2027 Open Enrollment is open in Texas. Choose a plan by December 15, 2026, for coverage that starts January 1. 2027 Open Enrollment is open. Enroll by Dec 15 for Jan 1 coverage.

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2027 Open Enrollment: November 1, 2026 to January 15, 2027

Health Insurance Open Enrollment in Texas for 2027

Open Enrollment is your yearly chance to buy or change private health insurance in Texas. Choose a plan by December 15, 2026, and coverage can start January 1. From our Farmers Branch office, Wilkerson Insurance Agency helps individuals, families, self-employed workers, and small businesses across Texas compare their options.

  • 5 Stars | 55+ Google Reviews
  • Serving Texas since 2010
  • 2,000+ clients
  • Independent broker in Farmers Branch
2,000+
Clients Served
15+
Years of Experience
27
Licensed States

What Is Open Enrollment for Health Insurance?

Open Enrollment is the one period each year when you can buy an individual or family health plan, switch to a different plan, or change who is covered, without a qualifying life event such as a move, a new baby, or losing job-based coverage. Outside this period, most people who buy their own coverage must wait until the next year unless a life event applies to them.

During Open Enrollment, insurance companies must sell individual major medical plans to anyone who applies, according to the Texas Department of Insurance (TDI). A plan you choose now usually covers you through December 31, 2027. That makes this the right time to check that your doctors, prescriptions, and budget still match your coverage.

Open Enrollment applies mainly to people who buy their own insurance. Job-based group plans follow the employer's renewal date, and some products, such as short-term plans, follow their own rules. Each of these is explained below.

Licensed agent comparing health insurance plans side by side for Texas clients during Open Enrollment

2027 Open Enrollment Dates and Deadlines in Texas

Texas follows the federal Open Enrollment calendar, and these dates apply to private individual and family plans as well. Your start date depends on when you choose a plan.

When you enrollCoverage can startGood to know
Nov 1 to Dec 15, 2026January 1, 2027Best timing if your current plan ends December 31
Dec 16, 2026 to Jan 15, 2027February 1, 2027Open Enrollment closes January 15
After Jan 15, 2027Only after a qualifying life eventYou usually have 60 days from the event
Any month (small business group plans)A date set with the insurerGroup plans do not follow Open Enrollment

These dates come from HealthCare.gov and are current as of November 2026. A federal court vacated a 2025 rule that would have ended Open Enrollment on December 15, and an appeal is still pending, so we update this page if anything changes.

What We Help With

Our Open Enrollment Services

Each type of coverage has its own timing. Here is what each service includes and how Open Enrollment affects it.

Individual and Family Health Insurance

Private health coverage for Texans who buy their own plan, such as early retirees under 65, people between jobs, and families whose employers do not offer coverage. We compare plans from multiple insurers side by side, check whether your doctors and hospitals are in each network, and look up how your prescriptions are covered. We also estimate what each plan may cost over a full year, so you can weigh a lower premium against a higher deductible.

Health Insurance for Self-Employed Workers

Coverage for freelancers, independent contractors, gig workers, and solo business owners who have no employer plan to fall back on. We compare plans that balance the premium with the deductible and network you need, show which options are HSA-compatible, and check that the coverage fits where you live and work in Texas. Real estate professionals can also ask about our Competitive Edge Realty Health Plan.

Small Business Group Health Insurance

Health benefits for Texas businesses with 2 to 50 employees. We compare carriers and plan designs, help you decide how much your business will contribute toward premiums, explain participation rules before you apply, and walk your team through enrollment. At renewal, we check your renewal against other options, so you can compare before you accept a price increase.

Dental Insurance

Coverage for routine exams, cleanings, fillings, and major dental work, depending on the plan. We compare plans that balance the monthly premium with useful benefits, and we point out waiting periods, annual maximums, and dentist networks before you choose.

Vision Insurance

Coverage for eye exams, prescription glasses, and contact lenses. Plans differ in how often they pay for frames and lenses and which eye doctors are in network, so we compare those details along with the premium. Vision coverage is often paired with dental or health coverage.

HSA-Compatible Health Plans

High-deductible health plans paired with a health savings account (HSA), which lets you set aside tax-advantaged money for qualified medical costs. Unused HSA money carries over from year to year, so the balance can build over time. We help you check HSA eligibility and compare plans that qualify.

