Who's eligible for the Fortress Plan?
Applicant Requirement
- All applicants must live in Texas.
- Every plan requires at least one adult (No child-only policies)
- Primary applicant must be 18 or older.
- Dependents are covered up to age 25.
- Newborns are covered from birth if enrolled within 31 days.
- Disabled adult dependents over age 25 are eligible with documentation.
Identity & Citizenship
All applicants must have a valid SSN or ITIN and must be U.S. Citizens or Lawful Permanent Residents.
Tobacco Use
Applicants may not use tobacco products more than 4 times per month.
Medical History
Applicants with a history of any condition below are not eligible. This applies to every household member on the plan — not just the primary applicant.
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| AIDS or ARC | Hemophilia | Paralysis |
| Addison's Disease | Hepatitis (any type) | Parkinson's Disease |
| Cancer (any type) | HIV | Pernicious Anemia |
| Crohn's Disease | Kidney/Renal Failure | Psoriasis |
| Cirrhosis | Lou Gehrig's Disease (ALS) | Reactive Arthritis |
| Congestive Heart Failure | Lupus | Rheumatoid Arthritis |
| Dementia | Lyme Disease | Scleroderma |
| Dermatomyositis | Mitral Valve Prolapse | Sjögren Syndrome |
| Diabetes (Type 1 or Type 2) | Multiple Sclerosis | Stroke |
| Epilepsy | Muscular Dystrophy | Ulcerative Colitis |
| Fibromyalgia | Myasthenia Gravis |
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| Graves' Disease | Heart Attack (MI) |
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| Hashimoto Thyroiditis |
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"History" means ever having sought, been recommended, or received medical advice, diagnosis, care, or treatment for any condition listed above.
Pre-Existing Conditions
Enrolling with a pre-existing condition doesn't automatically disqualify you — but coverage for that condition is limited in your first year.
Any condition for which you sought, received, or were recommended care in the 12 months before your start date will not be covered during your first 12 months of coverage.
After the waiting period ends, pre-existing conditions are covered like any other eligible condition under your plan.