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  • Insure Texas

    Resources to help apply for or renew marketplace covereage.

From Nov. 1 to Dec. 15, uninsured Texans can purchase affordable health insurance for calendar year 2018. Depending on your income, you may qualify for a tax credit to reduce the cost of the monthly premium.

Visit www.healthcare.gov to:

 Browse insurance plans and pricing specific to your geographic area.
 Calculate your estimated monthly payment and sign up for coverage.

Certain information may not be available yet so check back periodically for updates.

Apply for or renew your marketplace coverage by visiting HealthCare.gov or by calling the Marketplace Call Center at 800/318-2596.

What Are My Insurance Options?

Texas consumers have eight insurance plan choices:

1. AmBetter (Celtic)
2. Blue Cross Blue Shield of Texas
3. CHRISTUS Health
4. Community Health Choice
5. FirstCare (SHA)
6. IdealCARE (Sendero)
7. Molina
8. Oscar

(not all plans are available in all areas)

Need Help With Your Health Insurance Application?

Visit www.getcoveredamerica.org to find appointments with local application assisters.

Your Guide to Getting Affordable Health Insurance for 2018

Download: Your Guide to Getting Affordable Health Insurance for 2018

Help Spread the Word

Visit the Communications Toolkit page for shareable video ads, web ads and posters to promote enrollment in the health insurance marketplace.

Important Tips for Purchasing Health Coverage Through the Marketplace

Health insurance through the marketplace is affordable.
83 percent of Texans who purchased health insurance through the marketplace last year received tax credits to reduce the monthly premium cost. Although the average unsubsidized premium in the Texas marketplace is $404/month, the average after-subsidy premium is just $130/month.

Think about how you want to save.
Tax credits make any health plan (bronze, silver, gold, and platinum) through the marketplace cheaper, if you qualify.

Shop strategically.
Don’t miss an opportunity to save more. Your income may qualify you for extra savings or “cost-sharing reductions,” but you can only get them through a plan in the silver category. These extra savings will reduce the amount you pay out of your own pocket each time you get medical services.

Plan to shop for health insurance Monday through Saturday.
Healthcare.gov will be closed for maintenance from 12 a.m. to 12 p.m. ET on every Sunday of the enrollment period except Dec. 10.

Consult your checklist.
Gather the information on the checklist to ensure a smoother and faster application process.

How Subsidy Cuts Really Affect Consumers

The White House recently announced it will cut subsidies that help insurance companies offer cheaper plans through the marketplace. Here’s what that really means for consumers.

  • People with incomes under 400 percent of the Federal Poverty Limit still can get tax credits to reduce the cost of monthly premiums.
  • Coverage is still available through the marketplace.
  • Open enrollment still is Nov. 1 to Dec. 15.
  • People with incomes under 250 percent of the federal poverty limit no longer will receive subsidies to reduce their out-of-pocket costs. Individuals are strongly encouraged to carefully research available plan options and ask questions about potential cost sharing obligations.

Open Enrollment Period Extended for Texans Affected by Hurricane Harvey

If your home is in a disaster area designated by the Federal Emergency Management Agency, you can enroll in the health insurance marketplace through Dec. 31. Find out if your home is in a FEMA-designated area here.

Wondering What to Do Now That You Have Health Insurance?

Visit the Centers for Medicare & Medicaid Services’ From Coverage to Care resource to learn how to maximize your health coverage and connect with primary care and preventative services.