Open Enrollment timing

  • Individual and Family Health InsuranceThis is the coverage that depends most on the yearly window, so changes for 2027 need to happen before it closes.
  • Health Insurance for Self-Employed WorkersSelf-employed coverage is bought as an individual plan, so the same yearly window applies to you.
  • Small Business Group Health InsuranceGroup plans can usually start in any month, so you can set up or review benefits now without waiting for the individual window.
  • Dental InsuranceMany dental plans bought directly from an insurer can start outside Open Enrollment, depending on the plan, so you can add one with your health plan or on its own.
  • Vision InsuranceTiming depends on the plan and insurer, and we confirm it when we prepare your quote.
  • HSA-Compatible Health PlansAn individual HSA-compatible plan follows the yearly window, while a group HSA plan follows your employer's schedule.

Why Texans Choose Wilkerson for Open Enrollment Help

Open Enrollment leaves about ten weeks to make a decision that shapes a full year of care and costs. Our team has helped more than 2,000 clients make that decision with a licensed agent beside them.

  • Independent, not tied to one insurer. We work with major regional and national carriers, so we compare plans side by side instead of selling one company's products.
  • Health insurance is our focus. We specialize in health, dental, vision, and related coverage, not auto or home insurance.
  • Agents across Texas. Our office is in Farmers Branch, our agents are based across Dallas-Fort Worth and in Houston, and we help clients statewide by phone.
  • Healthcare experience. Several agents worked in pharmacy, dental hygiene, or medical billing before insurance, which helps when we review prescriptions, dental needs, and medical bills.
  • Help after you enroll. We stay available for questions, claims issues, and coverage changes during the year.
LeRoy Wilkerson, founder of Wilkerson Insurance Agency in Farmers Branch, TX

How a Coverage Review Works

01

Discovery call

We learn who needs coverage, your ZIP code, your doctors and prescriptions, your budget, and your preferred start date.

02

Side-by-side comparison

We compare plans from multiple carriers, including premiums, deductibles, networks, and drug coverage.

03

Review with an agent

You go over the options with a licensed agent and get answers in plain language.

04

Enrollment help

If you choose a plan, we help with the application and stay available all year.

5 Stars | 55+ Google Reviews

What Our Clients Say

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Chilia Martin profile picture
Chilia Martin
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I have worked with Leroy Wilkerson, on and off, for several years. He is a great resource for any health insurance I am in need of. He responds quickly, is cognizant of each person's needs and makes it easy for the consumer to understand the Health Insurance Market. I have been very pleased with his help over the past years.
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Monika Troester profile picture
Monika Troester
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Always a pleasure to speak with LeRoy. He had some fabulous options for me that improved my coverage and bettered my costs. I have given several people i know who are looking for coverage his information because he has done right by me time and time again. Thank you!
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Darren S profile picture
Darren S
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Leroy Wilkerson offers exceptional service and genuinely cares about helping clients. He is knowledgeable, professional and always fast to reply. Mr. WIlkerson found a policy that was able to meet my exact needs.
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John Fleming profile picture
John Fleming
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Leroy was super down to earth and easy to talk with. I give him an A+
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Rita Curtin profile picture
Rita Curtin
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LeRoy was amazing, asked what our needs were and sent over two plans with quotes and then set up a meeting to walk us through them. He explained the plan that we were interested in, and we did not feel rushed at all. He is amazing to work with and would highly recommend him.
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Rob Maupin profile picture
Rob Maupin
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My wife and I needed health insurance after a job change and Wilkerson Insurance Agency came fully to the rescue. They helped us find the plan we could afford that we really needed and they walked us through the entire process with kindness, patience and expertise. I am incredibly thankful that I found this agency and would recommend them very, very highly!
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Thorned profile picture
Thorned
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Highly recommend. Leroy is very efficient, knowledgeable and thorough. He helped me find affordable coverage to bridge the gap to Medicare. It was such a relief to have someone who I could trust to navigate the complex world of insurance. Looking forward to working with him to assist me with Medicare and supplement plans.
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robin whiteaker profile picture
robin whiteaker
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I had the pleasure of working with Leroy at Wilkerson Insurance Agency for personal health insurance when I retired early. He was friendly, professional, and very responsive. Thank you so much for your assistance in navigating options.
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Herb Ziev profile picture
Herb Ziev
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I contacted them for dental insurance and they were very responsive and helpful in providing me options and gave me good advice in choosing a policy. I highly recommend them for your health insurance needs
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Kathryn Gabbert profile picture
Kathryn Gabbert
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mr. Leroy is the best! He was so patient, helpful and never made me feel rushed or pressured. He took so much time to make sure we found the right plan for our family, and was transparent with me regarding all steps of the process! highly recommend if you need help with health insurance!

Ready to compare your 2027 options with a local, licensed agent?

