Best Health Insurance Companies in Texas for 2026
Wellpoint has the best health insurance in Texas overall, but Ambetter may be better for diabetes care
Advertising Disclosures
Loading Disclosures…
- Affordable costs and good customer service help make Wellpoint the best health insurance company in Texas.
- Health insurance in Texas costs an average of $733 a month for Silver marketplace plans.
- In Texas, Gold plans are cheaper than Silver, but financial aid can make Silver a better deal.
Best health insurance in Texas
Wellpoint’s low rates and deductibles help make it the best health insurance company for most people in Texas. The company also has a very low complaint rating from the National Association of Insurance Commissioners (NAIC).
Blue Cross and Blue Shield (BCBS) of Texas, Ambetter and Imperial Insurance Companies stand out for other reasons. It’s good to compare health insurance quotes from a few companies when you shop.
Best overall: Wellpoint
Average monthly rate (Silver plans): $678
Why we chose it: Wellpoint’s low rates and deductibles help keep your overall healthcare costs affordable. With lower deductibles, you spend less before your insurer starts helping pay for your care.
The company offers health maintenance organization (HMO) and point of service (POS) plans. HMOs are cheaper but only cover providers in your plan’s network. POS plans allow you to go out of network for care, although staying in network usually costs less.
Who it’s good for: Wellpoint is best for most health insurance shoppers. Wellpoint’s 0.4 complaint score means it had less than half as many complaints compared to other companies of the same size in 2025. This indicates good customer service. Several of its plans offer select medications at no cost, which lowers your out-of-pocket costs.
PROS
- Low deductibles reduce out-of-pocket costs
- Excellent NAIC complaint rating
- POS plans available for out-of-network care
CONS
- Only available in and near Dallas, Houston, San Antonio and Brownsville
Best plan choices: Blue Cross and Blue Shield of Texas
Average monthly rate (Silver plans): $789
Why we choose it: Blue Cross and Blue Shield of Texas (BCBS) tends to offer more plans than other companies and has large physician networks. Its marketplace options
Who it’s good for: BCBS is a good choice for a wide range of health insurance shoppers. It gives you more choices over how and where to get care, and it’s available statewide.
One downside of BCBS is that its premiums, or monthly rates, are higher than average. Also, some of its plans require you to pay full price for specialist visits until you reach your deductible. If you only need a few specialist visits, choosing a BCBS plan with copayments for these visits may save you money in the long run.
PROS
- Large physician networks
- POS plans available for out-of-network care
- Plans available in every Texas county
CONS
- Other companies have cheaper premiums
Best for cheap rates: Imperial Insurance Companies
Average monthly rate (Silver plans): $624
Why we chose it: Imperial offers cheaper Bronze and Silver rates than most other widely available health insurance companies in Texas. However, regional companies like Sendero Health Plans, Community First, Harbor Health and Christus Health Plan can be cheaper.
Who it’s best for: Gold plan shoppers. Imperial’s monthly rates and deductibles for Gold plans are relatively low. This helps keep your out-of-pockets costs affordable. Unfortunately, its Bronze and Silver plan deductibles are high compared to other plans on the market.
PROS
- Cheaper rates than most other widely available companies
- Low Gold plan deductibles reduce out-of-pocket costs
- Available in most large Texas metros
CONS
- High deductibles for Bronze and Silver plans
Best for diabetes care: Ambetter
Average monthly rate (Silver plans): $700
Why we chose it: Ambetter’s Enhanced Diabetes Care Silver plan is particularly noteworthy. It covers medications and devices like insulin and glucometers at no extra cost.
Who it’s best for: Shoppers who need specialist care. Ambetter offers a wide variety of Silver and Gold marketplace plans for any health history. The plans include HMOs and exclusive provider organizations (EPOs). EPOs usually cover specialist visits without a referral from your primary doctor.
Ambetter offers Bronze plans through its own website, but not on the Healthcare.gov exchange.
