Texas Health Insurance
Texas Health Insurance: Free Help Comparing ACA and Private Plans
Licensed in Texas — helping you online, from Houston to El Paso.
I help Texas individuals, families, and self-employed professionals compare their health insurance options and enroll — all online by phone or video, at no cost to you. Texas has one of the largest individual health insurance markets in the country, with many plans to sort through. I'll show you ACA plans through HealthCare.gov and private plans side by side, so you can choose what fits your health, your doctors, and your budget.
Texans Use HealthCare.gov
Texas doesn't run its own marketplace, so ACA plans and financial help are available through the federal HealthCare.gov platform — and I can help you enroll there or directly with a carrier. Nearly 4.2 million Texans selected a marketplace plan during the 2026 Open Enrollment period, one of the highest totals in the country.
What's Changing for 2027 in Texas
Open Enrollment runs November 1, 2026, through January 15, 2027. Choose a plan by December 15 for coverage starting January 1, 2027; enrollments after that start February 1.
About 15 insurers are expected to offer marketplace plans in Texas for 2027. Cigna and Baylor Scott & White are leaving the marketplace, and a new insurer is joining — if your plan is ending, you'll need to choose a new one.
Insurers proposed an average increase of about 13.1% before subsidies. Your actual premium depends on your plan and the financial help you qualify for.
Enhanced federal premium tax credits were not renewed, so many people are paying more — which makes comparing your options more important than ever.
With so many insurers and networks, checking that your doctors and hospitals are in network before you enroll matters more in Texas than almost anywhere.
ACA or Private: Two Paths for Texans
ACA plans accept everyone, with no health questions, and can't turn you down or charge more because of a pre-existing condition. Private plans are offered outside the marketplace and ask health questions, so eligibility depends on your answers — but for healthy people, private plans may cost less, and many are available year-round. I'll compare both for you, and if a private plan isn't the right fit, an ACA plan is always an option.
Need Coverage Outside Open Enrollment?
If you have a qualifying life event — like losing other coverage, moving, getting married, or having a baby — you can enroll in an ACA plan during a Special Enrollment Period. Texas has not expanded Medicaid, so many adults don't qualify for Medicaid even with low income; children may qualify for Medicaid or CHIP year-round. And depending on eligibility, private plans are often available any time of year.
How I Help Texans — Always Free
I'll learn about your household, your budget, and the doctors you want to keep, then walk you through the ACA and private options available in your ZIP code in plain English. I'll check your doctors and prescriptions, help you apply for any financial help you qualify for, and handle enrollment from start to finish. My help is free — plan prices are the same with or without a broker.
Texas Health Insurance FAQ
When is Open Enrollment in Texas for 2027?
November 1, 2026, through January 15, 2027, on HealthCare.gov. Choose a plan by December 15 for coverage starting January 1.
Does Texas have its own health insurance marketplace?
No. Texans use HealthCare.gov for ACA plans and financial help.
My Cigna or Baylor Scott & White marketplace plan is ending. What should I do?
Keep your coverage through the end of 2026, then choose a new plan during Open Enrollment. I can help you compare replacements.
Do we need to meet in person?
No. All consultations are online by phone or video, anywhere in Texas.
Is your help free?
Yes. Brokers are paid by the insurance carriers, so your price is the same.
Reviewed by Heath Heimlich, licensed health insurance advisor (NPN 8799018). Sources: CMS; healthinsurance.org. October 2026.