Affordable Care Act (ACA) plans — sometimes called Obamacare — are health insurance plans sold through the Health Insurance Marketplace at HealthCare.gov. In Texas, open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Every Marketplace plan covers essential health benefits such as preventive care, emergency services and prescription drugs, and many households qualify for a premium tax credit that lowers the monthly cost.
2027 open enrollment dates
| Date | What happens |
|---|---|
| November 1, 2026 | Open enrollment starts on HealthCare.gov |
| December 15, 2026 | Last day to enroll or change plans for coverage that starts January 1, 2027 |
| January 15, 2027 | Open enrollment ends; plans chosen December 16 – January 15 start February 1 |
Outside open enrollment, you can enroll only if you qualify for a Special Enrollment Period after a life event such as losing other health coverage, moving, getting married or having a baby. Medicaid and CHIP applications are accepted any time of year.
What every Marketplace plan covers
- Preventive care and checkups
- Emergency services and hospital care
- Prescription drugs
- Maternity and newborn care
- Mental health and substance use services
- Pediatric services, including children's dental and vision
Plans can't turn you down or charge you more because of a pre-existing condition.
Lowering your monthly premium
Depending on your household income and size, you may qualify for a premium tax credit that lowers your monthly premium, and some people also qualify for lower deductibles and copays on Silver plans. We help you estimate your income accurately so your savings are right and you avoid surprises at tax time.
How EE Health Services helps
Navigating the Marketplace can be overwhelming. Our experienced agents compare plan premiums, deductibles, networks and drug coverage with you, explain your savings options and help you complete your enrollment — in English or Spanish.
Questions about ACA Marketplace plans
When can I sign up for an ACA plan in Texas?
For 2027 coverage, open enrollment on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1. Outside open enrollment you need a qualifying life event for a Special Enrollment Period.
Can I get help paying for an ACA plan?
Many households qualify for a premium tax credit based on income and household size. We help you check what you may qualify for when you apply.
Will an ACA plan cover my pre-existing condition?
Yes. Marketplace plans can't refuse to cover you or charge you more because of a pre-existing health condition.
I'm turning 65. Should I keep my Marketplace plan?
Usually not. When you become eligible for Medicare, you generally lose eligibility for Marketplace savings. We can help you time your move to Medicare so you don't have a gap in coverage.
Disclaimer: This page has not been reviewed or endorsed by HealthCare.gov or any member of the U.S. Department of Health & Human Services (HHS). Plan availability, premiums and savings vary by household and county.
Last reviewed: November 2026