PROS
- Diabetes plan covers medicines and devices at no extra cost
- EPO plans usually cover specialist visits without a referral
- Available in most parts of the state
CONS
- Bronze and Catastrophic plans not available on the marketplace
Compare Texas health insurance plans
| Company | Average monthly rate | NAIC rating | CMS score | |
|---|---|---|---|---|
 | Sendero Health | $562 | 30.5 | 4 |
 | Community First | $572 | NA | NA |
 | Christus | $600 | 4.5 | 3 |
 | Harbor Health | $615 | NA | NA |
| Imperial | $624 | 37.3 | NA |
 | Community Health | $649 | 5.9 | 3 |
 | Oscar | $664 | 2.5 | 2 |
 | Molina | $670 | 0.3 | 3 |
| Wellpoint | $678 | 0.4 | NA |
 | Ambetter | $700 | 2 | 3 |
 | United Healthcare | $729 | 5.6 | 2 |
| BCBS Texas | $789 | 0.9 | 3 |
 | Moda Health | $817 | 2.9 | 3 |
 | Cigna | $871 | 46.9 | 2 |
LendingTree analyzed companies on the Health Insurance Marketplace to find the best options for you and your family.
Our team evaluated the costs of marketplace plans and customer service ratings from reliable industry and government sources.
See our full methodology.
How much is health insurance in Texas?
Health insurance costs an average of $733 a month for Silver marketplace plans. Your actual rate depends on factors like your location and age. You’ll pay less if you qualify for subsidies, which is financial aid.
The plan tier you choose also affects your rate. Silver plans are the most expensive ones in Texas. Catastrophic plans are cheapest, but you can only get them if you’re under 30 or qualify for a hardship exemption.
Health insurance rates by plan tier
| Plan tier | Monthly rate | Average deductible | Average maximum limit |
|---|---|---|---|
| Silver | $733 | $4,308 | $9,202 |
| Gold | $636 | $1,440 | $8,418 |
| Bronze | $474 | $7,337 | $10,142 |
| Catastrophic | $442 | $10,600 | $10,600 |
In addition to your monthly rate, health plans usually make you pay a portion of costs for doctor visits, lab tests and other services. The amounts you pay out of your own pocket depend on these plan features:
- Your deductible: This is the amount you pay before your plan starts covering some of your costs.
- Coinsurance: This is the percentage of costs you cover after you’ve met your deductible. If your plan has 30% coinsurance, your insurer covers 70% of your eligible expenses. You’re responsible for the rest.
- Copayments: These flat fees help keep your out-of-pocket costs affordable for some services. Copayments usually don’t count toward your deductible.
- Maximum out-of-pocket limit: This is the most you have to pay out of your own pocket for the year. Your insurer covers eligible expenses above this amount. This protects you from larger expenses if you need extensive care for an injury, illness or something else.
How does financial aid work for Texas health insurance?
Premium tax credits and cost-sharing reductions are the most common forms of financial aid for marketplace health insurance. You can only get them for marketplace plans if you meet each program’s income limit.
Premium tax credits (PTCs)
PTCs lower your monthly health insurance payments for a plan in any marketplace tier. For example, if a Silver plan in your area costs $375 a month, a $225 PTC would bring your rate down to $150 a month. You can use a PTC for a plan in any tier.
The income limits for 2026 range from $63,840 a year for an individual to $132,000 for a family of four. Larger families get higher limits. You have to make at least $15,960 as an individual and $33,000 as a family of four.
Cost-sharing reductions (CSRs)
CSRs lower your deductibles, coinsurance and copayments for Silver plans. If your plan has a $750 deductible, a CSR can bring this down to $300 or $500. This means you’ll pay less out of pocket.
The income limit for CSRs is $39,990 a year for individuals and goes up by family size.
Which health insurance plan tier should I choose?
The best metal tier for you depends on the amount of care you usually need and the financial aid you can get.
- A Bronze plan is a good choice if you usually only need a wellness visit and basic screenings each year. These make you pay more of your own money for additional care than Gold and Silver plans. Expanded Bronze plans have lower out-of-pocket costs for some medical services.
- Silver and Gold plans have lower out-of-pocket expenses than Bronze plans, but you usually pay higher monthly rates. These are good if you think you’ll need several doctor visits or other medical services each year.
Silver plans are the better choice if you qualify for CSRs, because CSRs lower your out-of-pocket costs. Otherwise, Gold plans are likely to have lower monthly rates and out-of-pocket costs.
