Brilliant Insurance
Texas Insurance
Marketplace
Compare 100+ top-rated carriers. Get instant quotes online.
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Simple & Transparent
How The Marketplace Works
1. Browse
Shop 100+ carriers across health, life, Medicare, and more — all in one place.
2. Compare
Get instant quotes side-by-side. See real prices, real coverage, no surprises.
3. Enroll
Enroll online in minutes — or book a free call with David for personalized help.
Individual & Family
Health Insurance Plans
ACA marketplace plans, $0-copay alternatives, and innovative coverage — all compared for you.
Most Popular
ACA Health Plans
Affordable Care Act — Marketplace
Most Texans qualify for $0–$50/month premiums — subsidized by the government based on income. If you are paying full price right now, you are leaving thousands of dollars on the table every year.
- ✓ $0–$50/mo with subsidies
- ✓ Bronze, Silver, Gold plans
- ✓ 2026 Open Enrollment
$0 Copay Visits
Redirect Health
DPC + Virtual-First Healthcare
No waiting rooms. No $150 copay per visit. Unlimited primary care visits for $0 — virtual or in-person, 24/7. The smartest health plan for self-employed Texans who cannot afford to stay sick.
- ✓ $0 copay primary care
- ✓ Virtual visits 24/7
- ✓ Add hospitalization rider
No SSN Required
Affordable Choice
Health Coverage for ITIN Holders
No Social Security number? No problem. Real doctor and hospital coverage that accepts ITIN numbers. Coverage starts fast — no SSN, no barriers, no excuses. Everyone deserves protection.
- ✓ ITIN accepted
- ✓ Affordable monthly rates
- ✓ Doctor + hospital coverage
Add Extra Protection
Protect What Your Health Plan Misses
Cash paid directly to YOU — not the hospital. These affordable add-ons fill the gaps in any health plan and can be added at any time.
Cancer Insurance
1 in 3 Americans will be diagnosed with cancer. Treatment costs average $150,000+. This pays you a lump sum on diagnosis — use it for anything.
Get Quote →Critical Care — Heart & Stroke
Heart attacks are the #1 killer in America. A stroke can cost $140,000+ in lifetime care. Cash paid to you on diagnosis — no questions asked.
Get Quote →Hospital Indemnity
The average hospital stay costs $15,000. Even with insurance you owe thousands. This pays YOU cash for every day you are hospitalized.
Get Quote →Accident Insurance 24/7
The ER does not check your deductible before treating you. Accident insurance pays cash for ER visits, broken bones, and surgeries so the bill does not break you.
Get Quote →GAP / Out-of-Pocket Protection
The average deductible is $4,500. That means YOU pay $4,500 before insurance covers a dollar. GAP insurance covers your deductible so you are never caught off guard.
Get Quote →Dental, Vision & Hearing
One root canal costs $1,500. A pair of hearing aids costs $3,000. Affordable DVH coverage keeps your teeth, eyes, and ears protected for pennies a day.
Get Quote →OmniFlex Short-Term Care
Medicare only pays for 100 days in a facility. After that it is $7,500/month out of your pocket. OmniFlex bridges that gap — at home, assisted living, or a facility.
Get Quote →Home Health Care
Skilled nursing visits cost $150+/hour without coverage. Home Health Care insurance pays for the nursing and therapy that keeps you or a loved one safely at home.
Get Quote →Disability Coverage
1 in 4 workers will experience a disability before retirement. What happens to your mortgage and your family if you cannot work? This replaces your income.
Get Quote →Seniors & Medicare
Seniors & Medicare
Medicare plans, final expense, home health care, and senior-focused benefits — everything in one place for Texans age 50 and older.
All-in-One Plan
Medicare Advantage
Part C — Bundled Coverage
Most Texas seniors pay $0/month for Medicare Advantage plans that include dental, vision, and hearing. If you have not compared plans recently, you could be overpaying for less coverage.
- ✓ $0 premium options available
- ✓ Dental, vision, hearing extras
- ✓ HMO & PPO options
Maximum Freedom
Medicare Supplement
Medigap — Fill the Gaps
Original Medicare leaves you paying 20% of every medical bill — forever. One major surgery could cost you $20,000 out of pocket. Medicare Supplement pays what Medicare won’t — so you never get a surprise bill.
- ✓ Any Medicare doctor nationwide
- ✓ No network restrictions
- ✓ Predictable out-of-pocket costs
Ages 50–85
Final Expense Insurance
Whole Life — Guaranteed Acceptance
The average funeral now costs $12,000 — and that burden falls entirely on your family. Final Expense insurance covers it completely, with no medical exam and guaranteed approval available ages 50–85.
- ✓ No medical exam required
- ✓ $5K–$35K coverage
- ✓ Guaranteed acceptance option
Short-Term Recovery
OmniFlex Short-Term Care
ManhattanLife — Flexible Coverage
Medicare only pays for 100 days in a nursing facility. After that, costs reach $7,500/month — out of your pocket. OmniFlex Short-Term Care bridges that gap affordably so recovery does not drain your savings.
