Texas

​Health insurance in Texas is vital for protecting individuals and families from high medical costs. Coverage options include employer-sponsored plans, individual policies through the federal Health Insurance Marketplace, and government programs like Medicaid and Medicare.​ Despite these options, Texas has the highest uninsured rate in the U.S., with nearly 19% of residents lacking coverage as of 2022. Notably, almost 12% of children in the state were uninsured in 2023, often due to enrollment barriers in programs like Medicaid and the Children’s Health Insurance Program (CHIP) .

The state has not expanded Medicaid under the Affordable Care Act, leaving approximately 770,000 adults in a coverage gap—they earn too much to qualify for Medicaid but not enough to afford private insurance . However, many Texans may be eligible for subsidized plans through the Marketplace, with enrollment periods typically running through mid-January .