Think health insurance is too expensive? You’re not alone. But if you live in Texas—especially in the Dallas area—you may qualify for an ACA Marketplace health plan that costs less than $10 a month. With help from EIMA Health and government subsidies, quality coverage is more affordable than many people realize.
This guide will explain what ACA insurance is, how the savings work, who qualifies, and how to avoid common mistakes when enrolling.
Key Takeaways
- Affordable Coverage Is Within Reach
Many Texas residents—especially in the Dallas area—qualify for ACA Marketplace health plans that cost less than $10/month, and sometimes even $0. - Subsidies Are Based on Income and Household Size
If your household income is between $15,000 and $50,000 per year, you likely qualify for premium tax credits that reduce monthly health insurance costs. - Eligibility Is Broad
You can qualify if you’re a gig worker, freelancer, part-time employee, college student, or recently lost Medicaid or job-based coverage. Legal residents and green card holders may also qualify. - Plans Cover Essential Health Services
ACA plans include doctor visits, mental health care, prescription drugs, hospital stays, and preventive care—many with no copays or added costs. - Enrollment Help Is Free Through EIMA Health
EIMA Health offers free, one-on-one assistance with enrollment, plan selection, and post-enrollment support—no pressure or fees. - Avoid Online Scams and Hidden Fees
Work with a trusted local agency like EIMA Health to avoid misleading websites and third-party brokers that may sell your data or charge you. - Coverage Is Available Year-Round for Many
Even outside Open Enrollment (Nov 1–Jan 15), you may qualify for a Special Enrollment Period if you’ve experienced certain life events like job loss, moving, or Medicaid disenrollment. - Ongoing Support Matters
EIMA Health continues to help clients after enrollment by assisting with renewals, income changes, provider issues, and more. - Most Clients Pay Under $10/Month
The majority of EIMA Health clients in North Dallas, Addison, Carrollton, Farmers Branch, and Richardson pay very little for quality, ACA-compliant plans. - Taking Action Is Easy
You can call (972) 728-0386 or visit eimahealth.com/contact-us to schedule your free appointment and see what you qualify for.
What Is ACA Health Insurance?
ACA stands for the Affordable Care Act. It’s a law that helps people get affordable health insurance through the federal Health Insurance Marketplace.
ACA plans cover essential health needs, including:
- Doctor visits
- Prescription drugs
- Hospital stays
- Mental health care
- Pregnancy and childbirth
These plans are for people who don’t get insurance through a job, Medicare, or Medicaid.
How Can It Cost Less Than $10 a Month?
The government offers premium tax credits to lower your monthly cost. These are based on your income and household size.
For example, a single mom in Dallas earning $28,000 a year with one child might qualify for a Silver plan that costs just $6 per month—or possibly nothing at all.
These subsidies are available across Texas and adjust each year based on federal poverty levels.
Who Qualifies for Low-Cost ACA Plans?
You may qualify if your income is between $15,000 and $50,000 per year. This includes:
- Part-time workers
- Gig workers and freelancers
- People who recently lost job-based coverage
- College students or young adults
- Parents who no longer qualify for Medicaid
Even legal immigrants and green card holders may qualify after meeting residency and income rules.
What Affects Your Monthly Cost?
The amount you pay depends on:
- Your income
- Family size
- Zip code (Dallas-area rates are often lower)
- Age and tobacco use
If you’re self-employed, juggling side jobs, or working part-time—you can still qualify.
When Can You Enroll?
You can enroll during:
- Open Enrollment: November 1 to January 15
- Special Enrollment: If you lose Medicaid, job-based insurance, move, have a baby, or experience other life changes
Right now, many Texans are losing Medicaid due to state redeterminations. If that’s your situation, EIMA Health can help you find a new plan.
Why So Many in Dallas Qualify
Many Dallas-area residents work nontraditional jobs and fall into income brackets that qualify for the highest subsidies.
EIMA Health serves communities in:
- North Dallas
- Addison
- Farmers Branch
- Carrollton
- Richardson
Most clients in these areas pay less than $10/month—or nothing at all—for their health insurance.
Be Careful When Searching Online
If you search “cheap health insurance near me,” you might land on websites that aren’t trustworthy. Some sell your information. Others charge hidden fees.
