Moving from Texas to Colorado? The 60-day window to enroll, what changes at the state line and the 2027 price in each state, before and after the tax credit.
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
Short answer: about 27,600 people moved from Texas to Colorado in 2024, by the Census Bureau’s estimate. A Texas plan stops being an option once Colorado is home: you pick a Colorado plan on Connect for Health Colorado within 60 days of the move, then end the Texas plan through HealthCare.gov. The benchmark Silver for a 40-year-old is $615 a month in Colorado, against $737 in Texas.
In 2024 Colorado was the fourth most common destination for people leaving Texas, after California, Florida and Oklahoma: about 27,574 of the 483,476 people who left Texas for another state, 6% of them, by the Census Bureau’s estimate. The next most common destinations were Georgia, Louisiana and Illinois.
Texas’s own 2027 marketplace has 13 insurers and no PPO plans. Texas’s 2027 benchmark Silver for a 40-year-old is $737, above the U.S. average of $704.
Below the 2027 line, $63,840 for one person, the benchmark Silver plan costs the same share of income in every state: the credit grows or shrinks to cover the price difference. At $80,000, over the line, there is no credit, and the full Texas or Colorado price applies.
| Income, one person, age 40 | Benchmark in Texas | Benchmark in Colorado |
|---|---|---|
| $35,000 | $219 | $219 |
| $50,000 | $426 | $426 |
| $80,000 | $737 | $615 |
A month, after the 2027 premium tax credit, for the benchmark plan. Cheaper plans cost less than this after the credit, because the credit is a fixed dollar amount.
It covers emergencies anywhere, and it is the coverage that qualifies you: at least one day in the 60 days before the move. Use the time to price Colorado for the ZIP you are moving to.
Sixty days, counted from the move. Connect for Health Colorado may open it up to 60 days early; ask before the move.
On Connect for Health Colorado, by the last day of the month, and it starts on the 1st.
Through HealthCare.gov.
Age 40 in Colorado, before health questions. The private plan covers less than an ACA plan and asks about your health; the marketplace price is before any tax credit.
Moving from Texas to Colorado?
Send the Colorado ZIP you are moving to. A licensed agent prices the plans there and gives you the dates. Free, no obligation.
See my options →“I don’t know why I was paying so much for my BCBS plan. I wasn’t even using it, maybe because the brand has such a big network, but now I pay half as much and I don’t have a deductible.”
keep going
all 23 states for movers · moving to Colorado · the move planner, set to Texas and Colorado.
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
For emergencies, yes: every ACA plan covers emergency care in any state at in-network cost-sharing. For routine care it depends on the network, and once Colorado is home the Texas plan has to be replaced within 60 days of the move.
In most cases 60 days from the move date, if you had coverage for at least one day in the 60 days before. A plan picked by the last day of a month starts on the 1st of the next.
At full price, yes: the 2027 benchmark Silver for a 40-year-old is $615 a month in Colorado and $737 in Texas (KFF). Below the tax-credit line, the benchmark costs the same share of income in both.
No. Enroll in Colorado first and end the Texas plan through HealthCare.gov once the new one starts, so there is no gap.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
Send the Colorado ZIP you are moving to. A licensed agent lines up the Colorado plans, checks your doctors and gives you the dates for your move. It costs nothing, and you deal with a licensed agent, not a call center.
What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State
Enter the Colorado ZIP code you are moving to. A licensed agent prices the Colorado plans for that address and the private plans that can start any month.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”