Texas Health Insurance Challenges to Plan for in 2027

Texas has its own health insurance pressures, and they shape what you should check this Open Enrollment.

The highest uninsured rate in the country

U.S. Census Bureau data shows 16.7% of Texans had no health insurance in 2024, the highest rate of any state and about twice the national rate of 8.2%. Among working-age adults, the Texas rate was 21.6%.

Millions of Texans work for themselves

The U.S. Small Business Administration counts about 3 million Texas businesses with no employees, and many of those owners buy their own coverage.

Small businesses employ a large share of Texans

Texas small businesses employ about 5.1 million people, or 44.4% of the state's workers, according to the SBA.

Prices are rising

Final 2027 rate filings show Texas individual premiums rising an estimated 14.6% on average, with large differences between insurers.

Two insurers are leaving

Cigna is leaving the individual health insurance market, and Baylor Scott & White Health Plan is ending its individual plans after December 31, 2026.

Plan choices change by area

The insurers, networks, and prices available in Dallas-Fort Worth can differ from those in Houston, Tyler, or rural counties.

If your plan is renewing, compare the new premium, deductible, network, and drug list in your renewal letter before you accept it.

Not sure your 2027 renewal still fits?

Request a Coverage Review

Open Enrollment Rules for Individuals and Families Under 65

If you buy your own coverage, these rules decide what you can change and when.

What You Can Change During Open Enrollment

  • Choose a plan for the first time
  • Move to a different plan or insurer
  • Add a spouse or children to your plan
  • Change your plan level, deductible, or network

Private Health Plans Follow the Same Window

Many people think private health plans can be bought any time of year. For individual major medical plans, that is usually not true. Plans sold directly by insurers use the same Open Enrollment calendar as every other individual plan, whether you buy through a broker, a website, or the insurer itself. Our private health insurance guide explains how private plans work in Texas.

Network Types to Compare

The network decides which doctors and hospitals your plan covers at the lowest cost.

Health Maintenance Organization

Usually covers care only from in-network providers, except emergencies, and may require a referral to see a specialist.

Preferred Provider Organization

Lets you see out-of-network providers, usually at a higher cost.

Exclusive Provider Organization

Covers in-network care only, except emergencies, and often does not require referrals.

Our HMO vs PPO vs EPO guide compares them side by side.

Coverage You Can Buy Any Time of Year

Short-term plans and other products that are not major medical insurance can usually be bought during any month. They can exclude pre-existing conditions and do not have to cover every benefit a major medical plan covers. Read our short-term health insurance pros and cons before you choose one.

Open Enrollment Tips for Self-Employed Texans

If you work for yourself, the plan you choose in this window usually stays with you all year. Keep these points in mind:

Look at HSA-compatible plans

Since January 1, 2026, the IRS treats bronze and catastrophic plans as HSA-compatible. For 2027, you can contribute up to $4,500 for self-only coverage or $9,000 for family coverage to an HSA.

Ask about your deduction

Our self-employed health insurance deduction guide explains the basics, and a tax professional can confirm your situation.

Leaving a job to work for yourself?

Losing job-based coverage can open a special enrollment period, so you may not need to wait for the next Open Enrollment.

If you have hired employees, a small group plan may be another option. The next section explains how group timing works.

Small Business Group Health Insurance: Timing and Renewals

Group health insurance runs on its own calendar. According to TDI, a small employer has 2 to 50 employees and can buy coverage during any month of the year. A few TDI rules to plan around:

  • Most insurers require at least 75% of full-time employees to join. Employees with other health coverage do not count against you.
  • New employees must get at least 31 days to enroll.
  • Business owners can join the plan if at least one employee also enrolls.

If your business cannot meet a carrier's participation rules, there may be a once-a-year window late in the year when those rules are relaxed. Ask us about the current dates.

Employer costs keep climbing too. KFF's 2026 Employer Health Benefits Survey found average annual premiums of $9,804 for single coverage and $28,303 for family coverage, both up 5% from 2025. Our Texas group health insurance costs guide explains how group premiums are built.

Group Plan or Individual Plans for a Small Team?

Small teams can also compare a traditional group plan with an individual coverage HRA (ICHRA) or a level-funded plan. Dental and vision can often be added to group coverage as well. See our ICHRA vs traditional group guide and our level-funded plans guide.

Planning benefits for your team?

Request a Coverage Review

What May Affect Your 2027 Premium

For individual plans, your premium can depend on your age, ZIP code, tobacco use, and how many people you cover. The plan level and network you choose also change the price.

