Health Insurance Plans for Individuals & Families

Finding Coverage That Truly Fits Your Needs

Health insurance doesn’t have to be intimidating. At FD Insurance Agency, we help individuals and families across Kansas, Missouri, Oklahoma, Texas, Arkansas, and Nebraska make sense of their options. From comprehensive Marketplace plans to flexible short-term coverage, our team listens first and then helps you choose what makes sense for your health, budget, and stage of life.

Marketplace Health Insurance (Obamacare)

Marketplace health insurance—sometimes called Affordable Care Act or Obamacare plans—offers full coverage, protection for pre-existing conditions, and access to subsidies that can lower your monthly cost. Enrollment happens mainly during Open Enrollment (November through January), though certain life changes can qualify you for Special Enrollment.


We’ll help you check subsidy eligibility, compare carriers, and understand how these plans stack up against other options.

Short-Term Plans When You Need Flexibility

Not every situation calls for a Marketplace plan. Short-term health insurance can provide flexible, lower-cost coverage if you’ve missed Open Enrollment, are between jobs, or find ACA plans outside your budget. These plans aren’t ACA-compliant, meaning some benefits may be limited, but they can still provide meaningful protection—especially as more people look for alternatives in 2026 and beyond.



We’ll help you weigh whether this option makes sense and connect you with top carriers offering reliable short-term coverage.

How We Make Health Insurance Easier

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Compare Top Carriers Side by Side

We lay out trusted plan options across Kansas and the Midwest.

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Check Eligibility for Savings

We review subsidies and tax credits to lower monthly costs.

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Keep Your Doctor in Network

We confirm provider networks so your preferred doctor is included.

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Support Beyond Enrollment

We stay available for claims, questions, and policy updates year-round.

Your Health Insurance Questions, Answered

  • What’s the difference between Marketplace insurance and private insurance?

    Marketplace plans are ACA-compliant, often with subsidies to lower costs. Private or short-term plans are not ACA-compliant but may be more affordable in certain situations.

  • When can I enroll in a health insurance plan?

    Marketplace plans are mainly available during Open Enrollment, unless you qualify for a Special Enrollment period. Short-term health plans are available year-round.

  • Do you offer plans in my state?

    We’re licensed in Kansas, Missouri, Oklahoma, Texas, Arkansas, and Nebraska. We’ll help you find what’s available in your area.

  • Can I keep my doctor?

    That depends on the plan network. We’ll help you check whether your preferred providers are included.

Explore More Ways We Can Help

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Medicare
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We guide you through Medicare Parts A, B, C, and D so you choose confidently.

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Life Insurance
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Protect loved ones with coverage tailored to your family’s needs and future goals.

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Supplemental Insurance
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Cancer, accident, or indemnity plans add an extra layer of financial protection.

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Dental Insurance
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Plans for routine cleanings, major dental work, and oral health care you can rely on.

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Vision Insurance
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Affordable coverage for exams, glasses, and eye care to keep your vision strong.

Resources to Guide Your Next Steps

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Billing & Claims
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Quick access to carrier phone numbers and links so you can handle billing or file claims directly.

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Frequently Asked Questions
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Simple answers to the most common health insurance questions, written in plain language.

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News & Articles
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Updates on enrollment deadlines, insurance changes, and tips for making the most of your coverage.

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Whether you’re leaning toward ACA coverage or need something temporary, we’re here to walk you through it step by step. Request a free quote today and see how simple it can be to find coverage that works.