ACA health insurance in Texas
ACA health insurance in Houston, TX: open enrollment for 2027
Open enrollment for 2027 begins November 1. Where Houston residents shop for a plan, what the county and state lines mean for you, and how to get help choosing.
Get help choosing a plan in Houston
Call 855-367-1095. A licensed agent will go through your household, your income and your doctors with you.
Health insurance in Houston
Texas uses the federal HealthCare.gov marketplace, so Houston residents shop there.
Houston has a large and varied insurance market, and the plans, prices and networks you see depend on your county and ZIP code.
Houston is in Harris County, Texas. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
Texas has not adopted the standard Medicaid expansion, and some adults with low incomes can fall into a coverage gap.
County and state lines near Houston
Harris County borders Fort Bend, Montgomery, Brazoria and Galveston counties, and many people live in one and work or get care in another.
Check the networks
Marketplace plans have their own networks, and they differ from one plan to the next. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- Houston Methodist
- Memorial Hermann
- Baylor St. Luke's Medical Center
- MD Anderson Cancer Center
- Harris Health System
The dates
Open enrollment for 2027 coverage begins November 1, 2026. Plans and prices for 2027 can differ from this year, and after open enrollment you can usually enroll only with a qualifying life event.
ACA questions in Houston
Where do I shop for an ACA plan in Houston?
Texas uses the federal HealthCare.gov marketplace, so Houston residents shop there.
Do county or state lines near Houston change my options?
Harris County borders Fort Bend, Montgomery, Brazoria and Galveston counties, and many people live in one and work or get care in another.
I live in Fort Bend County but work in Harris County. Which county counts?
The county where you live is what decides which plans you can buy. Where you work matters for convenience, such as which doctors are close, but not for plan eligibility.
More for Houston
Ready to look at your options?
Call 855-367-1095 before open enrollment gets busy. There is no charge to review your options.
- 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.