Compare the most affordable ACA marketplace and private health insurance plans in Texas. Real 2026 premiums, top carriers, and a Texas-licensed agent — free.
We are not a Texas state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Texas has the largest ACA marketplace in the country — roughly 3.9 million people selected a plan in the most recent Open Enrollment, and about 93% of them qualified for a premium tax credit. If you've been putting off coverage because you assume it's unaffordable, that number is worth a second look: after subsidies, a large share of Texans pay little or nothing for a Silver plan.
Because Texas has not expanded Medicaid, the marketplace does a lot of heavy lifting here, and the subsidy math is more generous than many people expect. Premiums also vary widely between metros — a plan in Houston or Dallas can price very differently than the same carrier in Austin or the Rio Grande Valley — so where you live inside Texas matters as much as your income.
We're licensed in Texas and quote the major carriers here every day. Below you'll find how plans work in the state, the metros we cover, and the plan types and situations we help with most.
Texas uses the federal marketplace, HealthCare.gov.
Texas has not expanded Medicaid, which creates a coverage gap for some very low-income adults — but it also means marketplace subsidies are especially important here, and many Texans who assume they can't afford coverage actually qualify for a large premium tax credit.
These companies offer individual and family health plans in Texas. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
For most Texans the cheapest real coverage is a subsidized ACA marketplace plan — after the premium tax credit, many qualify for a Silver plan at little or no monthly cost after the credit, while others pay full price. The lowest sticker-price option is usually a Bronze plan, but if your income qualifies you for cost-sharing reductions, a Silver plan is often the better value because it lowers your deductible too. We compare both for your specific ZIP and income.
No. Texas uses the federal marketplace at HealthCare.gov rather than running a state-based exchange. You can enroll in those same marketplace plans through a licensed agent at no extra cost, and also see private off-marketplace plans that HealthCare.gov doesn't list.
Open Enrollment for ACA plans typically runs from November 1 to January 15. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, a new baby — to open a 60-day Special Enrollment Period. Short-term plans can be purchased any time of year.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.