Valor Health Solutions

Veteran-Owned • Licensed Advisor • Trusted Guidance

Call or Text: (817) 729-6056

Texas Health Insurance Without the Confusion

Veteran-owned health insurance guidance for individuals, families, self-employed professionals, and small business owners. Licensed in 32 states and committed to helping you understand your options.

Independent Guidance For:

  • ACA Marketplace Plans
  • Private PPO Plans
  • Self-Employed Coverage
  • Family Health Insurance
  • Small Business Health Insurance
Get a QuoteCall or Text Phil(817) 729-6056
  • Licensed in 32 States
  • Veteran-Owned & Operated
  • 500+ Families Served
  • 20 Five-Star Google Reviews

Based in Keller, TX • Serving Fort Worth, DFW & clients in 32 states.

Phil Vaughn, founder of Valor Health Solutions, with his dog Molly in Keller, TX
Health Insurance Without The Confusion

How I Can Help

Coverage Built Around Your Life

Five focused ways I help Texans and clients across 32 states find the right health insurance — without the runaround.

Individual & Family Coverage

Marketplace and private plans for households, kids, and young adults aging off a parent's plan.

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Self-Employed Health Insurance

Year-round coverage built for 1099 contractors, freelancers, and solo business owners.

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Small Business / Group Health Insurance

Group plans, QSEHRA, and ICHRA options for Texas employers from 2 to 50 employees.

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ACA Marketplace Guidance

Honest help with subsidies, networks, and Special Enrollment — no political opinions, just the math.

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Licensed in 32 States

Keller, TX based with coast-to-coast coverage for clients who move, travel, or work remote.

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Free Interactive Tools

Explore Our Health Insurance Decision Center

Get clear, educational help choosing coverage, checking doctor access, or understanding enrollment after a life change.

Visit the Decision Center
Phil Vaughn, licensed health insurance broker serving Keller, TX and DFW
Veteran-Owned & Operated

Meet Your Advisor

Meet Phil Vaughn

I founded Valor Health Solutions to give individuals, families, and business owners clear, personalized help without pressure or confusion.

As a licensed health advisor and Marine Corps veteran, I compare Marketplace and private options around your needs, doctors, and budget—and remain available after enrollment when questions arise.

32
Licensed States
500+
Families Served
5★
Google Rating

Serving Keller, TX & Clients Nationwide

Based in Keller, Valor Health Solutions serves clients across Texas and 31 additional states, including local communities throughout Fort Worth and DFW.

★★★★★ 5.0 Google Rating

Verified Google Reviews

Trusted by individuals, families, and self-employed professionals looking for health insurance guidance without the confusion.

"Phil was wonderful to deal with when we were trying to find the best health insurance plan to meet our needs. He was very knowledgeable and explained everything in detail. We appreciate him and highly recommend!"

— Shari Hickman
Verified Google Review

"Phil has been tremendously helpful. I've been on company-sponsored insurance forever but am now working on my own, so needed to find my own insurance. Phil was great at helping us understand the options from the Exchange (Obamacare) to private insurance options. Really helpful guidance."

— Wade Bontrager
Verified Google Review

"Looking for health insurance is overwhelming, but Phil listened to what I needed and helped me find the best cost and coverage for my situation. Even after more than a year, he's still there whenever I have questions."

— Virginia Arington
Verified Google Review
5.0 Google RatingView All Google Reviews

Simple Steps. Lasting Protection.

1

We Talk

Tell me about your needs and goals.

2

We Review

I'll compare options and explain clearly.

3

You Choose

Select the plan that's right for you.

4

I'm Here

Ongoing support whenever you need it.

Frequently Asked Questions

Straightforward answers about health insurance, coverage options, and how we help.

Texans may have access to ACA Marketplace plans, off-Marketplace coverage, private medically underwritten options, short-term medical plans, and supplemental coverage. Availability depends on your ZIP code, health needs, household income, eligibility, and enrollment timing. I help you compare the options available through the carriers and platforms I’m authorized to use so you can evaluate costs, networks, prescriptions, benefits, and limitations.

Possibly. A qualifying life event—such as losing job-based coverage, getting married, having a baby, moving, or turning 26—may open a Special Enrollment Period, usually for a limited time. Some private or short-term options also accept applications year-round, subject to state availability, eligibility, and underwriting. These options may not provide the same benefits or consumer protections as ACA-compliant coverage.

A PPO generally offers more provider flexibility and often allows members to see specialists without a referral, although benefits and out-of-network coverage depend on the specific plan. An HMO generally requires members to use its network and may require referrals from a primary care physician. Premiums, deductibles, networks, referrals, and out-of-network benefits should all be checked in the actual plan documents.

Not necessarily. “Private health insurance” is a broad term that can include ACA-compliant plans sold outside the Marketplace as well as non-ACA options such as short-term, fixed-indemnity, or medically underwritten coverage. Benefits, exclusions, pre-existing-condition rules, and financial protections vary by product. I explain which requirements apply to each option before you make a decision.

Health insurance costs vary based on factors such as age, location, household income, tobacco use, plan type, provider network, and subsidy eligibility. ACA premium tax credits may reduce premiums for eligible households. Private plan pricing and eligibility vary by carrier, product, state, and underwriting requirements. I can provide actual options based on your ZIP code and circumstances rather than relying on a general estimate.

Still have questions? I am happy to walk through your situation personally.

Request a Free ConsultationCall (817) 729-6056

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Share a few quick details and I'll be in touch personally to walk you through your options.

No pressure. No spam. Just personalized guidance.

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