Health insurance for Texans who buy their own.
We help Texans who buy their own health coverage, whether you just left a job, work for yourself, or retired before 65, compare marketplace plans and the other options sold in Texas.
Texas plans we compare
What’s different about health insurance in Texas.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Texas FAQ- Texas uses HealthCare.gov. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and you must choose by December 15 for a January 1 start.
- The extra federal tax credits ended after 2025, so help again stops at 400% of the poverty level and 2026 benchmark premiums rose about 35%.
- Texas has not expanded Medicaid. Adults without minor children generally cannot get Medicaid, and income below the poverty level means no marketplace tax credit either.
- If your employer was too small for COBRA, Texas continuation may let you keep group coverage for nine months, or six extra months after COBRA ends.
- Cigna and Baylor Scott & White are leaving the Texas marketplace after 2026, so their members need to pick a new plan for 2027.
- Texas Farm Bureau Health Plans and health sharing ministries are legal here, but neither is ACA insurance and both can limit coverage for health conditions.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Texas's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Texas, and what to use instead.
Learn moreWho sells plans in Texas
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Texas FAQ, or ask an agent at (888) 214-4898.
No. Texas uses the federal marketplace at HealthCare.gov. That is where you apply for premium tax credits and compare plans from the insurers selling in your county.
Open enrollment runs November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1. Outside that window you generally need a qualifying life event, such as losing job coverage.
No. The enhanced credits expired after 2025, and help reverted to the older rules, including the cutoff at 400% of the poverty level. The House passed an extension in January 2026, but it had not become law as of fall 2026.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Texas county, check your subsidy, and walk you through the options. No cost, no obligation.