Open enrollment is the time to review your health plan options and choose one that fits your needs and budget. Whether you're enrolling for the first time, renewing coverage, or comparing new plans, taking time to shop carefully can help you save money and avoid surprises later.
You can learn more in TDI’s Texas Insurance Podcast.
Use these tips when shopping for a health plan.
Health coverage
Depending on your situation, you may have several options for getting a health plan.
- Through an employer - Many people get a health plan through their employer. If your spouse's employer offers family coverage, you may also be able to enroll in that plan.
- Through a parent - If your parents have a health plan, you can stay on it until you turn 26.
- Through the individual marketplace - You can buy a health plan directly from an insurance company or through HealthCare.gov. The annual open enrollment period runs from November 1, 2026 through January 15, 2027.
Health plan shopping
A little comparison can help you find the best fit.
- Compare your options - Plans can change each year. Check costs, benefits, and coverage before renewing.
- Think about your healthcare needs - Make sure the plan covers the treatments and services you use most, and understand the cost-sharing you will pay, both for planned care and unexpected visits for urgent care or emergencies.
- Check your doctors and prescriptions - Confirm that your doctors, hospitals, and medications are covered. Health plans can change coverage from year to year, so be sure to take this step even if you're considering a health plan you’ve had before.
- Balance premiums and benefits - Plans with lower monthly premiums might offer fewer benefits and come with higher out-of-pocket costs, such as deductibles, copays, and coinsurance.
Whether you need help comparing plans, understanding benefits, or finding consumer resources, the Texas Department of Insurance (TDI) is here to help. Call our Help Line at 800-252-3439 Monday through Friday from 8 a.m. to 5 p.m. Central time.
