Texans who purchase their own coverage can begin shopping for 2027 coverage a week from today, and many will see higher sticker prices when they do.
Open enrollment for plans sold through HealthCare.gov, the marketplace Texas uses, runs from Sunday, Nov. 1, through Jan. 15, according to healthinsurance.org, a consumer guide that tracks the individual market.
Proposed rates
In an update dated Oct. 19, healthinsurance.org reported that insurers selling individual plans in Texas proposed a weighted average increase of 13.1% for 2027, based on filings posted to the federal rate review website. Texas was listed as proposed rather than final, and the site said its Texas estimate was only partly weighted because not every insurer's filing included enrollment numbers.
The median proposed increase across states was about 15%.
Insurers whose Texas filings it drew on include Blue Cross and Blue Shield of Texas, CHRISTUS, Oscar, UnitedHealthcare, Wellpoint, Sendero, Community First, Community Health Choice and Moda. The site put total Texas marketplace enrollment at about 3.28 million people.
Those figures describe full-price premiums. Healthinsurance.org noted that 87% of marketplace enrollees nationwide got premium subsidies as 2026 began, and that subsidies grow when the price of the benchmark silver plan grows, so many enrollees will be partly or fully shielded. People who get no subsidy, including anyone buying a plan outside the marketplace, absorb the full increase.
