How to Get Affordable Health Insurance in Texas (Even if You're Losing Medicaid)

How to Get Affordable Health Insurance in Texas

If you're searching for affordable health insurance in Texas, you're not alone. With rising medical costs and many Texans no longer qualifying for Medicaid, it's important to understand your options.

The good news? You may qualify for a $0/month ACA plan through the Health Insurance Marketplace. This guide will walk you through everything you need to know to get covered.

1. Who Qualifies for Marketplace Health Insurance in Texas?

You may be eligible for ACA (Affordable Care Act) coverage if:

• You're a U.S. citizen or legal resident

• You live in Texas

• You're not eligible for affordable job-based coverage or Medicaid

• Your income falls within qualifying limits

Texas Income Guidelines (2025):

For example, a single adult making between $15,000–$58,000 per year may qualify for significant savings. A family of four earning under $120,000 may also qualify for low-cost or $0 premiums.

2. How to Apply for ACA Health Insurance in Texas

Applying is easier than you think:

1. Estimate your annual household income

2. Enter your zip code and household size

3. Compare plans online

4. Choose a plan that fits your needs and budget

5. Enroll directly through a trusted partner like Aura Insure

Need help? Aura Insure can walk you through it — no spammy calls or pressure.

3. Special Enrollment: Losing Medicaid or Job-Based Coverage in Texas

If you’ve lost Medicaid or job-based health insurance, you may qualify for a Special Enrollment Period (SEP). You have 60 days from the date your coverage ends to enroll in a new plan.

Qualifying events include:

• Losing Medicaid

• Losing job-based coverage

• Moving to Texas

• Marriage or divorce

• Having a baby

Don’t wait — coverage starts the 1st of the following month once you enroll.

4. What Health Plans Are Available in Texas?

Top ACA insurance companies in Texas include:

• Ambetter (Superior Health Plan)

• Blue Cross Blue Shield of Texas

• Molina Healthcare

• UnitedHealthcare

• Cigna

All plans include essential health benefits like doctor visits, emergency care, prescriptions, and preventive screenings.

5. How Much Does Health Insurance Cost in Texas?

Your monthly premium depends on your:

• Zip code

• Household size

• Annual income

Many Texans qualify for $0/month premiums and plans with low deductibles. Preventive care is often free.

6. Get Help from a Texas Health Insurance Expert

Choosing the right plan can feel overwhelming — especially if you're applying for the first time or switching from Medicaid. At Aura Insure, we make it simple. Our platform is fast, easy, and made for Texans.

Whether you're in Houston, Dallas, San Antonio, Austin, or a rural Texas town, we can help you get covered.

Ready to Get Covered?

Check your eligibility and compare plans today. Most Texans qualify for subsidies — and some plans start at $0/month.

👉 Shop Texas Health Plans Now