Texas small employers in 2027: what an ICHRA allowance buys on the individual market (median Silver $909 a month at 40, 13 insurers, no PPO on the.
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The short answer: a Texas business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans. The individual market an ICHRA or QSEHRA allowance buys here prices a 40-year-old’s median Silver at $909 a month for 2027 (+12.6% from 2026), the cheapest Silver filed anywhere in the state is $598 (Blue Cross and Blue Shield of Texas, Cameron County), 13 insurers sell, and no marketplace plan in the state is a PPO (every plan is EPO or HMO or POS). The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
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| Median Silver, age 40, full price | $909 a month ($807 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $598, MyBlue Health Silver℠ - Standard, Cameron County (deductible $6,400) |
| Range of Silver medians across counties | $598 to $1,784 |
| Cheapest Silver at 27 / 50 / 60 | $491 / $836 / $1,270 |
| Insurers selling individual plans for 2027 | 13 (15 in 2026) |
| Counties with a single insurer | 20 of 254 |
| Plan types filed | EPO, HMO, POS |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every individual-market plan filed in Texas. An ICHRA allowance is spent on these plans; an employee’s age moves the price along the federal curve, up to about three times a 21-year-old’s at 60. Small-group plans are priced separately by each carrier and quoted from a census.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full filed price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). Texas against the other states: Plans By State; the 1099 side of Texas: Plans For 1099; every county’s plans: Coverage by County.