A Catastrophic plan may be a good choice if you’re young and don’t need much care. These only cover a few doctor visits a year and routine screenings. Bronze plans are slightly more expensive but make you pay less out of pocket if something bad happens.
Texas health insurance costs by county
The cheapest plan for you depends largely on where you live. Many companies only serve a few areas, and most companies’ rates vary by county.
For example, Community Health Choice has the cheapest Silver plan in Harris County. However, Ambetter has the cheapest one in Dallas County. In El Paso County, BCBS of Texas has the cheapest Silver plan.
| County | Monthly rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Anderson | $695 | CHRISTUS Health Plan | $580 |
| Andrews | $648 | Ambetter from Superior HealthPlan | $573 |
| Angelina | $692 | UnitedHealthcare | $627 |
| Aransas | $689 | CHRISTUS Health Plan | $583 |
| Archer | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Armstrong | $751 | Ambetter from Superior HealthPlan | $684 |
| Atascosa | $696 | UnitedHealthcare | $622 |
| Austin | $700 | Ambetter from Superior HealthPlan | $632 |
| Bailey | $761 | UnitedHealthcare | $725 |
| Bandera | $696 | UnitedHealthcare | $622 |
| Bastrop | $771 | Sendero Health Plans, Local Nonprofit | $540 |
| Baylor | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Bee | $711 | CHRISTUS Health Plan | $600 |
| Bell | $720 | Ambetter from Superior HealthPlan | $649 |
| Bexar | $644 | UnitedHealthcare | $565 |
| Blanco | $767 | UnitedHealthcare | $615 |
| Borden | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Bosque | $728 | Ambetter from Superior HealthPlan | $640 |
| Bowie | $720 | CHRISTUS Health Plan | $626 |
| Brazoria | $697 | UnitedHealthcare | $576 |
| Brazos | $679 | UnitedHealthcare | $611 |
| Brewster | $732 | UnitedHealthcare | $658 |
| Briscoe | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Brooks | $633 | CHRISTUS Health Plan | $524 |
| Brown | $843 | Ambetter from Superior HealthPlan | $794 |
| Burleson | $675 | UnitedHealthcare | $611 |
| Burnet | $725 | Sendero Health Plans, Local Nonprofit | $540 |
| Caldwell | $708 | Sendero Health Plans, Local Nonprofit | $540 |
| Calhoun | $763 | Ambetter from Superior HealthPlan | $698 |
| Callahan | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Cameron | $682 | Blue Cross and Blue Shield of Texas | $479 |
| Camp | $731 | Ambetter from Superior HealthPlan | $696 |
| Carson | $751 | Ambetter from Superior HealthPlan | $684 |
| Cass | $720 | CHRISTUS Health Plan | $626 |
| Castro | $751 | Ambetter from Superior HealthPlan | $684 |
| Chambers | $693 | UnitedHealthcare | $640 |
| Cherokee | $675 | CHRISTUS Health Plan | $580 |
| Childress | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Clay | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Cochran | $761 | UnitedHealthcare | $725 |
| Coke | $949 | Ambetter from Superior HealthPlan | $817 |
| Coleman | $853 | Ambetter from Superior HealthPlan | $794 |
| Collin | $725 | Ambetter from Superior HealthPlan | $593 |
| Collingsworth | $751 | Ambetter from Superior HealthPlan | $684 |
| Colorado | $712 | Ambetter from Superior HealthPlan | $632 |
| Comal | $646 | CHRISTUS Health Plan | $547 |
| Comanche | $853 | Ambetter from Superior HealthPlan | $794 |
| Concho | $964 | Ambetter from Superior HealthPlan | $817 |
| Cooke | $753 | Molina Healthcare | $650 |
| Coryell | $743 | Baylor Scott and White Health Plan | $692 |
| Cottle | $726 | Baylor Scott and White Health Plan | $500 |
| Crane | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Crockett | $1,032 | Blue Cross and Blue Shield of Texas | $846 |
| Crosby | $768 | Baylor Scott and White Health Plan | $692 |
