Texas · 2027 Open Enrollment

Texas ACA health insurance for 2027

Open Enrollment for 2027 Texas Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Texas and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.

What's new in Texas for 2027

Texas has about 14 Marketplace insurers for 2027. Cigna and Baylor Scott & White Health Plan are leaving, so their members must pick a new plan. Texas also requires insurers to price Silver plans higher, which can make Bronze and Gold plans a better deal for people with tax credits.

Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.

How to enroll in Texas

Texas residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:

1. Enter your Texas ZIP code, household size and estimated 2027 income.
2. Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
3. Pick a plan, submit your application and pay your first premium to activate coverage.

Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).

2027 Texas Marketplace insurers

• Blue Cross and Blue Shield of Texas
• Ambetter (Celtic / Superior HealthPlan)
• Oscar
• UnitedHealthcare
• Molina
• CHRISTUS Health Plan
• Community First
• Community Health Choice
• Sendero
• Moda
• Imperial
• Wellpoint
• Harbor Health

Not every insurer sells plans in every county. Source: healthinsurance.org Texas Marketplace guide and state rate filings, September 2026.

Medicaid and the coverage gap in Texas

Texas has not expanded Medicaid. About 605,000 Texans are in the coverage gap, with income below the poverty level and no Medicaid eligibility. If your household may qualify for Texas Medicaid and CHIP, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.

Where we help in Texas

We enroll individuals, families, self-employed workers and early retirees across Texas, including Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso and McAllen, plus rural counties. Everything is handled by phone and online, so there's no office visit.