2026 ACA Health Plans in the Rio Grande Valley, TX | Las Madrinas Insurance Skip to content

McAllen · Edinburg · Brownsville · Harlingen · Free Bilingual Help

Rated 4.7/5 · 500+ Total Reviews

2026 Plan Went Up? Let’s Bring It Down.

Walk in at our Edinburg office, or call. Free. En español o en inglés.

  • No Fee For Our Help
  • Licensed TX Agents
  • English or Spanish

Prices rose all over Texas when the extra federal help ended, and dropping your plan leaves your family one accident away from a bill you cannot pay.

  • $0 cost to you
  • Call back in 1 hour
  • 2027 enrollment opens Nov 1

Trusted by over 2 million families

Backed by top-rated carriers

Ambetter Health UnitedHealthcare Molina Healthcare Oscar AmeriHealth

As seen on

Telemundo 51 WSFL-TV Channel 39 Latin Biz Today NBC 6 South Florida Univision
4 out of 5 pay less than $10/mo*

See What You Qualify For in 2 Minutes

Most Valley families still get help paying. A licensed agent calls within 1 hour to show you how much.

  • No cost
  • No pressure

Check my eligibility

Takes less than 2 minutes

Free. We never sell your info. Reply STOP anytime.

Why Valley Families Call Their Madrina

  • Rated 4.7 stars by 500+ families
  • Texas-licensed agents
  • Real Valley office: 1601 W Trenton Rd, Edinburg
  • Español o inglés, every step
  • $0 cost. Carriers pay us, not you.

We Help With

Pick What Sounds Like You

Every situation has a plan. We find yours.

  • My Price Went Up

    Don’t drop your plan. We find the help you still get and a lower price.

    Check My Savings
  • I Lost My Coverage

    Lost your job’s plan or Medicaid? You have 60 days. We get you covered fast.

    Check My Savings
  • New Baby or Turned 26

    Both let you enroll now. A new baby can be covered from birth.

    Check My Savings
  • I Work for Myself

    Trucking, farm work, or your own shop? We compare every plan and get your income right.

    Check My Savings
  • 2027 Open Enrollment

    It starts Nov 1. Save your spot and we’ll call you first.

    Check My Savings

Why Not Just Use Healthcare.gov?

You can. But a Madrina gives you more for the same $0.

  • Every Plan,
    Side by Side

    We rank plans by what you pay all year, not just each month.

  • Every Dollar of
    Help Found

    Tell us your income and family size. We find all the 2026 help you can get.

  • Your Neighbors
    in Edinburg

    Walk in on W Trenton Rd in Edinburg, or call, text, or video. We file it all for you.

  • One Agent,
    All Year

    The same person helps with renewals, changes, and tax questions.

  • Carriers Pay Us,
    Not You

    Every company pays us the same, so we only care what fits your family.

Carriers pay us. You don't

Every carrier pays us the same, no matter which plan you pick. You will never get a bill from us.

Every carrier compared

UnitedHealthcare, Molina, Oscar, Ambetter and more.

2026 help checked

We find every dollar you still qualify for.

English or Spanish

Licensed Texas agents, every step.

The itinerary

Three stops between you and better coverage.

One short form to start. From there, your agent walks every step with you, start to finish.

  1. Close view of a hand working through a printed plan-comparison checklist with a pen at a desk

    Compare

    See every carrier’s plans side by side, ranked by real total cost, not just the monthly premium.

  2. Two Madrinas advisors at an office desk reviewing enrollment paperwork with a client between their monitors

    Qualify

    We check every dollar of 2026 help your income and household size unlock, so nothing is left.

  3. Madrinas team members in light-blue Seguros de Salud polos assisting families under branded canopies at an outdoor community enrollment event

    Enroll

    We complete and file your Marketplace application for you. No hold music, no guesswork, no healthcare.gov maze.

Enroll in minutes

Get peace of mind for you and your family

  • Every plan, side by side

    See plans from UnitedHealthcare, Molina, Oscar, AmeriHealth, Ambetter, and more in one place. You get the real total cost, not just the monthly premium.

    Get my free quote
  • Find every dollar of 2026 help

    Prices changed this year across Texas. Share your income and household size, and you will see every dollar of help you still qualify for in 2026.

    Get my free quote
  • No surprises, ever

    We tell you the real total cost up front, in plain English or Spanish, before you commit. Nothing changes until you say yes, and you can cancel anytime.

    Get my free quote
  • One agent, all year long

    The same person handles your renewals, plan changes, and tax-time questions on 1099 income, in English or Spanish, every month of the year, not just at signup.

    Get my free quote

There's no fee for our services

We're compensated by the insurance carriers, not by the consumer.

Our licensed agents help you compare, quote, and enroll at no cost. Carriers pay us the same commission no matter which plan you pick — so the only thing we're working for is the right fit for your family.

Madrinas team of about fifteen posing with open arms in the bright blue-and-yellow Miami office
Couple at a Madrinas community event holding a number-one-dad trophy balloon beside a classic-car balloon in front of the branded backdrop

Bilingual ACA help Texas families count on

Our help is different. We are Las Madrinas Insurance.

