Texas open enrollment 2027 Open enrollment · Texas

Texas Open Enrollment 2027 for Marketplace Renewals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people renewing a Marketplace plan in Texas, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. Before you let the renewal go through, know that a private, medically underwritten plan is another option: if approved, it can start the first of any month.

What 2027 looks like for you

Texas's average 2027 rate change is 13.1% to 14.1% (finalized). Two insurers are leaving Texas's individual market, so some renewals arrive as a plan you did not pick. The details are on the Texas 2027 premium increase page.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Texas this year

About 15 insurers filed Texas Marketplace rates for 2027, and the approved average increases came to roughly 13.1 to 14.1 percent, with only minor changes from the filings. Big-metro plans are mostly HMOs with narrow networks, so the question I hear most is whether a client's doctors will still be in. Energy contractors from Midland to the Gulf, Austin software contractors, Laredo freight drivers and ranching families above the subsidy line now pay the full premium; for a couple, that line is $86,560. Texans renew through HealthCare.gov. Plans chosen December 16 through January 15, 2027, begin February 1.

One thing to do before you choose

Make a short list of the doctors, hospital and prescriptions you used in 2026, then check every one in the exact 2027 plan on your renewal. In a nine-insurer market, another HMO or EPO may carry the same doctors at a different price, so search at least two alternatives. If you are healthy, above the line and want a PPO that is not tied to one system, I can quote a private medically underwritten plan; it is not an ACA Marketplace plan and depends on approval.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

Compare Texas plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Texas. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Texas?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I work oilfield rotations in the Permian and live in San Antonio. Which network do I need?

One that covers you at home, where most of your routine care happens, plus an honest look at what the plan pays out of area during rotations. Many Texas HMOs cover routine care only locally. Compare plans by that rule, and if you are healthy, add a private PPO quote with a national network. Approval depends on health answers.

Can I get a private plan in Texas after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Texas

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Texas and 30 other states, NPN 21032307. Last updated November 3, 2026.