Pillar 04 · Individuals & families · English y español
For the people behind the paycheck.
Some families reach us through their employer. Others find us on their own — for health coverage, for life insurance, or because a child's care depends on getting the policy right. Either way you get the same team, in plain words, at your own pace.
A person answers
A licensed advisor from our Houston office — not a call center, not a queue.
Two languages, more coming
Our family tools run in English and Spanish, with plain-word explanations either way.
To use everything here
The tools, the guides, the reviews. If you enroll, the insurer pays us — the same rates you'd get anywhere.
Three doors. Walk through the one you need.
Each one is self-serve start to finish — and a human is one call away at any step.
Health coverage
Between jobs, self-employed, or just done overpaying — answer a few plain questions and see your real options, subsidies included.
- Tap-through quiz, no jargon
- Same-day call if you want one
- English y español
Life insurance
No blood work, no medical exam for most applicants — a few health questions online, and your family's income is protected.
- Apply in about 10 minutes
- Never a pressure call from us
- Real coverage, real carrier
Autism & special-needs coverage
Families of children with autism have trusted us with this for decades. Start with the free screener — it shows where you stand before you talk to anyone.
- Free 60-second screener
- The Texas ABA Coverage Playbook
- A licensed plan-by-plan review
The long horizon
Planning that outlives the paperwork.
For families whose planning has to reach further than most: a special-needs trust, an ABLE account (a tax-advantaged savings account for disability expenses), guardianship timing, and the life policy that funds all of it — coordinated so each piece protects the others.
This isn't a form on a website. It's a conversation — and it starts whenever you're ready.
Run an ABA clinic — or any company?
The families are one side of our work. The businesses are the other.
Clinics and companies across Texas use Hipson for group medical, dental, vision and 401(k). If your families keep asking you coverage questions you can't answer, send them here — and ask us what your own benefits should look like.
Rather just talk to someone?
Three questions, ninety seconds. You will hear back the same business day — from a person who knows the account, not a queue.