Find Affordable Coverage in Texas
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Texas ACA Marketplace Overview
In 2026, approximately 1,100,000 Texas residents are enrolled in ACA Marketplace coverage. Texas uses the federal exchange, Healthcare.gov for health insurance enrollment.
Texas has not expanded Medicaid under the ACA. Adults in the coverage gap (earning too much for Medicaid but too little for Marketplace subsidies) may have limited options.
How Much Does ACA Coverage Cost in Texas?
The benchmark Silver plan (second-lowest-cost Silver plan) in Texas costs approximately $408/month before subsidies in 2026. However, most Texas residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Texas households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Texas household income.
Top ACA Health Insurance Companies in Texas
The following carriers offer ACA Marketplace plans in Texas for 2026:
- Blue Cross Blue Shield
- Ambetter
- Oscar Health
- Molina
Plan availability varies by county in Texas. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Texas
- Bronze: Lowest premiums, highest deductibles. Best for healthy Texas residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Texas households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Texas residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Texas counties.
When to Enroll in Texas
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Texas Insurance Resources
- Healthcare.gov — Official Texas enrollment portal
- Texas Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit