I missed open enrollment. Can I still get health coverage?

Often, yes. Life events like losing job coverage, moving, marriage or a new child open a special enrollment period, and alternative coverage types exist outside the marketplace. A Texas-licensed advisor reviews your situation on a short call and tells you exactly which doors are still open.

Can I get a plan that covers ABA therapy for my child with autism?

This is Hipson's specialty. Texas's autism mandate (Insurance Code Section 1355.015) sits in a subchapter that applies to group health benefit plans. An individual marketplace plan gets there by a different route: the federal Essential Health Benefits rules, plus Texas Insurance Code Chapter 1355 Subchapter F, a state parity law that applies expressly to individual policies and is enforced by the Texas Department of Insurance. The route matters, because plan type, network, authorization and documentation are what decide whether coverage works in practice. We have placed ABA-covering individual policies for families across Texas since the practice's early years, and we stay on the file with the carrier until the coverage works in practice.

Is there any obligation or cost to talk?

No. The call is free, usually 5–10 minutes, and you decide what happens next. Advisors are paid by insurers if you choose to enroll, so the review costs you nothing either way.

Who actually calls me back?

A licensed advisor from our Houston office — the same practice, founded in 1996, that 350+ Texas companies use for their benefits. Not a call center, and you keep the same advisor afterward. Requests sent during business hours are returned the same business day.

Looking for a quote? Use the unified Quote hub (Health) — Health, ABA, and Life in one place. An advisor follows up; no invented premiums.

Individual & family health · Houston, Texas · Est. 1996

Let us help you find the right plan for your family

Tell us a little about who needs coverage and what you're looking for. A Texas-licensed advisor from our Houston office reviews your answers and follows up with you. No prices are shown on this page.

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✓ No obligation ✓ No call center ✓ Missed open enrollment? We can help

Step 1 of 4

What happens after you tap "Request my call"

The same three steps for everyone. No scripts, no transfer chain, no pressure.

Step 1

We get your answers

Your answers tell us who's covered, what you want quoted, where you live and when. Your advisor reads them before dialing — you never re-explain from zero.

Step 2

A real advisor calls — same business day

A Texas-licensed advisor from our Houston office, usually for 5–10 minutes: what's available, what each option trades off, what it costs.

Step 3

You decide

Enroll, think it over, or walk away — no obligation either way. If you enroll, the same advisor stays on your file for the appeals, renewals and questions that come later.

The part most advisors can't do

If your child needs ABA therapy, the plan's fine print is the plan.

Texas's autism mandate covers employer group plans. An individual marketplace plan gets ABA coverage by a different route — the Essential Health Benefits rules, plus a Texas parity law that does apply to individual policies and is enforced by the state insurance department — which is why plan type, network, authorizations and documentation decide whether coverage works when your BCBA submits the hours. We have placed ABA-covering policies for families across Texas for years, we work with many ABA clinics statewide, and we file the appeals other brokers won't.

"They navigated the insurance side of our son's ABA therapy so we could spend that energy on him instead."

Sarah T. · Parent · Houston · client since 2019 · consent on file

Start the quote

A parent kneeling to fix their child's jacket in a hallway before school — The mornings the coverage is actually for

An advisor taking a phone call at a desk in the evening, taking handwritten notes — The call back comes from a desk in Houston, not a queue

Who answers

A practice, not a phone bank.

Hipson Investments has advised Texas families and the companies they work for since 1996 — 350+ businesses and the households underneath them. When you request a call, it's returned by a licensed advisor who will still be here at your renewal, your appeal, and your kid's next authorization.

1996

Founded in Houston

350+

Texas company clients

Same day

How fast we call you back

Licensed by the Texas Department of Insurance · verify our standing on BrokerCheck ↗

Fair questions

Asked on almost every first call — answered here so the call can be about you.

I missed open enrollment. Am I stuck?

Often not. Losing job coverage, moving, marriage or a new child opens a special enrollment period, and alternative coverage exists outside the marketplace. The call tells you which doors are still open for you specifically.

Can a plan really cover my child's ABA therapy?

Usually yes — though not because of the Texas autism mandate, which applies to employer group plans. On an individual plan the coverage comes from the Essential Health Benefits rules and from Texas's own parity law, which does reach individual policies. Plan type and network then decide whether it works in practice. Placing these policies — and staying on the file until the coverage works in practice — is our specialty. Ask for the team that handles autism coverage.

What does the call cost? What's the catch?

Nothing, and there isn't one. If you enroll, the insurer pays us — the same rates you'd get anywhere. What you're choosing is who stands behind the policy afterward.

Who actually calls me?

A licensed advisor from our Houston office — during business hours, usually the same day. Miss the call? The same advisor calls back, or reach us directly at 281.493.6862.

A few questions. One call. You decide.

The call is free either way.

Start the quote Or call 281.493.6862