Texas law offers relief for health insurance as federal aid expires
A little-known Texas law gives state regulators flexibility over how insurers price Affordable Care Act marketplace plans, using a method known as silver loading. As enhanced federal subsidies expire in the coming days, the law may help some Texans keep net premiums lower by concentrating rate increases in silver-tier plans, which determine federal tax credits. The measure applies to individual and family marketplace coverage across Texas and affects how premium changes interact with federal financial assistance.