Window Installers Health Insurance in Texas (2026)

Wage benchmark and the 2026 subsidy cliff

$46,340median annual wage, Window Installers in Texas

296%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.

This occupation is below the cliff in all 21 states reported.

What this figure is. It is the median annual wage BLS reports for Glaziers (SOC 47-2121) in Texas. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed window installer. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.

Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$58,520	below
2	Virginia	$455	$58,240	below
3	Indiana	$474	$57,710	below
4	Nevada	$497	$56,750	below
5	Ohio	$513	$61,020	below
6	Michigan	$523	$58,100	below
7	Colorado	$557	$61,340	below
8	South Carolina	$564	$47,820	below
9	Oklahoma	$604	$44,730	below
10	Wisconsin	$611	$60,940	below
11	Georgia	$615	$47,650	below
12	North Carolina	$638	$43,950	below
13	Utah	$640	$50,640	below
14	Alabama	$645	$47,220	below
15	Illinois	$646	$59,990	below
16	South Dakota	$655	$50,220	below
17	Texas	$661	$46,340	below
18	Kansas	$670	$50,890	below
19	Florida	$683	$47,700	below
20	Nebraska	$710	$57,210	below
21	Arkansas	$774	$39,130	below

Questions

Does being a window installer change what health insurance costs in Texas?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $661 a month applies regardless of trade.

Do window installers qualify for a subsidy in Texas in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Glaziers in Texas is $46,340, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Texas for 2026?

$661 a month for a 40-year-old, ranking 17 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Texas

This page compares states. For Texas specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

← Window Installers in all states · All trades · All occupations

The 2027 picture for Window Installers in Texas

Texas loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 14 filing here. For Window Installers that is a forced decision, and a better one made in November than in January.

Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Texas has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.

Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Texas included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.

One thing 2027 will not fix: no PPO is sold anywhere in Texas. All 254 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as a window installer crosses county lines, weigh that above the premium.

Worth sorting before November

You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.

Give me a ZIP and I will tell you three things:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one window installers most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

Window Installers in Texas: start with your ZIP

Most Window Installers here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Texas.

One field. No account, no phone call unless you ask for one.

Window Installers Health Insurance in Texas