Open Enrollment in Texas: What You Need to Know for 2025 and 2026

As we approach the end of the year, it’s time for Texans to start thinking about health insurance coverage for 2026. Open enrollment is the annual window when individuals can sign up for, renew or change their health insurance plans through the Affordable Care Act (ACA) Marketplace. Whether you’re enrolling for the first time or reviewing your current plan, understanding the timeline and upcoming changes is key to making informed decisions.

2025–2026 Open Enrollment Dates

For coverage starting in 2026, the open enrollment period begins November 1, 2025, and runs through January 15, 2026. This provides a 75-day window to explore options and enroll in a plan that meets your needs. The date coverage becomes effective depends on the enrollment date:

• Enroll by December 15, 2025, for coverage that starts January 1, 2026.
• Enroll between December 16 and January 15, 2026, for coverage that starts February 1, 2026.

Shorter Enrollment Window Coming in 2026

The federal government has announced a shorter open enrollment period for 2027 coverage. Starting November 1, 2026, the window will close on December 15, 2026, reducing the enrollment period to 45 days.

This change is part of a broader effort to streamline the enrollment process and align with other federal deadlines.

A shorter enrollment period means less time to:

• Compare plans and premiums
• Gather necessary documents
• Consult with insurance agents or navigators
• Make changes to existing coverage

For many consumers, especially those with complex health needs or fluctuating financial situations, this compressed timeline may make it more challenging to find the right coverage. That’s why it’s more important than ever to plan ahead and start early.

How to Prepare

Here are a few tips to get ready for open enrollment:

• Review the current plan. Confirm that your doctors are still in-network. Review your potential health care needs, including prescriptions.
• Update your household information. Changes to income, dependents and address can impact your eligibility and subsidies.
• Set reminders. Mark key dates on your calendar to avoid missing deadlines.
• Talk to your agent. We’re here to help you navigate your options and find the best plan for your situation.

We’re Here to Help

At Insurance Solutions USA, we recognize that health insurance can be complex, particularly with shifting deadlines and evolving coverage options. Our team is ready to guide you through the open enrollment process and answer any questions you may have.

Don’t wait until the last minute. Contact us today to schedule your open enrollment review and secure your 2026 health insurance coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.