Texas 2026 Health Insurance Premiums: What to Do Before Prices Jump

Texas • Premium Watch

Texas 2026 Health Insurance Premiums: What to Do Before Prices Jump

Fast take: Texas marketplace insurers have filed for notable premium increases for 2026. Costs are being driven by higher medical prices, utilization, and pricey drugs. If enhanced federal subsidies expire after 2025, some households could see larger net costs. Here’s how to prepare—and options to compare now.

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What’s behind the increase?

• Medical inflation & utilization: Providers and hospitals are charging more, and people are using more care.
• High‑cost drugs: GLP‑1 medications and other specialty drugs are materially affecting trend.
• Policy uncertainty: If enhanced ACA subsidies end after 2025, net premiums may rise for many families.

Moves to consider now

1) Audit your plan type

Check whether your current plan fits your usage. If you travel or work across state lines, a nationwide PPO may offer better access and predictable costs on the road.

2) Time your enrollment

Open Enrollment later this year sets your 2026 price. We can compare multiple options side‑by‑side—including marketplace plans and other eligible choices—so you don’t overpay.

3) Consider private PPO with medical underwriting

For healthy individuals and families, private, medically underwritten PPO options can offer lower premiums than unsubsidized ACA plans, broad nationwide PPO access, and predictable day‑to‑day costs. Eligibility depends on underwriting; we’ll pre‑screen quickly and confirm network access so you know if it’s a fit.

4) Rx strategy

Know your drug tiering and prior auth rules. When appropriate, ask about generics, patient assistance, or discount programs to lower out‑of‑pocket costs.

How RKA helps Texans

• Plan matching: We compare options from major carriers and traveler‑friendly PPOs.
• Cost projection: We estimate your annual cost with premiums + likely usage so you choose confidently.
• Fast enrollment: We can place coverage quickly and help you avoid gaps.

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Quick FAQs

Will 2026 marketplace prices impact my plan right away?

They typically apply starting January 1, 2026. The choices you make during Open Enrollment later this year will determine your 2026 costs.

Are there alternatives if I’m healthy and want lower premiums?

Depending on eligibility, some households may consider different plan structures. We’ll walk you through options that fit your needs and travel patterns.

Can RKA verify if my doctors are in‑network?

Yes—send us the names and we’ll confirm network status and expected costs before you enroll.

For education only; benefits and eligibility vary by carrier and state. Always review official plan documents.