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Texas Department of Insurance

October 28, 2025

Billing protections with HealthCare.gov plans

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It’s that time of year when people are looking at their health plans. Open enrollment to buy a plan on HealthCare.gov starts on November 1 and ends January 15.

If you buy a plan from HealthCare.gov, you don’t have to pay more than your deductible, copay, or coinsurance for:

  • Care from in-network doctors and hospitals.
  • An out-of-network doctor when you didn’t have a choice, such as the radiologist who reviewed your X-ray.
  • Emergency care.
  • Ambulance trips.

Learn more