Texas open enrollment 2027 Open enrollment · Texas

Texas Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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.

The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Texas is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Texas this year

Texas has about 15 insurers on the Marketplace for 2027 and final average increases of 13.1% to 14.1%, approved in early November. Many of the plans in Houston, Dallas and San Antonio are HMOs with narrow networks. For households over the subsidy line, that means paying full price for a network that may leave out your doctors. The Texans I work with in this group include Permian Basin and Houston energy consultants, Austin tech contractors, Dallas–Fort Worth business owners and real estate brokers, and ranching families. Enrollment goes through HealthCare.gov. Pick by December 15 for January 1, and by January 15, 2027 at the outside.

One thing to do before you choose

In a big Texas metro, start with the network rather than the premium. If you're in Houston and want a particular medical center, or in Austin with a specialist you trust, confirm the full-price plan you're weighing includes them. HMOs usually expect you to stay in network. Then compare a private plan priced on age, ZIP code and health. Private plans are medically underwritten, so approval depends on your answers, they aren't ACA Marketplace plans, and benefits vary by plan.

Your checklist

How far above the line your 2027 household income will land
The full-price Texas premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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'm a single Permian consultant making $250,000. Is there any reason to use HealthCare.gov?

Yes, one big one: Marketplace plans accept you regardless of health. At $250,000 you're nearly four times the $63,840 line, so you'd pay full price, but if your health history would make private underwriting difficult, that acceptance matters. If you're healthy, a private plan priced on health is worth comparing.

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.