TX · State

Medical Bills & Health Insurance Help in Texas

Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to Texas — HealthCare.gov, the federal marketplace Texas uses, Texas Medicaid, and the state rules that shape charity care and appeals — alongside our free tools.

Coverage and enrollment in Texas

Marketplace

HealthCare.gov

Texas uses HealthCare.gov, the federal ACA marketplace. Premium tax credits and cost-sharing reductions are available to residents who qualify.

Open enrollment: Nov 1, 2025 – Jan 15, 2026

Visit HealthCare.gov

Medicaid & Medicare help

Texas Medicaid

1-800-335-8957

Free Medicare counseling (SHIP): 1-800-252-9240

Texas Medicaid website

Texas agencies

Texas Medicaid
Texas DSHS

Bill protection rules

Texas Health & Safety Code Chapter 311 (Indigent Care)

Free care is commonly available up to about 200% of the federal poverty level, with sliding-scale discounts up to roughly 400%. Denial appeals are often due within 30 days.

Citation you can quote in a letter: Tex. Health & Safety Code §311.0456

Free help and complaint channels in Texas

Texas Department of Insurance Consumer Help
1-800-252-3439
Website
Texas Health & Human Services Ombudsman
1-866-566-8989
Website

Tools you can use on a Texas bill

Bill SummarizerPaste or upload a bill and get a plain-language breakdown of every line.Appeal Letter BuilderDraft a denial appeal that cites the rules that apply to you.Financial Aid CalculatorEstimate whether you qualify for hospital charity care or a discount.Provider FinderSearch the federal NPI registry for clinicians near you.Compare Insurance PlansSee how carriers available in your area stack up.How to Read an EOBUnderstand what your insurer actually paid — and what you owe.

Not sure where to start?

Answer three short questions and we will point you to the right step for your situation in Texas.

Start here How to appeal a medical bill