| Culberson | $723 | UnitedHealthcare | $658 |
| Dallam | $751 | Ambetter from Superior HealthPlan | $684 |
| Dallas | $712 | Ambetter from Superior HealthPlan | $593 |
| Dawson | $674 | Blue Cross and Blue Shield of Texas | $613 |
| De Witt | $763 | Ambetter from Superior HealthPlan | $698 |
| Deaf Smith | $751 | Ambetter from Superior HealthPlan | $684 |
| Delta | $731 | Ambetter from Superior HealthPlan | $696 |
| Denton | $728 | Ambetter from Superior HealthPlan | $611 |
| Dickens | $746 | Baylor Scott and White Health Plan | $692 |
| Dimmit | $726 | UnitedHealthcare | $622 |
| Donley | $751 | Ambetter from Superior HealthPlan | $684 |
| Duval | $846 | UnitedHealthcare | $784 |
| Eastland | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Ector | $648 | Ambetter from Superior HealthPlan | $573 |
| Edwards | $704 | UnitedHealthcare | $622 |
| El Paso | $687 | Blue Cross and Blue Shield of Texas | $526 |
| Ellis | $726 | Molina Healthcare | $611 |
| Erath | $815 | UnitedHealthcare | $722 |
| Falls | $728 | Ambetter from Superior HealthPlan | $640 |
| Fannin | $763 | Molina Healthcare | $650 |
| Fayette | $735 | Sendero Health Plans, Local Nonprofit | $540 |
| Fisher | $853 | Ambetter from Superior HealthPlan | $794 |
| Floyd | $746 | Baylor Scott and White Health Plan | $692 |
| Foard | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Fort Bend | $663 | Oscar Insurance Company | $575 |
| Franklin | $720 | CHRISTUS Health Plan | $626 |
| Freestone | $728 | Ambetter from Superior HealthPlan | $640 |
| Frio | $704 | UnitedHealthcare | $622 |
| Gaines | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Galveston | $752 | UnitedHealthcare | $605 |
| Garza | $746 | Baylor Scott and White Health Plan | $692 |
| Gillespie | $704 | UnitedHealthcare | $622 |
| Glasscock | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Goliad | $763 | Ambetter from Superior HealthPlan | $698 |
| Gonzales | $696 | UnitedHealthcare | $622 |
| Gray | $751 | Ambetter from Superior HealthPlan | $684 |
| Grayson | $763 | Molina Healthcare | $650 |
| Gregg | $635 | CHRISTUS Health Plan | $548 |
| Grimes | $675 | UnitedHealthcare | $611 |
| Guadalupe | $661 | CHRISTUS Health Plan | $564 |
| Hale | $746 | Baylor Scott and White Health Plan | $692 |
| Hall | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Hamilton | $720 | Ambetter from Superior HealthPlan | $649 |
| Hansford | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Hardeman | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Hardin | $633 | CHRISTUS Health Plan | $555 |
| Harris | $676 | Community Health Choice | $521 |
| Harrison | $673 | CHRISTUS Health Plan | $564 |
| Hartley | $751 | Ambetter from Superior HealthPlan | $684 |
| Haskell | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Hays | $701 | Sendero Health Plans, Local Nonprofit | $540 |
| Hemphill | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Henderson | $696 | Ambetter from Superior HealthPlan | $604 |
| Hidalgo | $659 | Blue Cross and Blue Shield of Texas | $514 |
| Hill | $728 | Ambetter from Superior HealthPlan | $640 |
| Hockley | $746 | Baylor Scott and White Health Plan | $692 |
| Hood | $793 | Molina Healthcare | $697 |
| Hopkins | $720 | CHRISTUS Health Plan | $626 |
| Houston | $653 | Ambetter from Superior HealthPlan | $573 |
| Howard | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Hudspeth | $709 | Oscar Insurance Company | $657 |
| Hunt | $788 | WellPoint | $626 |
| Hutchinson | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Irion | $964 | Ambetter from Superior HealthPlan | $817 |
| Jack | $704 | Ambetter from Superior HealthPlan | $614 |
