Disclaimer: We do not offer every plan available in your area. Currently we represent [Aetna, BCBS-TX, HealthSpring, Humana, United] organizations which offer [NUMBER OF PLANS] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
To Purchase Individual Health Insurance,
Enrollment Runs From
November 1 -December 15
2027
Individual & Family Health Insurance:
Annual Enrollment Period: November 1 – December 15, 2026
The Annual Open Enrollment Period is the annual opportunity to review current coverage and Update your Marketplace applications, Household Income and to make changes for the upcoming plan year. Changes made during this period generally take effect January 1, 2027. The exception is if you enroll after December 15th, a deadline to secure 2027 coverage is Jan 15th for a Feb 1st effective date.
Federal financial assistance rules have changed.
Your 2027 health insurance premiums and coverage options may be different.
Benefit Writers is here to help you with reviewing your coverage.
Schedule your review by clicking this button.
Enrollment Dates:
- Opens: November 1, 2026
- Closes: December 15, 2026
- Coverage effective: January 1, 2027
These dates reflect the finalized federal Marketplace enrollment schedule.
Important Changes for your 2027 ACA Health Insurance
The Affordable Care Act Marketplace has undergone changes that may affect your monthly premiums, financial assistance, and coverage options.
- Enhanced Federal Subsidies Have Expired
The temporary enhanced premium tax credits expired after 2025. Depending on household income and family size, some individuals and families may receive less financial assistance.
Households with income above 400% of the Federal Poverty Level generally no longer qualify for premium tax credits.
- Household Income Estimates Are More Important Than Ever
Beginning with the 2026 tax year, the previous repayment limits for excess advance premium tax credits have been eliminated.
Consumers who receive more financial assistance than they ultimately qualify for may be required to repay the full excess amount when filing their federal income tax returns.
- Your 2027 Insurance Plan May Change
Insurance companies may change their premiums, deductibles, out-of-pocket maximums, prescription coverage, provider networks, and available plan options.
2027 ACA Premium Tax Credit Household Income Table for Texas, based on the official 2026 Federal Poverty Guidelines.
This is the table I recommend putting on the Benefit Writers website to replace the outdated one.
2027 ACA Premium Tax Credit Income Guidelines
Texas • 2027 Coverage Year • Annual Household Modified Adjusted Gross Income (MAGI)
| Household size | 100% FPL | 150% FPL | 200% FPL | 250% FPL | 400% FPL |
|---|---|---|---|---|---|
| 1 | $15,960 | $23,940 | $31,920 | $39,900 | $63,840 |
| 2 | $21,640 | $32,460 | $43,280 | $54,100 | $86,560 |
| 3 | $27,320 | $40,980 | $54,640 | $68,300 | $109,280 |
| 4 | $33,000 | $49,500 | $66,000 | $82,500 | $132,000 |
| 5 | $38,680 | $58,020 | $77,360 | $96,700 | $154,720 |
| 6 | $44,360 | $66,540 | $88,720 | $110,900 | $177,440 |
| 7 | $50,040 | $75,060 | $100,080 | $125,100 | $200,160 |
| 8 | $55,720 | $83,580 | $111,440 | $139,300 | $222,880 |
Based on the official HHS 2026 poverty guidelines, which apply to 2027 Marketplace premium tax credit calculations.
- Review Your Coverage Before Automatically Renewing
Benefit Writers encourages all existing Marketplace clients to review their coverage for 2027 to determine whether their current plan continues to meet their healthcare and financial needs.
Why Have Benefit Writers Review Your 2027 Coverage?
Your health insurance needs may have changed, and your current plan may not be your most suitable option.
Benefit Writers can help you:
- Review available 2027 insurance plans.
- Estimate eligibility for federal premium tax credits.
- Compare monthly premiums and deductibles.
- Review maximum out-of-pocket expenses.
- Check provider networks and prescription drug coverage.
- Understand important Marketplace enrollment requirements.
Don't automatically renew without reviewing your options!
Diane Eller, CBA, SGS
Principle/President
Diane Eller Insurance Agency PLLC
TDI Agency License: 2309649
Agency NPN: 18827690
Agent TDI License: 1076022
Agent NPN: 4572716
diane@benefitwriters.com
(214) 771-3011 x 402
(214) 260-1280 FAX
FM#benefitwriters
Marina LeBlanc
Benefits Expert
TDI License: 1621331
NPN:11733069
marina@benefitwriters.com
(214) 771-3011 x 404
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Diane Eller, CBA, SGS
Benefit Writers
214-771-3011 ext. 402
diane@benefitwriters.com