TheWoodlandsTXHealthInsurance.com

As we approach the 2026 plan year, one of the biggest questions in individual and family health insurance is what will happen to Advance Premium Tax Credits (APTCs)—the subsidies that lower monthly premiums for millions of Marketplace enrollees.

As November 1st and the beginning of the Annual Open Enrollment season are upon us, Texans have until December 15th to select a health insurance plan with an effective date of January 1. Insurance companies and providers are coming and going.