For licensed health insurance agents in Texas
FortressPlan by Presidio: Know the Plan, Know the Fit
Understand where FortressPlan may fit in your product conversations. Two separate policies, medical underwriting, and clear limits. Not ACA, major medical, or Minimum Essential Coverage. Texas only. No sign-up needed to read the brief.
Applications are accepted year-round with no enrollment period, subject to eligibility and medical
underwriting.
Agent education only — not a quote, not an eligibility decision, and not client enrollment.
Agent education only
Not a quote or an eligibility decision
Plan structure
Two separate policies. Four levels.
Sickness and Accident policies, plus optional Wellness. Every level has a $0 annual deductible and 50% coinsurance. Each policy has its own MOOP (individual / family), never one combined cap.
-
$2,500 / $5,000
Elite. Individual and family maximum out of pocket, on each policy separately. $0 annual deductible, 50% coinsurance.
-
$5,000 / $10,000
Secure. Individual and family maximum out of pocket, on each policy separately. $0 annual deductible, 50% coinsurance.
-
$7,500 / $15,000
Value. Individual and family maximum out of pocket, on each policy separately. $0 annual deductible, 50% coinsurance.
-
$10,000 / $20,000
Essential. Individual and family maximum out of pocket, on each policy separately. $0 annual deductible, 50% coinsurance.
-
Two MOOPs
Sickness and Accident are separate policies and each one has its own maximum out of pocket. There is never one combined cap across the two.
-
$0 deductible
On every level — and it does not mean free care. Members pay 50% coinsurance up to each policy’s separate MOOP.
There is no overall policy maximum, but specific limits, exclusions and waiting periods apply. Optional Wellness pays scheduled amounts. Maternity has a separate first-year deductible. Agent education only — availability, eligibility and full policy terms apply. Source: Presidio’s plan table.
Have a product question?
Do not enter SSN, ITIN, or client health details. Outside Texas: education only. This is agent education, not client enrollment — we do not quote, price or decide eligibility here.
Send a product question
For licensed health insurance agents. Texas only — outside Texas, answers are education about the product and not an offer to appoint or to sell.
The carrier
Who is
Presidio?
Three things to be able to say accurately before FortressPlan comes up in a client conversation: what it is, who may apply, and who does what.
-
Real insurance
Not a health share
Presidio is a faith-based, pro-life insurer. FortressPlan is insurance — not a healthcare sharing ministry.
-
Any faith
No statement of faith
Any faith or no faith may apply, subject to eligibility. There is no statement of faith to sign.
-
Two roles
Trainer and insurer
Madrinas trains agents. Presidio is the insurer. Neither role is the other, and this page is published by Madrinas.
Guaranteed renewable as the brochure describes it.
That is not a fixed premium and not unconditional lifetime coverage — premiums can change and termination provisions still apply.
FortressPlan is non-ACA insurance from Presidio. It is not major medical and
not Minimum Essential Coverage.
Available in Texas only. Agent education only — availability,
eligibility and full policy terms apply.
Cost
example
An individual on Secure has $20,000 in covered sickness costs and $8,000 in covered accident costs. Each policy has its own MOOP, so the two are worked separately and never added into one cap.
- Sickness: the 50% share reaches the $5,000 Sickness MOOP.
- Accident: 50% of $8,000 is $4,000.
- Member share: about $9,000.
- Assumes all costs are covered and allowable, no earlier accumulation or rollover, and no maternity deductible. Premiums and noncovered costs are not included. Teaching example only — not a quote and not a coverage decision.
Carrier documents
Read the four
carrier documents
The brochure, the overview deck, and the eligibility guides in English and Spanish — the insurer’s own files, in plain language, built to show fit and non-fit. Ask for the document set with the form below and we will email it to you.
What is in the set
FortressPlan brochure · Overview deck · Eligibility guide (English) · Eligibility guide (Spanish). Carrier page: Presidio for producers.
Get the document set
Product education, a tier and MOOP walkthrough, and an illustrative cost example — taken from the four original insurer documents rather than paraphrased.
GetdocumentsAgent education only. Not a quote, not an eligibility decision, and not client enrollment.
Fit and non-fit
Right for your client?
FortressPlan is medically underwritten, so the answer is a real yes or a real no — and knowing the no is what keeps you from misdescribing a non-ACA product.
Who it fits
Clients evaluating a non-ACA option who pass medical underwriting.
Who it is not for
Anyone who needs day-one pre-existing coverage, guaranteed acceptance, ACA protections, current pregnancy coverage, or one combined out-of-pocket cap.
Anyone who needs coverage for contraception, abortifacients, in vitro fertilization, gender-transition treatment or euthanasia, which FortressPlan does not cover.
To apply
64 or younger at the effective date; under 18 applies with a parent or guardian; not pregnant; tobacco four times a month or less; valid SSN or ITIN at application.
What makes an applicant ineligible
Listed health conditions, even past ones, make an applicant ineligible. Pre-existing conditions have a 12-month look-back and are not covered the first 12 months. Presidio may check prescription and medical records.
What you must never promise
Never promise approval. Applications are accepted year-round with no enrollment period, but that is subject to eligibility and medical underwriting — fast to read is not fast to approve, and there is no same-day or guaranteed approval to offer. Agent education only. Availability, eligibility and full policy terms apply.
The approved route
Want the
next step?
-
Read
The brief, with no sign-up.
The four carrier documents on request. -
Ask
Send a product question and get it answered from the insurer’s own documents.
-
Request
Ask for approved Madrinas training or contracting guidance.
-
Route
You are routed to the assigned Madrinas contact. Asking does not mean you are appointed.
Agents only
Request agent guidance
Request approved Madrinas training or contracting guidance. Agents only, not client enrollment. Asking does not mean you are appointed or that contracting is guaranteed. Do not enter SSN, ITIN, or client health details.
Texas only
-
Where it is sold
FortressPlan is available in Texas only.
-
Outside Texas
Education only. Expansion plans are not permission to sell.
-
Before you sell
Check your license and appointment first.
Quick answers
Is this an ACA plan or a health share, and where can I sell it?
No to both. FortressPlan is non-ACA insurance from Presidio. It is not major medical, not Minimum Essential Coverage, and not a healthcare sharing ministry. It is available in Texas only. Check your license and appointment first.
Who is it for, and who is it not for?
It may fit clients evaluating a non-ACA option who pass medical underwriting. It is not for anyone who needs day-one pre-existing coverage, guaranteed acceptance, ACA protections, current pregnancy coverage, or one combined out-of-pocket cap.
Does a $0 deductible mean free care?
No. Members pay 50% coinsurance up to each policy’s separate MOOP. There is no overall policy maximum, but specific limits, exclusions, and waiting periods apply. Check First Health provider participation and covered drugs. Optional Wellness pays scheduled amounts, and not all virtual care is free. Maternity has a separate first-year deductible. Guaranteed renewable, but premiums can change.