Obamacare (ACA) guide for El Paso, TX: 2027 coverage

El Paso is a binational border city where many families are Spanish-speaking, some members work across the border, and many jobs do not include health benefits. This guide explains how Obamacare works for El Paso residents in 2027.

Who shops Obamacare in El Paso

Marketplace plans are for people and families without affordable employer coverage. In this area we often hear from:

  • Spanish-speaking families comparing plans for the first time
  • Workers in retail, healthcare support and logistics
  • Mixed-status households asking who can apply
  • Self-employed and small-business owners

Mixed-status households

Family members who are not eligible can still help a household apply for eligible members, and they are not asked about their own status. Only people applying for coverage must provide immigration information.

2027 Open Enrollment dates

Texas uses the federal Marketplace at HealthCare.gov. Open Enrollment for 2027 begins November 1, 2026; enroll by December 15 so coverage can start January 1, 2027, and confirm the final deadline on HealthCare.gov. After that you need a qualifying life event, such as losing coverage, marriage, a new baby or a move.

How premium tax credits work

A premium tax credit lowers what you pay each month and depends on your estimated 2027 household income, household size and the federal rules in effect. Amounts changed after 2025, so do not rely on old estimates. Silver plans can lower deductibles for certain incomes. The Marketplace decides eligibility; we do not promise savings.

  • Have an estimate of 2027 household income ready
  • Check that your doctors and pharmacy are in network
  • Compare full-year cost, not just the premium
  • Some children and families may qualify for Medicaid or CHIP

How enrollment works

  • Call 346-888-0811 or schedule a consultation
  • Gather estimated income, household ages and your doctors
  • We compare Marketplace plans for your county
  • You decide and enroll with our help

Frequently asked questions

  • Does Obamacare cover care in Ciudad Juárez? Marketplace plans generally cover routine care in the U.S. network. Emergency care abroad varies by plan, so check before you rely on it.
  • Does RGI Group have an office in El Paso? No. Our only office is in Austin. El Paso residents are served by phone or video, in English or Spanish.
  • Does agent help cost anything? There is no charge for our consultation. Plan prices are the same with or without an agent.

Compare Obamacare plans in El Paso

Talk with a bilingual licensed Texas agent at 346-888-0811.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.