Straight answers on health coverage.
The 2027 rules for Texas and Oklahoma, written plainly and checked against CMS and IRS sources. Read the guide, or let a licensed advisor run your numbers for free.
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Enrollment.
2027 Open Enrollment in Texas and Oklahoma: dates, deadlines and what changed.
2027 Open Enrollment runs November 1, 2026 to January 15, 2027 on HealthCare.gov. The January 1 deadline, what changed, and what to do if you miss it.
Updated September 23, 2026
Special Enrollment Periods: how to get health insurance outside Open Enrollment.
Missed Open Enrollment? A qualifying life event opens a 60-day Special Enrollment Period. What counts in 2026 and 2027, and when coverage starts.
Updated September 23, 2026
Tax credits.
The ACA subsidy cliff is back: what it costs Texas and Oklahoma families in 2026 and 2027.
ACA tax credits stop at 400% of the poverty level again. Real HealthCare.gov numbers show $1,000 more income can cost a Texas couple $22,524 a year.
Updated September 23, 2026
ACA income limits for 2027: the poverty level chart, in dollars.
2027 ACA income limits by household size: 100%, 138%, 150%, 200%, 250%, 300% and 400% of the poverty level in dollars, and what each line unlocks.
Updated September 23, 2026
Cost-sharing reductions: when a silver plan beats bronze in 2027.
Cost-sharing reductions cut deductibles on silver plans up to 250% of the poverty level. 2027 income bands, reduced maximums, and when silver beats bronze.
Updated September 23, 2026
Do you have to pay back the premium tax credit? The 2026 no-cap rule, explained.
From tax year 2026 there is no cap on repaying extra premium tax credit. A real example, over and underestimating income, and how to avoid a bill.
Updated September 23, 2026
Choosing a plan.
Bronze, silver or gold: how to pick a metal level for 2027.
What bronze, silver, gold and platinum mean on HealthCare.gov, how premiums and deductibles trade off, and how to pick a metal level for 2027.
Updated September 23, 2026
Catastrophic health insurance: who qualifies in 2027 and when it makes sense.
Catastrophic plans are for people under 30 or with a hardship exemption. What they cover, why tax credits can't be used, and when bronze is better.
Updated September 23, 2026
Texas and Oklahoma.
The Texas health insurance marketplace for 2027: how HealthCare.gov works in Texas.
Texas uses HealthCare.gov for Obamacare plans. 2027 dates, who gets savings, insurers in each metro, why there are no PPOs, and the coverage gap.
Updated September 23, 2026
The best health insurance in Texas for 2027: how to compare insurers in your county.
No single insurer is best in Texas. Every 2026 Marketplace insurer in Austin, San Antonio, Dallas, Fort Worth and Houston, with plan types and stars.
Updated September 23, 2026
The Oklahoma health insurance marketplace for 2027: plans, insurers and SoonerCare.
Oklahomans still enroll on HealthCare.gov for 2027. Insurers and PPOs in Oklahoma City and Tulsa, SoonerCare to 138%, and options for tribal members.
Updated September 23, 2026
Medicaid.
Texas Medicaid income limits for 2026, and what to do if you earn too much.
Texas Medicaid and CHIP income limits for 2026 by household size, why most Texas adults don't qualify, and the Marketplace options that fill the gap.
Updated September 23, 2026
SoonerCare income limits for 2026: Oklahoma Medicaid by household size.
SoonerCare income limits for 2026: adults up to 138% of the poverty level, children and pregnancy about 210%, in monthly dollars, plus 2027 work rules.
Updated September 23, 2026
Life stages.
Health insurance for early retirees in Texas and Oklahoma, before Medicare at 65.
Retiring before 65 in Texas or Oklahoma? How COBRA, HealthCare.gov plans and tax credits work for early retirees, and why the cliff hits hardest at 60.
Updated September 23, 2026
Health insurance for the self-employed in Texas and Oklahoma.
How self-employed people in Texas and Oklahoma buy health insurance: HealthCare.gov plans, estimating net income, and the self-employed deduction.
Updated September 23, 2026
Small business.
ICHRA (now the CHOICE Arrangement): how it works for Texas and Oklahoma employers in 2027.
An ICHRA, now called a CHOICE Arrangement, lets any size employer reimburse individual health plans tax-free. 2027 affordability, classes and notices.
Updated September 23, 2026
QSEHRA for small businesses: 2026 limits, rules and how it compares.
A QSEHRA lets employers under 50 with no group plan reimburse health costs tax-free, up to $6,450 self-only or $13,100 family in 2026. The rules.
Updated September 23, 2026
ICHRA vs QSEHRA: which health reimbursement arrangement fits your business?
ICHRA vs QSEHRA side by side: employer size, contribution caps, employee classes, tax credit rules, and which one fits your business.
Updated September 23, 2026
Small business health insurance in Texas and Oklahoma: group plans, ICHRA and tax credits.
Small business health insurance in Texas and Oklahoma: group plans, ICHRA, QSEHRA and the Small Business Health Care Tax Credit, compared.
Updated September 23, 2026
Supplemental coverage.
Hospital indemnity insurance: what it pays, what it costs, and who needs it.
Hospital indemnity insurance pays you cash for a hospital admission or each day you stay. How it pairs with a high deductible, and what to check.
Updated September 23, 2026
Accident insurance: what it covers and when it is worth having.
Accident insurance pays set cash benefits for injuries like fractures, ER visits and ambulance rides. What it covers, who it fits, and what to check.
Updated September 23, 2026
Critical illness insurance: how the lump sum works and what it covers.
Critical illness insurance pays a lump sum when you're diagnosed with a covered condition like a heart attack, stroke or cancer. How it works.
Updated September 23, 2026
Cancer insurance: how specified disease policies work, and how they differ from critical illness.
Cancer insurance is a specified disease policy that pays cash after a covered diagnosis or treatment. How it works and how it differs from critical illness.
Updated September 23, 2026
Dental and vision insurance in Texas and Oklahoma: stand-alone plans vs Marketplace dental.
Dental and vision insurance in Texas and Oklahoma: stand-alone plans vs Marketplace dental, children's dental, waiting periods and annual maximums.
Updated September 23, 2026