Ins/Mark of America

Time Left in Open Enrollment
Open Enrollment Ends FEBRUARY 15, 2015

ACA Aetna Health Plans
ACA BlueCross BlueShield Health Plans
ACA Cigna Health Plans
ACA Humana Plans

Important Health Insurance Marketplace dates

You can generally buy health insurance only during the annual open enrollment period. Upcoming dates to know:

  • November 15, 2014: 2015 open enrollment begins
  • February 15, 2015: 2015 open enrollment ends

To buy insurance outside open enrollment, you must qualify for a special enrollment period due to a qualifying life event such as marriage, divorce, birth or adoption of a child, or loss of a job.

Open enrollment for 2015 coverage ends February 15, 2015. If you havenít enrolled in coverage by then, you generally can't enroll in 2015 coverage until the next open enrollment period.

If you don't have health coverage in 2015, you may have to pay a penalty.

Enrollment and coverage start dates

During open enrollment, if you enroll:

  • between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on December 16, your coverage starts on February 1.

Insurance for you and your family

REALTORS® realize the importance of dealing with LICENSED and PROFESSIONAL AGENTS to assist and guide their clients through the complicated demands to achieve Real Estate ownership or to sell Real Estate.

The principals apply to the selection and purchasing of Health Insurance for you and your families. In todays confusing Health Insurance markets created by the new and confusing Affordable Care Act (ACA) it is even more important that you have a trustworthy and knowledgeable Agency to guide you through the new mandated Health Plans created by ACA. INS/MARK is a BENEFIT PARTNER of Texas Association of REALTORS® and a MEMBER SERVICES PARTNER of Louisiana REALTORS® and has enjoyed working with REALTORS® for over twenty-five (25) years.

Our representatives are certified by CMS to assist you in making your selection of the approved Health Plans plus understanding the new Federal Exchange created by the Affordable Care Act. You may qualify for Federal Premium Subsidies which could reduce your monthly premium depending on your income.

Our services are free to you and the premiums you pay are the same as you will when purchasing directly from an insurer whose rates are filed with the Texas Department of Insurance and the Louisiana Department of Insurance. The rates are the same no matter where you purchase your policy. The difference is you work with agents licensed by the Texas Department of Insurance and the Louisiana Department of Insurance. All our representatives are trained to provide clients with prompt and professional services.


CALL OR E-MAIL us today for prompt and professional service:

Main Office: 281-293-8292
Toll Free: 1-800-847-7503
24/7/365 Cell: 832-719-7895


William P. Sartain Agent/Broker

Federally Faciliated Marketplace (FFM) Id: WMPSARTAIN
National Producer No. (NPN): 1060114
Texas Insurance License No: 634962
Louisiana Insurance License No: 168537