⭐ Texas · ACA Plans

ACA Plans
in Texas

Compare the coverage levels of the Texas Marketplace. Find the plan that fits your family and budget.

Plans can start from low cost or $0 depending on your income, eligibility and ZIP code in Texas.

Obamacare ACA plans Texas – Marseguros USA plan comparison in Spanish

Notice: Marseguros USA is an independent agency. Plans, prices and subsidies vary by income, ZIP code, insurer and availability in your Texas county.

ACA Coverage Levels in Texas

The federal Marketplace offers 4 coverage levels. Each one balances the monthly cost (premium) against what you pay when you use the insurance.

Plan Bronze

Monthly premium: Lower

Deductible: Higher

Covers 60% of medical costs on average.

Young, healthy people who rarely use medical services.

Plan Silver

Monthly premium: Moderate

Deductible: Moderate

Covers 70% of medical costs on average.

Families with income between 100%-250% of the federal poverty level. They may qualify for additional reductions (CSR).

Plan Gold

Monthly premium: High

Deductible: Low

Covers 80% of medical costs on average.

People who use medical services frequently or have chronic conditions.

Plan Platinum

Monthly premium: Higher

Deductible: Very low

Covers 90% of medical costs on average.

Those who need constant medical care and want minimal out-of-pocket costs.

Obamacare ACA subsidy table Texas – eligible income levels

Guidance table. Subsidies subject to availability and individual eligibility.

Subsidies

How much subsidy can you receive in Texas?

The table shows approximate income levels that may qualify for ACA subsidies in Texas. Since Texas did not expand Medicaid, many residents are eligible for federal Marketplace subsidies.

This table is for guidance only. Eligibility and the subsidy amount are determined when you get a quote from a certified agent.

Check my eligibility for free

Frequently Asked Questions

Which ACA plans are available in Texas?

In Texas the federal Marketplace (HealthCare.gov) offers Bronze, Silver and Gold plans from multiple insurers. Texas has a wide variety of insurers that vary by county. Our agents can show you all the options available in your area.

Why didn't Texas expand Medicaid and how does it affect me?

Texas is one of the states that did not expand Medicaid, which means adults without children and with very low income can fall into a 'coverage gap'. If your income is above the Marketplace minimum, you may qualify for ACA subsidies. Our agents determine your specific situation.

What is the Silver plan with CSR in Texas?

Cost-Sharing Reductions (CSR) are additional discounts available ONLY on Silver plans for families with income between 100%-250% of the federal poverty level. In Texas, choosing Silver instead of Bronze can result in greater real coverage at the same cost or less.

When can I enroll in an ACA plan in Texas?

Open Enrollment generally runs from November 1 to January 15. If you have a qualifying life event (loss of coverage, marriage, birth, move to Texas), you can enroll at any time of the year during a Special Enrollment Period.

Compare ACA plans in Texas for free

Our CMS-certified agents analyze all the options available in your Texas ZIP code.

Talk to an agent now (305) 988-2372

ACA Plansin Texas