Coverage for you and your family.
Most Texas and Oklahoma families buy through HealthCare.gov. The plan you pick, and the income you report, decide what you pay all year. We make both decisions with you.
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.
What we look at before we recommend anything.
- Your doctors
Are they in the network?
HMO, EPO and PPO plans work differently in Texas and Oklahoma. We check your doctors, hospitals and clinics before you choose.
- Your prescriptions
Are they on the drug list, and at what tier?
A cheaper plan that covers your medication poorly usually costs more by spring.
- Your income
What will you qualify for?
Premium tax credits and cost-sharing reductions are both based on your estimated household income for the year.
- How you use care
Which metal level fits?
Bronze keeps premiums low and pairs with an HSA from 2026. Silver can carry extra savings at lower incomes. Gold and platinum cost more each month and less when you need care.
Savings for 2027, in dollars.
Cost-sharing reductions only come on silver plans, and only up to 250% of the poverty level. Premium tax credits generally stop above 400% now that the enhanced credits have expired.
| Household | Extra silver savings up to | Tax credits generally end above |
|---|---|---|
| 1 person | $39,900 | $63,840 |
| 2 people | $54,100 | $86,560 |
| 3 people | $68,300 | $109,280 |
| 4 people | $82,500 | $132,000 |
| 5 people | $96,700 | $154,720 |
When you can enroll.
- Open Enrollment
November 1, 2026 to January 15, 2027
Pick a plan by December 15, 2026 for coverage on January 1.
- Special Enrollment
Within 60 days of a life change
Losing other coverage, moving, marriage, a new baby and some income changes can open a window outside Open Enrollment.
- Medicaid and CHIP
Any time of year
If your income is low enough, you can apply for Medicaid or CHIP whenever you need it.
- Tribal members
Once a month, all year
Enrolled members of federally recognized tribes can enroll or switch monthly.
Go deeper on 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.
- Tax creditsACA income limits for 2027: the poverty level chart, in dollars.
- Tax creditsCost-sharing reductions: when a silver plan beats bronze in 2027.
- EnrollmentSpecial Enrollment Periods: how to get health insurance outside Open Enrollment.
- Choosing a planBronze, silver or gold: how to pick a metal level for 2027.
Common questions.
All questions →What are cost-sharing reductions?
Cost-sharing reductions are extra savings that lower your deductible, copays, and out-of-pocket maximum, and you only get them on a silver plan. For 2027, they apply to household income from 100% to 250% of the poverty level (up to $39,900 for one person or $82,500 for a family of four). Depending on income, a silver plan is upgraded to cover about 94%, 87%, or 73% of typical costs, with out-of-pocket maximums as low as $4,000 for one person.
Sources. healthcare.gov, ecfr.gov, cms.gov
What happens if my income changes during the year?
Report it to the Marketplace as soon as you can so your advance credit can be adjusted. The credit is reconciled on your federal tax return, and starting with 2026 tax years there is no longer any cap on paying back excess advance credits: if you received more than you qualified for, you repay the full difference. If your income drops, reporting it may raise your credit or make you eligible for Medicaid or cost-sharing reductions.
Sources. healthcare.gov, congress.gov
How do I make sure my doctors and prescriptions are covered?
Check each plan's provider directory and drug list (formulary) before you enroll, and confirm with your doctor's office that they take that specific plan, not just the insurance company. Networks can differ between plans from the same insurer, and they can change from one year to the next. Bring us a list of your doctors, hospitals, and medications, and we will check every plan you are considering against it.
Sources. healthcare.gov, healthcare.gov
What is the difference between an HMO, EPO, and PPO?
An HMO usually covers care only from its network, except emergencies, and often requires a primary care doctor's referral to see a specialist. An EPO also covers only in-network care, except emergencies, but typically does not require referrals. A PPO covers out-of-network care too, at a higher cost. In short, an HMO generally costs less in exchange for a tighter network and referrals, and a PPO costs more for the flexibility. In Texas and Oklahoma, the plan types available vary by county and insurer, so we show you exactly which networks are offered in your ZIP code.
Sources. healthcare.gov, healthcare.gov, healthcare.gov, healthcare.gov