- ✓ Home, facility & assisted living
- ✓ Flexible benefit periods
- ✓ No elimination period options
Stay Home Longer
Home Health Care
ManhattanLife — In-Home Coverage
90% of seniors want to stay in their own home. But skilled nursing visits cost $150+/hour without coverage. Home Health Care insurance pays for the care that keeps you independent and comfortable.
- ✓ Skilled nursing at home
- ✓ Physical & occupational therapy
- ✓ Personal care & homemaker services
All in One
Dental, Vision & Hearing
ManhattanLife — DVH Coverage
Medicare does not cover routine dental, vision, or hearing. One root canal costs $1,500. A pair of hearing aids costs $3,000. Protect your retirement savings with affordable DVH coverage.
- ✓ Dental cleanings & major work
- ✓ Vision exams & eyewear
- ✓ Hearing aids covered
Long-Term Protection
Long-Term Care Insurance
Back9 — 130+ Carriers
The average American will spend $172,000 on long-term care. Without insurance, that comes straight out of your retirement savings. Protect what you have built — compare 130+ carrier options instantly.
- ✓ Nursing home & home care
- ✓ Hybrid Life+LTC policies
- ✓ 130+ carriers compared
Protect Your Family
Life Insurance Plans Texas
Term, whole life, final expense, IUL — the right coverage for every stage of life, starting from $40/month.
From $40/Month
$1M Term Life Insurance
130+ Carriers | Back9 Quote & Apply™
Tell us your priority — protection, retirement, or care — and Back9 instantly compares 130+ carriers to find your best fit. Coverage from $40/month. No exam options available.
- ✓ Coverage from $40/month
- ✓ 130+ top-rated carriers
- ✓ No exam options available
Ages 50–85
Final Expense Insurance
Whole Life — Guaranteed Acceptance
Cover funeral costs and leave money for loved ones. No medical exam required. Coverage $5,000–$35,000. Guaranteed approval available.
- ✓ No medical exam required
- ✓ $5K–$35K coverage
- ✓ Guaranteed acceptance option
Tax-Free Growth
IUL — Indexed Universal Life
Tax-Free Retirement Strategy
What if your retirement savings could grow tax-free, be protected from market crashes, AND provide a death benefit? That is the power of an IUL. Zero downside risk, full market upside.
- ✓ Tax-free retirement withdrawals
- ✓ Market-linked growth potential
- ✓ 0% floor — never lose principal
Protect Your Assets
Long-Term Care Insurance
Back9 — 130+ Carriers
Cover nursing home, assisted living, and home care costs without draining your savings. Traditional LTC and hybrid Life+LTC policies compared instantly.
- ✓ Nursing home & home care
- ✓ Hybrid Life+LTC policies
- ✓ 130+ carriers compared
Guaranteed Growth
Annuities
Fixed & Indexed — Back9
Running out of money is the #1 retirement fear in America. A fixed or indexed annuity gives you guaranteed income you can never outlive — no matter how long you live or what the market does.
- ✓ Guaranteed or indexed growth
- ✓ Protected from market losses
- ✓ Multiple payout options
Income Protection
Disability Income Insurance
Back9 — Protect Your Paycheck
Your paycheck is your most valuable asset — more valuable than your house or car. 1 in 4 workers will experience a disability before retirement. Disability insurance protects your income when you cannot work.
- ✓ Short & long-term options
- ✓ Own-occupation coverage
- ✓ 130+ carriers compared
No Exam Required
No-Exam Life Insurance
Ethos Life — Apply in Minutes
Traditional life insurance takes weeks and requires a medical exam. With Ethos, apply in 10 minutes from your phone. No exam, instant decision, coverage up to $2M. Protecting your family has never been easier.
- ✓ No medical exam required
- ✓ Apply in minutes online
- ✓ Coverage up to $2M
For Texas Businesses
Business Health Benefits
Stop overpaying for group insurance. Modern benefit strategies that attract top talent and save real money.
Save 20–40%
ICHRA
Replace Group Insurance & Save
Traditional group insurance costs employers $7,000+ per employee per year. ICHRA replaces it with a tax-free monthly allowance — employees choose their own plan and you save 20–40%. No renewals, no surprises.
- ✓ 100% tax-deductible allowances
- ✓ Employees choose their own plan
- ✓ Any size business qualifies
Voluntary Benefits
ManhattanLife Bundle
Group Supplemental Benefits
The best employees have options. Companies offering supplemental benefits retain staff 40% longer. Best part — it costs your business $0. Employees choose and pay for their own benefits. You just look great.
- ✓ $0 cost to the employer
- ✓ Dental + vision + accident + more
- ✓ Employee-paid voluntary benefit
Your Licensed Texas Advisor
Not Sure Where to Start?
I’m David Gustafson — licensed Texas insurance advisor. I’ll compare every option, explain the tradeoffs honestly, and help you enroll in the right plan. Free consultation, zero pressure, zero obligation.