| Jackson | $763 | Ambetter from Superior HealthPlan | $698 |
| Jasper | $661 | CHRISTUS Health Plan | $572 |
| Jeff Davis | $723 | UnitedHealthcare | $658 |
| Jefferson | $639 | CHRISTUS Health Plan | $555 |
| Jim Hogg | $846 | UnitedHealthcare | $784 |
| Jim Wells | $711 | CHRISTUS Health Plan | $600 |
| Johnson | $778 | WellPoint | $665 |
| Jones | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Karnes | $758 | CHRISTUS Health Plan | $627 |
| Kaufman | $771 | WellPoint | $626 |
| Kendall | $668 | Oscar Insurance Company | $579 |
| Kenedy | $663 | CHRISTUS Health Plan | $592 |
| Kent | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Kerr | $704 | UnitedHealthcare | $622 |
| Kimble | $964 | Ambetter from Superior HealthPlan | $817 |
| King | $746 | Baylor Scott and White Health Plan | $692 |
| Kinney | $704 | UnitedHealthcare | $622 |
| Kleberg | $711 | CHRISTUS Health Plan | $600 |
| Knox | $726 | Baylor Scott and White Health Plan | $500 |
| La Salle | $709 | UnitedHealthcare | $622 |
| Lamar | $741 | Blue Cross and Blue Shield of Texas | $710 |
| Lamb | $746 | Baylor Scott and White Health Plan | $692 |
| Lampasas | $720 | Ambetter from Superior HealthPlan | $649 |
| Lavaca | $763 | Ambetter from Superior HealthPlan | $698 |
| Lee | $739 | Sendero Health Plans, Local Nonprofit | $540 |
| Leon | $675 | UnitedHealthcare | $611 |
| Liberty | $692 | UnitedHealthcare | $640 |
| Limestone | $728 | Ambetter from Superior HealthPlan | $640 |
| Lipscomb | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Live Oak | $711 | CHRISTUS Health Plan | $600 |
| Llano | $747 | UnitedHealthcare | $615 |
| Loving | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Lubbock | $768 | Baylor Scott and White Health Plan | $692 |
| Lynn | $752 | Baylor Scott and White Health Plan | $692 |
| Madison | $675 | UnitedHealthcare | $611 |
| Marion | $673 | CHRISTUS Health Plan | $564 |
| Martin | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Mason | $964 | Ambetter from Superior HealthPlan | $817 |
| Matagorda | $709 | Ambetter from Superior HealthPlan | $632 |
| Maverick | $704 | UnitedHealthcare | $622 |
| McCulloch | $949 | Ambetter from Superior HealthPlan | $817 |
| McLennan | $720 | Ambetter from Superior HealthPlan | $640 |
| McMullen | $805 | Oscar Insurance Company | $649 |
| Medina | $676 | WellPoint | $604 |
| Menard | $964 | Ambetter from Superior HealthPlan | $817 |
| Midland | $648 | Ambetter from Superior HealthPlan | $573 |
| Milam | $668 | Oscar Insurance Company | $586 |
| Mills | $720 | Ambetter from Superior HealthPlan | $649 |
| Mitchell | $853 | Ambetter from Superior HealthPlan | $794 |
| Montague | $707 | Ambetter from Superior HealthPlan | $614 |
| Montgomery | $665 | UnitedHealthcare | $580 |
| Moore | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Morris | $720 | CHRISTUS Health Plan | $626 |
| Motley | $746 | Baylor Scott and White Health Plan | $692 |
| Nacogdoches | $653 | Ambetter from Superior HealthPlan | $573 |
| Navarro | $804 | Baylor Scott and White Health Plan | $628 |
| Newton | $661 | CHRISTUS Health Plan | $572 |
| Nolan | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Nueces | $686 | CHRISTUS Health Plan | $583 |
| Ochiltree | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Oldham | $751 | Ambetter from Superior HealthPlan | $684 |
| Orange | $642 | CHRISTUS Health Plan | $555 |
| Palo Pinto | $820 | UnitedHealthcare | $722 |
| Panola | $654 | Ambetter from Superior HealthPlan | $558 |
| Parker | $786 | Molina Healthcare | $697 |
| Parmer | $751 | Ambetter from Superior HealthPlan | $684 |
| Pecos | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Polk | $679 | Community Health Choice | $617 |
