Texas Marketplace Health Coverage

Could your health plan be $0/month?

Marketplace savings may make $0 monthly premium plans available to some eligible Texans. See plans available in your area and check your estimated savings online.

Check Plans & Savings → Get Agent Help
✓ Takes only a few minutes ✓ No obligation to enroll ✓ Licensed help available
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Outside Open Enrollment, you generally need a qualifying life event to enroll. See common qualifying life events.
How $0 Premium Plans Work

Marketplace savings can lower what you pay each month.

A premium tax credit may reduce the monthly premium for eligible households. In some cases, that reduction can bring the premium of an available plan down to $0.

1

Enter your information

The Marketplace uses information about your household, estimated income and eligibility circumstances.

2

Savings are calculated

If you're eligible for premium tax credits, those savings can reduce your monthly plan premium.

3

Compare your actual options

You'll be able to see the plans and premiums actually available based on your information.

What Determines Your Savings?

Income is important — but it isn't the only factor.

There isn't one income number that guarantees a $0 premium plan.

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Household Income Your estimated annual household income affects Marketplace savings.
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Household Size The people in your tax household can affect eligibility and savings.
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Where You Live Plan prices and available insurance companies vary by location.
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Eligibility Other coverage offers and Marketplace rules can affect eligibility for savings.
The Fastest Way to Know

Check your actual plans and savings.

Instead of trying to estimate your premium from a chart, enter your household information and see the Marketplace options available to you.

Check My Plans & Savings → Ask Cooper Health
$0 monthly premium does not mean $0 health care costs.
Important to Know

Look beyond the monthly premium.

Even when a health plan has a $0 monthly premium, you may still have costs when you use health care. Compare the entire plan before choosing coverage.

✓ Deductibles may apply
✓ Copays may apply
✓ Coinsurance may apply
✓ Provider networks differ by plan
✓ Prescription coverage can differ
Common Questions

Before you check your options.

Is a $0 premium guaranteed?

No. $0 premium plans are only available when your eligibility, savings and available plan prices result in a $0 monthly premium.

Can income affect my premium?

Yes. Estimated household income is one of the main factors used when determining eligibility for Marketplace savings.

Can I enroll right now?

During Open Enrollment, eligible consumers can enroll without a qualifying life event. Outside Open Enrollment, a Special Enrollment Period generally requires a qualifying life event.

What if I get confused during the application?

You can use Cooper Health's application guide or contact a licensed agent for assistance.

Ready to Check?

See whether a $0 premium plan may be available.

Check Marketplace plans and estimated savings using your actual household information.

Check Plans & Savings → Application Help

$0 premium plans are not guaranteed. Eligibility, premiums, premium tax credits, plan availability and other savings vary based on household information, location, available plans and Marketplace eligibility rules.