Work with a local, licensed agency like EIMA Health. Our help is free. We explain everything in simple terms and never pressure you.
What to Expect When You Call EIMA Health
Here’s how we help:
- A free one-on-one consultation
- Review of your income and household details
- Help finding a plan that includes your doctors and prescriptions
- Support applying for savings
- Ongoing help even after you enroll
We don’t disappear after sign-up. We’re here all year.
Common Questions
Do I qualify if I work part-time?
Yes. Many part-time workers do.
Is this government insurance?
No. The plans are private, but the government helps pay for them.
Will I lose my doctor?
We’ll help you pick a plan that includes your provider if possible.
Is this hard to figure out?
It can be, but we’ll walk you through every step.
What’s Included in Most Low-Cost Plans?
Even plans under $10 often come with:
- $0 preventive care
- Virtual doctor visits
- Mental health support
- Pediatric dental and vision
You can also add low-cost dental and vision plans for adults.
What Happens After You Enroll?
Life changes, and we help you stay covered. EIMA Health offers:
- Help updating your plan if your income or household changes
- Support with billing or provider issues
- Reminders and help with annual renewals
We’re not a one-time service—we’re your year-round resource.
Who We Help
If any of the following apply to you, we can likely help:
- You make $15,000 to $50,000 per year
- You recently lost Medicaid or job-based coverage
- You work part-time or freelance
- You’re caring for kids or going to school
If you searched for affordable ACA health insurance Dallas TX or cheap health insurance near me, you’re in the right place.
Conclusion: Affordable Health Insurance Is Possible
Health insurance doesn’t have to be confusing or expensive. If you live in the Dallas area and earn a modest income, you may qualify for a Marketplace plan that costs under $10 a month—or even $0.
EIMA Health is here to make the process easy. We’ll help you compare plans, apply for savings, and get the coverage that fits your life.
Get started today.
📞 Call (972) 728-0386
💻 Visit https://eimahealth.com/contact-us/ to book your free appointment.
Let’s make health insurance simple—and affordable—for you and your family.
FAQs: Affordable ACA Health Insurance in Dallas, TX
Can I really get health insurance for under $10 a month?
Yes. Many individuals and families in Texas qualify for ACA health plans that cost under $10/month—some pay $0. Eligibility depends on your income, household size, and other factors.
What is the ACA?
The Affordable Care Act (ACA) is a federal law that makes health insurance more affordable and accessible. It created the Health Insurance Marketplace, where people can shop for low-cost, private plans with financial help from the government.
Who qualifies for these low-cost ACA plans?
You may qualify if:
- You’re a student or caring for children
- You make between $15,000 and $50,000/year
- You don’t get health insurance through your job
- You’re a gig worker, freelancer, or part-time employee
- You recently lost Medicaid or job-based insurance
Do I have to pay to work with EIMA Health?
No. EIMA Health’s services are 100% free. We help you compare plans, apply for subsidies, and enroll—all at no cost to you.
Are these government insurance plans?
No. ACA plans are offered by private insurance companies, but the government helps pay your premium through subsidies if you qualify.
Can I keep my doctor?
Often, yes. EIMA Health will help you choose a plan that includes your current providers whenever possible. We’ll check your doctor and prescription coverage before you enroll.
When can I sign up for an ACA plan?
You can sign up during:
- Open Enrollment (Nov 1 to Jan 15)
- Special Enrollment if you’ve had a life change—like losing Medicaid, changing jobs, moving, or having a baby
What’s included in these low-cost plans?
Most ACA plans cover:
- Free preventive care
- Primary care visits
- Emergency services
- Mental health treatment
- Prescription drugs
- Telehealth
- Pediatric dental and vision
Some plans allow you to add low-cost adult dental and vision coverage, too.
What if I signed up last year but need help updating my plan?
EIMA Health can help you update your information, renew your coverage, or switch plans if needed—at no charge.
How do I get started?
It’s easy! Call (972) 728-0386 or visit https://eimahealth.com/contact-us to schedule your free appointment with a licensed agent.
This article has been a collaboration between EIMA Health and OpenAI’s ChatGPT. Created on Sep 23, 2025, it combines AI-generated draft material with EIMA Health’s expert revision and oversight, ensuring accuracy and relevance while addressing any AI limitations.
