The number of Texans enrolled in Affordable Care Act (ACA) health care plans has reached an all-time high for the year 2026, according to newly released data. As of January 12, 2026, the total enrollment in Texas stands at 4,113,465, reflecting an increase of nearly 150,000 enrollees compared to the previous year. This surge occurs despite a national trend showing an overall decline in ACA enrollments.
National Context and Enrollment Trends
While Texas experiences this significant growth, the nation as a whole has seen a decrease in ACA sign-ups. The Centers for Medicare & Medicaid Services (CMS) reported that approximately 800,000 fewer Americans enrolled in ACA plans at the start of 2026, marking a 3.5 percent drop from the previous year. Factors contributing to this decline include rising costs linked to the expiration of federal subsidies, which have deterred both new sign-ups and renewals for existing plans.
The enrollment period for ACA plans continues until January 15 for states utilizing Healthcare.gov, while states with their own exchanges concluded their sign-ups by December 27. The decline in participation reflects challenges in affordability as consumers face increased premiums.
Texas Initiatives and Future Projections
Despite the national decrease, Texas may maintain its ACA affordability due to proactive state legislation. A report from Texas 2036 highlights the potential impact of Senate Bill 1296, which was enacted in 2021. This law enables Texas residents to benefit from federal subsidies more effectively than individuals in states without similar regulations.
The nonprofit organization emphasizes that approximately 3.1 million Texans enrolled in ACA plans qualify for at least one $0-premium plan this year. This opportunity is particularly important for those earning at or below 200 percent of the federal poverty level, equating to around $30,000 for an individual and $60,000 for a family of four.
The increase in ACA enrollment in Texas reflects not only the state’s legislative efforts but also the ongoing need for accessible healthcare options amid shifting national policies. As the enrollment deadline approaches, Texas remains an outlier, showcasing resilience in the face of broader trends affecting the ACA landscape across the United States.
Information for this article is sourced from the Centers for Medicare & Medicaid Services, Texas 2036, and prior reporting by FOX Local.
