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ACA Health Insurance Coverage Options in Texas

Texas uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Texas residents.

Get a sneak peek at the 2027 plans

The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.

Call 855-367-1095 for a sneak peek Make an appointment

Looking for Medicaid? Call your state, not us.

Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.

Texas Medicaid: Texas Health and Human Services Commission (HHSC) · 2-1-1 (or 1-877-541-7905, option 2) (Your Texas Benefits) · hhs.texas.gov/services/health/medicaid-chip

If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.

Eligibility considerations

No coverage available through an employer, Medicare, or Medicaid
Interest in comparing Texas Marketplace plans by metal tier
Uncertainty about premium tax credit eligibility based on household income

Plan tiers

Bronze plans

Lower monthly premium; higher cost-sharing when care is used.

Silver plans

The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.

Gold plans

Higher monthly premium; lower cost-sharing at the point of care.

Texas Medicaid and Marketplace information

Medicaid expansion status: Not expanded
Texas Medicaid agency: Texas Health and Human Services Commission (HHSC)
ACA Marketplace: HealthCare.gov (federal Marketplace)

If an ACA plan doesn't fit

Some Texas residents earn too much for premium help, or missed the enrollment window, and feel they have no options. You may still have some.

Texas counties: ACA open enrollment

Choose your county for the dates, Medicaid status and how to get help.

Common questions

How is ACA Marketplace coverage administered in Texas?

Texas uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.

Has Texas expanded Medicaid under the ACA?

Texas has not adopted ACA Medicaid expansion. Some adults with income too high for traditional Medicaid but too low to qualify for Marketplace premium tax credits may fall into a coverage gap. A licensed agent can review what applies to a specific household.

Is there a cost to speak with a licensed agent?

No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.

Questions are easier by phone.

Call 855-367-1095 to talk through your situation with licensed insurance help.

Licensed insurance help
No guaranteed eligibility, pricing, or availability
Educational starting point

Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.

Call 855-367-1095 Make an appointment