What’s New in 2026

A federal program that offered enhanced subsidies to lower premiums for ACA plans is currently set to expire. These enhanced subsidies have lowered monthly premiums for millions of Americans covered by a Marketplace plan—and helped control rising costs for others. Without the enhanced subsidies, costs will increase for all our members covered by an ACA Marketplace plan—regardless if they received a subsidy or not.

No. This is a federal policy change. Baylor Scott & White Health Plan did not make this decision. We remain committed to keeping care as affordable as possible.

No, you won't automatically lose coverage. Many people will still have coverage options through the ACA Marketplace and other programs. Premiums may be higher, so it's important to review your options during Open Enrollment. We can help you explore what's available.

That depends on which plan you choose. During Open Enrollment, we'll help you check which plans include your doctors, hospitals and medications.

You'll receive updated information during the 2026 Open Enrollment period, which begins in November. At that time, you'll be able to compare plans and see what your new costs could be.

We understand this may be challenging. We offer enrollment support to guide you through available options. We also recommend members contact FindHelp.org to identify community organizations that may help.

Open Enrollment for 2026 coverage runs from Nov. 1, 2025, to Jan. 15, 2026.

• If you enroll by Dec. 15, 2025, your coverage starts Jan. 1, 2026.
• If you enroll between Dec. 16, 2025, and Jan. 15, 2026, your coverage starts Feb. 1, 2026.

You can preview and compare plans and prices anytime using the "Browse plans & costs" tool on HealthCare.gov. Just enter your ZIP code and some household income information to get estimated premiums.

• Additionally, the Texas Department of Insurance provides plan cost and coverage data through its health plan comparison tools, though enrollment must still happen through HealthCare.gov.
• We also offer a plan comparison tool and enrollment support through our website.

Healthcare.gov offers online resources and connects you with certified "Navigators" or application assisters who provide free, in-person or virtual help with shopping and enrolling.

• Our website also offers tools and resources to help you explore your options.
• If you're already a Baylor Scott & White Health Plan member, you can use your MyBSWHealth portal for tools like cost estimators and provider directories.
  • If you purchased your plan through us (off Exchange), you can call 800.321.7947.
  • If you purchased your plan through the Marketplace (on Exchange) at Healthcare.gov, call 855.572.7238.
• Additional assistance can be found at cms.gov/marketplace/in-person-assisters/outreach-education/already-enrolled.

We're committed to supporting patients and members with clear information, personalized help and affordable care options. Our goal is to make sure you stay connected to your care, your doctors and your prescriptions.

Baylor Scott & White Health Plan is part of the Baylor Scott & White family and we can help facilitate care with their doctors and at their facilities. We understand medical bills can feel overwhelming and your Baylor Scott & White provider may be able to help. As a health system, Baylor Scott & White can offer financial assistance for emergency care and other medically necessary services for their patients.

Who May Qualify

• If your household income is at or below 200% of the Federal Poverty Guidelines, you may qualify for a full discount on your bill.
• If your household income is between 200% and 500% of the guidelines and your medical bills are more than 5% of your yearly income, you may qualify for a reduction.

How to Apply

• Speak with a financial counselor at any Baylor Scott & White location.
  • North Texas (Dallas-Fort Worth): 800.725.0024
  • Central Texas (Austin, Waco, etc.): 800.994.0371
• Complete a confidential application in person, by phone, by mail or online through the [BSW Financial Assistance website].

If you don't qualify for full assistance: Uninsured patients and those with certain non-covered services may still receive a 40% discount on final billed charges (not including copays or deductibles).

You do not need to cancel your procedure. If your insurance changes, we will work with you to understand what coverage you have and what your out-of-pocket costs may be. Our goal is to make sure your care is not disrupted.

In some cases, it may be possible to schedule your procedure earlier. Your provider can help you evaluate the medical and financial considerations.

Your care matters most. Even if your coverage changes, we will work with you to continue your treatment safely and explore financial assistance options if needed. Please speak with your care team so we can support you.

No, your appointments are not automatically canceled. If your coverage changes, contact your provider to discuss your care options.