Texas has 3.9 million ACA marketplace enrollees. Compare Texas health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Texas agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Texas residents enroll through HealthCare.gov, the federal marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Texas.
These are the primary insurance companies offering ACA Marketplace plans in Texas. Availability varies by county and zip code.
The state's largest carrier, offering HMO and PPO plans through a broad Texas provider network statewide.
A Centene company offering competitive low-premium Marketplace plans with preventive care focus across most Texas counties.
A tech-driven insurer offering virtual care and a modern app experience in major Texas metros including Dallas, Houston, and Austin.
Affordable Marketplace plans designed for low-to-moderate income individuals and families in select Texas counties.
A Texas-based health plan serving the greater Houston area with a focus on ACA Marketplace and CHIP plans.
Nationwide carrier with Texas Marketplace offerings in select metro areas, combining insurance coverage with CVS MinuteClinic access.
Answers to the most common questions about ACA health insurance in Texas.
No. Texas uses the federal marketplace at HealthCare.gov. Unlike some states, Texas has not established a state-run exchange. All ACA plan enrollment for Texans goes through HealthCare.gov.
No. Texas is one of the largest non-expansion states. Most working-age adults without children do not qualify for Medicaid regardless of income — they must use the ACA Marketplace. Adults earning less than 100% FPL may fall into a coverage gap.
For 2026, Premium Tax Credits are available to Texans earning at or above 100% of the Federal Poverty Level (about $15,960 for a single person). There is no upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify for some subsidy.
If you earn 100–250% FPL, Enhanced Silver plans offer the most value. At very low incomes where Medicaid doesn't apply, $0 premium Bronze plans may be available. Community health centers also provide sliding-scale care for uninsured Texans.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Texas does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.
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254 Texas counties have a dedicated page live today. More are added regularly.