ACA health insurance in Texas
ACA open enrollment in Texas: November 1 to January 15
ACA open enrollment for 2027 coverage in Texas: the dates, what decides your price, Medicaid in Texas, and what to have ready.
The dates
In Texas, you enroll through HealthCare.gov. Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027.
Sign up by December 15, 2026 and coverage starts January 1, 2027. Sign up December 16, 2026 through January 15, 2027 and it starts February 1, 2027. Outside open enrollment, you can generally sign up only after a qualifying life event, such as losing other coverage, moving or a change in your household.
What decides your price in Texas
Your monthly cost depends on the plan you pick, the plans offered where you live in Texas, who is covered, and your household income for the year. Many people qualify for savings that lower the monthly premium, and the Marketplace decides eligibility when you apply. Update your income estimate every fall so the savings you get match the year ahead.
Medicaid in Texas
Texas has not adopted the standard ACA Medicaid expansion. Some adults with low incomes can fall into a coverage gap where they earn too much for Medicaid and too little for Marketplace savings. Texas Health and Human Services Commission (HHSC) can say who qualifies for Medicaid here.
What to have ready
- Names and birth dates for everyone who needs coverage
- Social Security or immigration document numbers for the people applying
- Your estimate of your Texas household income for 2027
- Details of any job-based coverage anyone in the household could get
- Your current plan's name, if you have one, and the doctors and medicines you use
Checking who you are talking to
Texas Department of Insurance (TDI) regulates insurance in Texas. You can use its agent lookup to confirm that anyone helping you enroll holds a Texas license, and you can ask us for ours at any time.
ACA health insurance in Houston, San Antonio, Dallas, Austin, Fort Worth, and El Paso
We have a page for each of these Texas cities.
More on ACA health insurance in Texas
ACA questions in Texas
When does ACA open enrollment start in Texas?
Open enrollment for 2027 coverage in Texas starts November 1, 2026 and runs through January 15, 2027 on HealthCare.gov.
What if I miss open enrollment in Texas?
Outside open enrollment you can usually sign up only after a qualifying life event, such as losing other coverage, moving or a change in your household. Call us and we can check whether your situation qualifies.
Does my Texas plan renew on its own?
Usually, yes, but the price, doctors and drug list can change. Review your renewal notice and update your income so your savings are right.
Talk through your Texas health coverage
Call 855-367-1095 and a licensed agent will go through your household, income and doctors with you before open enrollment ends.
- 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.