGI Group have an office in Travis County? Yes. RGI Group's only physical office is in Austin, and Travis County residents can meet in person, by phone, or by video appointment.
How does self-employment income affect my Marketplace plan cost? Marketplace premium tax credits are based on estimated annual household income, so self-employed and contract workers should update that estimate whenever income changes meaningfully, since it can affect what's owed or credited later.
Can I use the same plan network across all of Travis County? Not necessarily. Network participation varies by hospital system and provider group even within the county, so it's important to verify a specific doctor or hospital is in-network before enrolling.
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.