🇺🇸 CMS Certified Agents · Free Consultation · English & Spanish · Florida & Texas

Back to the blog
Guides by stateOctober 8, 20265 min read

How to apply for Obamacare in Texas? Step-by-step guide

How to apply for Marketplace health insurance in Texas, what to keep in mind about Medicaid and what to prepare before comparing plans.

Hispanic family in Texas talking about their Obamacare health insurance

Where you apply in Texas

Texas also uses the federal Marketplace, so the official application is made at HealthCare.gov. A certified agent can support you in Spanish throughout the process, with no additional cost in the plan price.

Step by step

  • Have your ZIP code, each person's age and an estimate of the year's income on hand.
  • Complete the application in the Marketplace with your whole household's information.
  • Review the results: based on your information, the Marketplace indicates whether you can receive help with the premium or may qualify for other programs.
  • Compare plans in your county, taking into account the premium, deductible, copays and your medical network.
  • Choose your plan and confirm your enrollment.

Texas and Medicaid

Texas has not expanded Medicaid. This means some people with low incomes may not qualify for Medicaid or for help in the Marketplace. The rules depend on your income and your situation, so it's worth reviewing your case before deciding.

Every case is different. We explain which options may apply to your household.

Tips for living in Texas

  • Options vary by county: Harris, Dallas, Bexar and others may have different plans.
  • If you work for yourself, carefully estimate your annual net income.
  • Confirm whether your doctors and medications are covered by the plan you choose.
See Obamacare in Texas

Notice: This article is informational and does not constitute legal or tax advice. Eligibility, plan availability and subsidies depend on your information, your state of residence and current Marketplace rules. Marseguros USA is not a government agency.

Blog

Keep reading

More guides about Obamacare, subsidies and enrollment periods.