Ready to Enroll?
If you’ve had a qualifying life event, you may be eligible for a special enrollment period. See if you qualify for Community First Mercado Plan and enroll today.
Community First is the only local non-profit Marketplace plan in Bexar County. With over 30 years of experience providing trusted health care coverage, we are proud to offer affordable plan options, extra Member benefits, and an expansive network of local providers.
Find the right plan to meet your budget and health care needs and enroll today.
Find The Right Plan
Community First Mercado Plan offers straightforward coverage with predictable out-of-pocket costs.
A Mercado Plan may be a good fit if you:
- Prefer simple, predictable costs.
- Like paying a set copay for services.
- Want a plan with a $0 deductible (Silver and Gold options).
- Use health care services frequently and want to better anticipate expenses.
Community First Care Plan helps keep monthly premiums affordable while providing the coverage you need when you need it.
A Care Plan may be a good choice if you:
- Want to keep your monthly premium lower.
- Don’t expect to use health care services frequently.
- Prefer to pay more only when you need care.
- Want reliable coverage with access to a large provider network.
Call Us
Local Marketplace support you can trust.
Call our licensed Community First Marketplace team at 1-888-512-2347 (toll free) or 210-358-6400 (local), Monday through Friday, 8:30 a.m. to 5 p.m. We can help you find the right Marketplace plan to fit your budget and see if you qualify for financial assistance.
MAKE AN APPOINTMENT
Fill out our easy online form and a licensed Marketplace team member will contact you. You can also request in-person support.
MARKETPLACE PLAN BENEFITS
$0 Deductible Plan Options
Largest Primary & Specialty Care Network in South Texas
Prescription Delivery
Before You Enroll
Every plan is different. Monthly premiums, deductibles, copays, and coinsurance can vary by plan. Be sure to review the plan details before choosing the coverage that is right for you and your family.
More Resources
Plan Brochure
Premium Tax Credit
Community First Marketplace FAQs
What are Marketplace metal (Bronze, Silver, Gold) levels?
Marketplace plans are grouped into four metal levels: Bronze, Silver, Gold, and Platinum. The levels help you compare how you and your health plan share health care costs.
Does a Gold plan provide better care than a Bronze plan?
No. All Marketplace plans cover the same essential health benefits. The difference is not the quality of coverage, but how costs are shared between you and the health plan.
Which metal level is best for me?
The best choice depends on your health care needs and budget.
- If you don’t visit the doctor often and want a lower monthly premium, a Bronze plan may be a good fit.
- If you want a balance between monthly costs and out-of-pocket expenses, you may consider a Silver plan.
- If you have a long-lasting condition and/or expect to use health care services often, a Gold plan may help reduce your costs when you get care.
How can I find out what my costs will be?
Your premium (monthly payment) will depend on several factors, like your age, where you live, the plan you choose, and whether you qualify for financial assistance through the Marketplace. The easiest way to estimate your premium in a Community First Marketplace plan is to contact a Community First licensed team member, compare plans on our website, or complete a Marketplace application. Your deductible, copays, and coinsurance amounts can be found in Community First Mercado and Care Plan documents.
Will I qualify for savings or get help paying for my plan?
If you worry that you cannot afford health insurance, a premium tax credit could save you money on your monthly premium, if you qualify. Learn more.
WHAT IS A PREMIUM?
WHAT IS A COPAY?
A copay is a fixed amount ($20, for example) you pay for a covered health care service. Community First Mercado Plan offers $0 deductible plan options, which means your copay is the only amount you will be responsible for when getting health care services.
WHAT IS A DEDUCTIBLE?
A deductible is an amount you pay for covered health care services before your insurance plan starts to pay. For example, if your insurance plan has a $500 deductible, you will pay $500 for your health care expenses before your insurance plan starts to pay for covered health care services.
WHERE CAN I FIND A LIST OF Community First Mercado Plan PROVIDERS?
Use our online Provider Directory to search for a Community First Mercado Plan Provider. You can search by provider type, language spoken, zip code, and more. You can also view or download a complete list of our network of providers.
What happens if I need emergency care outside of the network?
Emergency medical care and post-stabilization services (services that keep your condition stable following emergency medical care) outside the Community First Mercado Plan network are covered under your plan at the same co-pay amount as in-network services.
WHAT IS AN EPO?
An EPO is an Exclusive Provider Organization. In an EPO, your services are covered only if you go to doctors, specialists, or hospitals in your plan’s network (except in an emergency). No referrals are required for in-network specialty care. Our EPO is made up of providers across Bexar County who are nationally recognized in their fields, including one of the largest primary care and multi-specialty provider groups in South Texas.
How do I pay my monthly premium?
You will pay your monthly premium directly to Community First. Your coverage won’t start until you pay your first premium. Visit our Payments page to pay your premium now.
Need help? Use our step-by-step payment guide or call Member Services.
WHEN CAN I ENROLL IN A COMMUNITY FIRST MARKETPLACE PLAN?
November 1 – January 15
- November 1: Open Enrollment starts for health coverage for the next plan year. November 1 is the first day you can enroll in, renew, or change health plans. Coverage can start as soon as January 1.
- January 15: Open Enrollment ends. January 15 is the last day to enroll in or change health plans for the year.
After January 15, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
Where can I see a full list of Community First Mercado Plan benefits?
Every plan is different. Monthly premiums, deductibles, copays, and coinsurance can vary by plan. Review plan documents and details before choosing the coverage that is right for you and your family.
WHAT IS THE SERVICE AREA FOR Community First Mercado Plan?
Community First Mercado and Care Plan both cover individuals and families in Bexar County, Texas.