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TDI data: about 5,000,000 Texans report being uninsured; individual market growth explained
Summary
TDI life‑and‑health director Rachel Bowden told the committee roughly 5 million Texans self‑reported uninsured in 2024 and described how enhanced premium tax credits, silver‑loading and enrollment dynamics shaped recent individual market trends.
Rachel Bowden of the Texas Department of Insurance told committee members that the latest Census‑based self‑report data show roughly 5,000,000 Texans identify as uninsured and that only about 22% of Texans are in TDI‑regulated health plans. "The latest data that we have on the uninsured rate comes from the 2024 Census reflecting that about 5,000,000 Texans report being uninsured," Bowden said.
Bowden explained why the individual market expanded in recent years and why enrollment and premium patterns have shifted as pandemic‑era enhanced premium tax credits phased out: insurers anticipated enrollment changes, silver‑loading stepped in for some consumers, and actuaries are watching claims experience before projecting future rates. She told the committee TDI expects more detailed filings later this month that will inform 2027 rate review and cautioned members about interpreting headline enrollment without waiting for effectuated‑enrollment figures.
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