We compare every carrier, find the 2026 help you still qualify for, and file your Marketplace application for you. English or Spanish, at no cost to you.

Get my free quote

There's no fee for our services

We're compensated by the insurance carriers, not by the consumer.

Our licensed agents help you at no cost quotes, plan comparisons, and enrollment are all free. Carriers pay us the same, so we work for you.

  • Licensed Texas advisors

    You get a named, Texas-licensed agent by phone, text, or in person in Texas. Not a call center, not a robot.

  • We don't charge you

    No fee, no upsell, no bill from us, ever. You get the same expert help whether you enroll or not.

  • English or Spanish, every step

    From your first question to your renewal, in the language you want. Researching for a Spanish-speaking parent? We guide them directly.

Affordable, reliable, and backed by names you know

Get peace of mind with coverage from top-rated national health plans

Ambetter Health UnitedHealthcare Molina Healthcare Oscar AmeriHealth

4.7 Stars From 500+ Families. Here’s Why.

I've had my Obamacare coverage for over a year and I'm extremely happy with the fast, efficient service. I'm especially grateful for the excellent care from Las Madrinas.

Alberto Fernandez Rated 5 out of 5 on Google

Rosmari Carrera is an amazing agent. Always helpful and polite. I highly recommend her.

Juan Ramirez Rated 5 out of 5 on Google

I've been working with their advisors for a while now, and so far they've been very attentive and helpful — especially my advisor Rosmery Cabrera.

Fundación Social del Pacífico Rated 5 out of 5 on Google
Talk to a Madrina — Free

We help people like you every day

  • Tidy white desk with an empty chair beneath a framed print in a bare home office

    Lost your job or coverage

    Losing work coverage opens a 60-day window to enroll now. We find your plan before the gap costs you.

  • Wooden desk with an open laptop, reading glasses and a cup of coffee

    Run your own business

    1099 income and no group plan. We compare every carrier and help you estimate your income so tax time holds no surprise.

  • Close-up of a newborn baby’s foot resting on a white blanket

    Just had a baby or turned 26

    Both count as a life change. We get your family covered with no gap.

  • Hands working a desktop calculator beside an open laptop and notebook

    2026 premium jumped

    Before you drop your plan, we check what you actually qualify for now and find the best total cost.

Obamacare in Texas: Your Questions Answered

Is your help really free?

Yes. Our help is free. Insurance carriers pay licensed agents like us, and we are paid the same no matter which plan you pick, so we work for you.

My premium went up for 2026. What can I do?

Premiums rose sharply this year after the extra federal help ended. Many people saw their premium jump sharply in 2026, and family premiums climbed. Before you drop your plan, we compare every carrier and check the help you still qualify for.

Can I still enroll now that Open Enrollment is closed?

Open Enrollment for 2026 ended in January. A recent life change, like losing coverage, a new baby, a move, a marriage, or a lost job, opens a 60-day Special Enrollment window. If you did not have a change, Open Enrollment for 2027 starts November 1, and we can hold your spot.

When does my coverage actually start?

You can enroll in one short call, but coverage does not start that same day. It usually starts on the first of the next month. If you just had a baby, it can start the day the baby was born.

What does a plan actually cover?

Every Marketplace plan covers doctor visits, prescriptions, emergency care, hospital stays, free preventive care, maternity and newborn care, and mental health care. We match the network and deductible to your family and your doctors.

How many times will you contact me? Will I get spammed?

One friendly call to go over your options. No spam, no pressure. You can tell us to stop any time.

Am I obligated to enroll if I fill out the form?

No. We do not change anything until you say yes, and you can walk away at any point. You can also switch or cancel a plan later if your situation changes.

Do I need to be a U.S. citizen?

No. Lawfully present immigrants, including green card holders, can enroll and may get help paying. In a mixed-status family, the members who qualify can still get covered. We check your situation privately.

Do you speak Spanish?

Yes. Hablamos español, every step. Researching for a Spanish-speaking parent? We guide them directly, in Spanish.

Is my personal information safe?

Yes. Your information is protected, never sold, and only used to check your options.

Do you help with anything besides health insurance?

Yes. We also help with life insurance, small-business group plans, and college planning. Ask your Madrina on the call.

I earn very little. Can I still get help?

It depends on your income. Texas did not expand Medicaid, so some low-income adults fall in a gap. A licensed agent checks your case on the call.

We help families across the Rio Grande Valley in

English and Spanish, by phone, video, or in person.

  • Starr County
  • Hidalgo County
  • Willacy County
  • Cameron County

Open Enrollment Starts Nov 1. Call Your Madrina.

One free call, or stop by our Edinburg office. We check every plan and every dollar of help.

Call (855) 360-0014

Open 7 days, 7 AM to midnight · Hablamos Español

Still Scrolling? Let Us Do the Math.

A licensed Texas agent calls within 1 hour with your real options.

Free. No pressure. We never sell your info.