Health insurance in Texas

ACA & Obamacare plans in Texas

Texas residents shop for Affordable Care Act plans through HealthCare.gov, the federal Health Insurance Marketplace. Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby can let you enroll.

Texas has not expanded Medicaid under the Affordable Care Act, so most adults without children can’t get Medicaid based on income alone. For many people, a Marketplace plan with income-based savings is the most affordable option, and premium tax credits generally start at 100% of the federal poverty level. Your advisor will check what you qualify for.

Every ACA plan sold in Texas covers essential health benefits, and plans can’t turn you down or charge you more for a pre-existing condition. Learn how ACA plans work.

Medicare in Texas

If you’re turning 65 in Texas, your Initial Enrollment Period starts three months before your birthday month. Already on Medicare? The Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage and Part D plans for the coming year.

Our advisors compare Medicare Advantage, Medicare Supplement, and Part D plans available in your part of Texas, based on your doctors and prescriptions. For free, unbiased counseling, you can also contact Texas’s State Health Insurance Assistance Program through shiphelp.org. Learn about Medicare options.

Coverage we help Texas residents compare

Serving all of Texas

We help individuals, families, and seniors across Texas, including Houston, San Antonio, Dallas, and Austin, and in smaller towns and rural communities throughout the state. Everything happens by phone and online, so you get the same help wherever you live.

Texas health insurance questions