How to Enroll in ACA Health Insurance as an Uninsured Texan in 2024

If you’re a Texan who has been uninsured for over two years and want to sign up for ACA health insurance in 2024, there are a few things you need to know.

1. The Open Enrollment Period

The Open Enrollment Period (OEP) for ACA health insurance is from November 1st to January 15th each year. During this time, anyone can enroll in an ACA plan, regardless of their income or health status.

2. Special Enrollment Periods (SEPs)

If you miss the OEP, you may still be able to enroll in an ACA plan during a Special Enrollment Period (SEP). SEPs are available for people who have experienced certain life events, such as losing job-based health insurance, getting married, or having a baby.

3. The Foreign Move SEP

In your case, you may be eligible for the Foreign Move SEP. This SEP allows you to enroll in an ACA plan if you have moved to the US from a foreign country within the past 60 days.

4. Your Income

To qualify for an ACA plan, you must have a household income that is between 138% and 400% of the federal poverty level (FPL). If your income is below 138% of the FPL, you may be eligible for Medicaid. If your income is above 400% of the FPL, you will not be eligible for an ACA plan.

5. Getting Help

If you need help enrolling in an ACA plan, you can get free assistance from a licensed insurance agent or broker. Agents and brokers can help you find a plan that meets your needs and budget, and they can help you enroll in the plan.


Enrolling in ACA health insurance can be a complex process, but getting help from a licensed insurance agent or broker can make the process easier. If you are an uninsured Texan, I encourage you to contact an agent or broker today to learn more about your options.

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