Licensed health insurance agency · Texas and Oklahoma
Health insurance from people who have needed it.
The rigor of a big agency with the attention of a small one. We compare your 2027 options, apply every savings you qualify for, and stay your advisor all year.
Who do you need coverage for?
- Licensed insurance agencyTexas license 3449979. Verify
- $0 to work with usAgents are paid by the insurer. Your premium is the same.
- Real advisors, not a call centerA licensed advisor from first call to renewal.
- Your information stays privateWe never sell your data.
How can we help?
Pick a path and you are two minutes from real options.
Individuals and families.
HealthCare.gov plans with every tax credit and savings applied.
Tribal members.
$0 deductible protections and monthly enrollment, through our EnrollNative service.
The rigor of a big agency. The attention of a small one.
- Licensed and verifiable
- Texas agency license 3449979, NPN 22110493. Look us up with the Texas Department of Insurance before you ever talk to us.
- Every savings applied
- Premium tax credits, silver-plan cost-sharing reductions and tribal protections are checked on every household, every time.
- One advisor, all year
- The person who enrolls you is the person you call about a claim, a new job or next year's renewal.
- Straight answers
- Plain-language answers with sources, reviewed for 2027. We will tell you when you should buy less.
What changed for 2027.
The rules moved a lot this year. Here is what matters for Texas and Oklahoma households.
Reviewed September 22, 2026. Sources: HealthCare.gov, CMS, IRS Rev. Proc. 2026-26.
See what applies to me- Open Enrollment
November 1 to January 15, 2027
Enroll by December 15 for January 1 coverage.
- Premium tax credits
The 400% cliff is back
Enhanced credits expired after 2025. Above 400% of poverty level, credits generally stop.
- Repaying credits
No repayment cap
If income comes in higher than estimated, you may owe back the full difference.
- Out-of-pocket maximum
$12,000 per person
Silver cost-sharing reductions can cut it sharply for eligible incomes.
How it works.
- 1
Answer a few questions
Two minutes, mostly taps. We get an early read on your savings.
- 2
Talk with your advisor
We compare premium, deductible, network and drug coverage for the plans we can offer in your county.
- 3
Enroll and relax
We handle the paperwork and stay on call for claims, changes and renewals.
Common questions.
All 35 answers →When is Open Enrollment for 2027 health insurance in Texas and Oklahoma?
Open Enrollment for 2027 coverage on HealthCare.gov runs from November 1, 2026 through January 15, 2027, and both Texas and Oklahoma use HealthCare.gov. Pick a plan by December 15 for coverage that starts January 1; plans chosen from December 16 through January 15 start February 1. A 2025 federal rule would have shortened this window, but after a June 2026 court ruling CMS confirmed the traditional dates for this season.
Sources. cms.gov, healthcare.gov, cms.gov
Did the enhanced ACA subsidies expire? What is the 400% cliff?
Yes. The enhanced premium tax credits that capped costs for higher earners expired at the end of 2025, and as of September 2026 Congress has not enacted an extension. That brings back the 400% "cliff": for 2027 coverage, households above 400% of the poverty level, about $63,840 for one person or $132,000 for a family of four, generally get no premium tax credit at all. If your income is close to that line, careful income planning can make a large difference.
Sources. irs.gov, aspe.hhs.gov
How much does it cost to use RedHealth Advisors?
Nothing. You do not pay us to compare or enroll in coverage. Like other licensed agents and brokers, we are paid commissions by insurance companies when you enroll, and HealthCare.gov confirms you will not pay anything additional by enrolling with an agent or broker. Your premium for a Marketplace plan is the same whether you enroll with us, on your own, or with a navigator.
Source. healthcare.gov
What does a health insurance broker do?
A licensed health insurance broker helps you compare plans, estimate your savings, check doctors and prescriptions, and enroll, then stays available when you have questions, need to report changes, or renew. Navigators also give free, unbiased enrollment help; a broker can go further and recommend specific plans. Both are trained and registered with the Marketplace every year, and neither one charges you. What you get from a broker is a licensed person who can compare the options with you and say which one they would pick.
Sources. healthcare.gov, healthcare.gov
Guides for 2027.
All guides →- Enrollment2027 Open Enrollment in Texas and Oklahoma: dates, deadlines and what changed.
- Tax creditsThe ACA subsidy cliff is back: what it costs Texas and Oklahoma families in 2026 and 2027.
- Texas and OklahomaThe best health insurance in Texas for 2027: how to compare insurers in your county.
- Texas and OklahomaThe Oklahoma health insurance marketplace for 2027: plans, insurers and SoonerCare.
- Small businessICHRA (now the CHOICE Arrangement): how it works for Texas and Oklahoma employers in 2027.
- Supplemental coverageHospital indemnity insurance: what it pays, what it costs, and who needs it.
Ready when you are. It is free, and it takes about two minutes.
Who do you need coverage for?