Open Enrollment Tips

Do you have long-term prescriptions? Are there dependents that will be covered by your plan? Understanding your budget and the level of care you need is important to picking your right plan.

Know which plan to shop for. Check each plan's network to find out if your preferred doctors are covered. If you want more flexibility, POS plans may be a better fit.

• Subsidy, or premium tax credit: a credit that could help lower your monthly bill
• Dependent: A spouse, partner or child who you're able to cover by your plan
• Premium: The monthly amount owed to keep your coverage active
• Deductible: The amount you pay before your plan begins to cover costs
• Copay and coinsurance: The percentage (like 20%) or dollar amount (like $25) owed for care costs
• Out-of-pocket maximum: The most you pay for covered care in a year. After that, your plan pays 100%.

Check our Help Center for more information about common health care costs.

Our Provider Finder^® tool lets you find in-network doctors specific to your Zip code and care type. Search as a guest to explore doctors and hospitals covered by BCBSTX plan options or, if you're a BCBSTX member, log in for more personalized search results. Plan options include:

POS (Point of Service): Combines features of HMO and PPO plans and may offer some flexibility to receive care outside your network.

HMO: Uses a defined network of doctors and hospitals and generally requires you to receive care within that network.

Want to talk with a health plan specialist about your health plan options? Have questions about enrolling? Give us a call at 1-800-531-4456, we're here to help.

Based on your income and family size, you might qualify for a premium tax credit, also known as a subsidy, to get financial help. You could pay less each month without changing your level of health care coverage.

It's important to check if you qualify for premium tax credit savings every year. While premium tax credits are still available in 2027, your eligibility and the amount you save every month may change.

When enrolling in 2027 coverage and checking if you qualify for savings, it may be helpful to have documents showing proof of your 2026 income handy, like pay stubs, W2 or other tax forms.