TermWhat it meansWhen you pay
PremiumMonthly cost to keep your planEvery month
DeductibleWhat you pay for covered care before the plan shares costsWhen you use care
CopayA set fee for a visit or prescriptionAt the visit or pharmacy
CoinsuranceYour share of a covered bill after the deductibleAfter the deductible
Out-of-pocket maximumYour yearly cap for covered in-network care, not counting premiumsCosts stop at this limit

Your actual price needs an estimated quote for your household and ZIP code. For typical ranges, see Texas health insurance costs and health insurance cost by age.

Your Open Enrollment Checklist

Documents to Have Ready

Questions to Ask Before You Choose

  • Are my doctors and hospitals in network for 2027?
  • Are my medications covered, and at what cost?
  • Could my yearly costs be higher than the monthly price suggests?
  • Will my coverage start on the date I need?

About Wilkerson Insurance Agency

Wilkerson Insurance Agency is an independent health insurance agency founded in 2010 by LeRoy Wilkerson. Our office is at 2727 LBJ Freeway, Suite 1062, in Farmers Branch, and we work with clients across Texas by phone or in person. We are licensed in 27 states, including Texas.

Our approach is education first. We explain how a policy works before you need to use it, so a claim or a doctor visit brings fewer surprises.

Texas family reviewing health insurance options with Wilkerson Insurance Agency
LeRoy Wilkerson, owner and agent at Wilkerson Insurance Agency

LeRoy Wilkerson

Owner and Agent

Founded the agency and leads its education-first approach to health insurance.

Kim Taylor, agent at Wilkerson Insurance Agency

Kim Taylor

Agent

More than 16 years in insurance, serving individuals, families, and groups in the health market.

Dr. Ndidi Dee Dee Ihim, agent at Wilkerson Insurance Agency

Dr. Ndidi "Dee Dee" Ihim

Agent

Licensed pharmacist with more than 10 years of healthcare experience.

Darlene Brown, agent at Wilkerson Insurance Agency

Darlene Brown

Agent

More than 20 years in healthcare, including 10 years owning a medical billing business.

Krystal King, agent at Wilkerson Insurance Agency

Krystal King

Agent

12 years as a dental hygienist before moving into health insurance.

Common Questions

Open Enrollment Questions We Hear Most

If you take no action, your current plan may renew automatically for 2027, sometimes with a new premium, deductible, network, or drug list. If your insurer is ending your plan, it may offer a similar plan, or you may need to choose a new one yourself. To make a change that starts January 1, choose your new plan by December 15. A short coverage review can show whether your renewal still fits your needs.

Read the discontinuation notice from your insurer carefully, because it explains your options and the key dates. Then compare 2027 plans early, so new coverage can start without a gap on January 1. Before you enroll, check that your doctors, hospitals, and prescriptions are covered by the new plan. A licensed agent can compare replacement plans from several insurers and handle the paperwork with you.

Usually yes, but only for a limited time after a qualifying event. Getting married lets you add a spouse, usually within 60 days of the wedding. If your spouse loses other coverage, such as a job-based plan, that can also qualify. Without one of these events, you would add your spouse during Open Enrollment. Our guide on sharing health insurance as a couple explains who can be covered on one plan.

Yes, choosing a plan is only the first step. Your coverage begins after you pay the first monthly premium to the insurance company by the due date it gives you. Watch for the first bill after you enroll, and set up automatic payments if your insurer offers them. If a bill does not arrive, contact the insurer or call us, so your start date is not delayed.

It depends on the new plan's network. Each insurer contracts with its own doctors and hospitals, and networks can change from year to year, even with the same insurer. Before you switch, we check whether your doctors, specialists, and preferred hospital are in network for 2027. If a doctor is out of network, an HMO or EPO plan may not cover that visit except in an emergency.

Usually only if you have a qualifying life event, such as losing other coverage, moving, or having or adopting a child. Without one, you would wait for the next Open Enrollment, unless you choose a product that is not major medical, such as a short-term plan. The federal calendar is on the HealthCare.gov dates and deadlines page, and our guide to coverage after Open Enrollment ends explains your options.

Brokers are paid a commission by the insurance company, not by you. Some products, such as short-term plans, may work differently, so ask your agent before you enroll. We tell you about any cost before you commit, and we compare plans from multiple insurers instead of steering you toward one company.

Areas We Serve

Helping Clients Across Texas From Farmers Branch

We serve individuals, families, and businesses statewide, and we quote every plan using your ZIP code.

See all of our service areas
Open Enrollment Help

Get Help Before the December 15 Deadline

You do not have to sort through Open Enrollment alone. Request a coverage review or call 214-501-9613, and a licensed agent will walk through your 2027 options with you.

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