What is Baylor Scott & White Health Plan changing for 2027?
Baylor Scott & White Health Plan (BSWHP) says it notified regulators of its intent to stop selling Individual Marketplace plans after December 31, 2026. Your current coverage stays in place for now.
| Topic | What BSWHP says |
|---|---|
| Individual Marketplace plans | BSWHP notified regulators of its intent to discontinue them after December 31, 2026 |
| Current coverage | Nothing changes today, and coverage remains in place through the end of your enrollment period |
| Baylor Scott & White hospitals and clinics | Baylor Scott & White will continue to accept marketplace insurance plans |
| Employer groups and Medicare Advantage | BSWHP will continue to serve them |
BSWHP says it will message affected members after regulatory approval. Healthinsurance.org reports that BSWHP and Cigna are the two Texas marketplace insurers leaving for 2027 and that Antidote Health Plan is joining, which leaves 15 insurers. We did not find a public count of BSWHP members in Travis County.
Which Austin hospitals list which marketplace plans?
Baylor Scott & White Health Central Texas and St. David's HealthCare list different marketplace plans. A plan a hospital does not name is not named, which is different from out of network, so ask before you enroll.
| Plan company | Baylor Scott & White Health Central Texas | St. David's HealthCare |
|---|---|---|
| Baylor Scott & White Health Plan | BSW Elite Gold, BSW Prime Silver, BSW Savers Bronze and BSW Vital Bronze, sold on and off the exchange. The plan leaves the marketplace after 2026 | Not named |
| Blue Cross and Blue Shield of Texas | Blue Advantage and Blue Advantage Plus | Marked Health Insurance Exchange |
| Ambetter | Not named | Ambetter and Ambetter Value, marked Health Insurance Exchange |
| Moda | Not named | Marked Health Insurance Exchange |
| Oscar | Not named | Marked Health Insurance Exchange, EPO |
| Sendero | Not named | Marked Health Insurance Exchange |
| UnitedHealthcare | Not named | Commercial, Medicaid and Medicare plans named, none marked Exchange |
We checked the insurance information for five St. David's hospitals in the Austin area (Medical Center, North Austin, South Austin, Round Rock and Georgetown), and all five name the same exchange plans. St. David's says the plans it accepts change frequently, so check with the hospital and the plan.
We did not find a published list of marketplace plans from Ascension Seton, so call Ascension Seton and the plan before you rely on it. A company can sell several plans with different networks, so look up the exact plan name in the plan's own directory.
How much are Texas marketplace rates rising for 2027?
Healthinsurance.org reports an average proposed increase of about 13.1% for Texas before any subsidies, and the range by insurer is wide. These are proposed rates, so final numbers can differ.
- Sendero31.1%
- Moda25.3%
- Superior Health Plan (Ambetter)11.1%
- Oscar9.6%
- Blue Cross Blue Shield of Texas8.9%
- Celtic (Ambetter)1.3%
Source: Healthinsurance.org, from RateReview.HealthCare.gov and Texas SERFF
Ambetter appears twice because Healthinsurance.org lists one Ambetter from Celtic and one from Superior Health Plan. Ask which one sells the plan you are looking at.
Why do so many Travis County marketplace enrollees pay so little?
Texas requires insurers to load silver plan prices, which pushes up the tax credit and makes bronze and gold plans cheaper. Travis County residents picked bronze plans far more often than Texas as a whole.
| Measure | Travis County | Texas |
|---|---|---|
| People who picked a plan | 184,355 | 4,172,233 |
| Received a premium tax credit | 88.1% | 92.9% |
| Paid $10 a month or less after credits | 45.5% | 49.5% |
| Picked a bronze plan | 55.9% | 29.8% |
| Picked a silver plan | 14.1% | 26.6% |
| Picked a gold plan | 30.0% | 41.3% |
- Before credits
- After credits
- Travis CountyBefore credits: $625After credits: $130
- TexasBefore credits: $709After credits: $89
Source: CMS 2026 Marketplace Open Enrollment Period public use files
A low premium is only part of the cost, since bronze plans have higher deductibles. Read how bronze, silver and gold plans compare and use the health plan comparison calculator to see what each could cost over a year. These are 2026 numbers, and your 2027 price depends on your income, your household and the plans sold where you live.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15, 2026 for coverage that starts January 1.
Who lives in Austin and how many are uninsured?
| Measure | Austin | Travis County |
|---|---|---|
| Residents | 1,002,632 | 1,389,670 |
| Age 65 or older | 10.4% | 11.6% |
| Age 5 and older who speak a language other than English at home | 30.3% | 30.0% |
| People under 65 with no health insurance | 13.6% | 14.6% |
What can I do if my hospital or doctor is not on my plan's list?
Check before you enroll, because a plan's network can change from one year to the next.
- Look up your doctors and your hospital in the exact 2027 directory of each plan you are considering, not only under the company name.
- Ask your hospital which marketplace plans it contracts with for 2027. St. David's gives no date, and Baylor Scott & White Health dates its list July 22, 2026.
- Compare the yearly cost of two plans with our health plan comparison calculator.
- If you have a BSWHP plan, expect a message from BSWHP after regulatory approval, and do not wait for it to start comparing plans.
- Call the Marketplace Call Center at (800) 318-2596 or use HealthCare.gov's find local help page.
How can an Austin agent help if my plan is ending?
An agent can find the plans sold at your address, check your doctors, hospital and prescriptions in each one, and explain which dates apply to you. Have your plan card, your doctors' names and your prescriptions ready.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Hospital · TexasLeaves,The
- Insurer · TexasAmbetter from Superior HealthPlan
- Insurer · TexasAmbetter from Superior HealthPlan
- Insurer · TexasBlue Cross and Blue Shield of Texas
- Insurer · TexasUnitedHealthcare
- Insurer · TexasUnitedHealthcare
- Medicare Advantage · TexasBaylor Scott & White Health Plan
- Medicare Advantage · TexasUnitedHealthcare
- Small-group insurer · TexasBlue Cross Blue Shield of Texas
- Small-group insurer · TexasUnitedHealthcare Insurance Company
- Small-group insurer · TexasUnitedHealthcare of Texas, Inc.
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