| Potter | $751 | Ambetter from Superior HealthPlan | $684 |
| Presidio | $723 | UnitedHealthcare | $658 |
| Rains | $675 | CHRISTUS Health Plan | $580 |
| Randall | $751 | Ambetter from Superior HealthPlan | $684 |
| Reagan | $997 | Blue Cross and Blue Shield of Texas | $846 |
| Real | $704 | UnitedHealthcare | $622 |
| Red River | $720 | CHRISTUS Health Plan | $626 |
| Reeves | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Refugio | $689 | CHRISTUS Health Plan | $583 |
| Roberts | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Robertson | $675 | UnitedHealthcare | $611 |
| Rockwall | $728 | Ambetter from Superior HealthPlan | $593 |
| Runnels | $853 | Ambetter from Superior HealthPlan | $794 |
| Rusk | $654 | Ambetter from Superior HealthPlan | $558 |
| Sabine | $692 | UnitedHealthcare | $627 |
| San Augustine | $692 | UnitedHealthcare | $627 |
| San Jacinto | $668 | Ambetter from Superior HealthPlan | $573 |
| San Patricio | $711 | CHRISTUS Health Plan | $600 |
| San Saba | $720 | Ambetter from Superior HealthPlan | $649 |
| Schleicher | $964 | Ambetter from Superior HealthPlan | $817 |
| Scurry | $853 | Ambetter from Superior HealthPlan | $794 |
| Shackelford | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Shelby | $692 | UnitedHealthcare | $627 |
| Sherman | $751 | Ambetter from Superior HealthPlan | $684 |
| Smith | $675 | CHRISTUS Health Plan | $580 |
| Somervell | $795 | Baylor Scott and White Health Plan | $662 |
| Starr | $660 | Ambetter from Superior HealthPlan | $576 |
| Stephens | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Sterling | $964 | Ambetter from Superior HealthPlan | $817 |
| Stonewall | $853 | Ambetter from Superior HealthPlan | $794 |
| Sutton | $964 | Ambetter from Superior HealthPlan | $817 |
| Swisher | $772 | Blue Cross and Blue Shield of Texas | $707 |
| Tarrant | $738 | Ambetter from Superior HealthPlan | $611 |
| Taylor | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Terrell | $672 | Blue Cross and Blue Shield of Texas | $613 |
| Terry | $752 | Baylor Scott and White Health Plan | $692 |
| Throckmorton | $879 | Blue Cross and Blue Shield of Texas | $846 |
| Titus | $720 | CHRISTUS Health Plan | $626 |
| Tom Green | $964 | Ambetter from Superior HealthPlan | $817 |
| Travis | $699 | Sendero Health Plans, Local Nonprofit | $540 |
| Trinity | $653 | Ambetter from Superior HealthPlan | $573 |
| Tyler | $633 | CHRISTUS Health Plan | $555 |
| Upshur | $673 | CHRISTUS Health Plan | $564 |
| Upton | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Uvalde | $726 | UnitedHealthcare | $622 |
| Val Verde | $704 | UnitedHealthcare | $622 |
| Van Zandt | $675 | CHRISTUS Health Plan | $580 |
| Victoria | $763 | Ambetter from Superior HealthPlan | $698 |
| Walker | $688 | UnitedHealthcare | $640 |
| Waller | $700 | Ambetter from Superior HealthPlan | $632 |
| Ward | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Washington | $736 | Baylor Scott and White Health Plan | $703 |
| Webb | $756 | Ambetter from Superior HealthPlan | $576 |
| Wharton | $709 | Ambetter from Superior HealthPlan | $632 |
| Wheeler | $751 | Ambetter from Superior HealthPlan | $684 |
| Wichita | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Wilbarger | $839 | Blue Cross and Blue Shield of Texas | $811 |
| Willacy | $691 | Blue Cross and Blue Shield of Texas | $631 |
| Williamson | $699 | Sendero Health Plans, Local Nonprofit | $540 |
| Wilson | $679 | WellPoint | $604 |
| Winkler | $674 | Blue Cross and Blue Shield of Texas | $613 |
| Wise | $786 | Molina Healthcare | $697 |
| Wood | $675 | CHRISTUS Health Plan | $580 |
| Yoakum | $746 | Baylor Scott and White Health Plan | $692 |
| Young | $749 | UnitedHealthcare | $627 |
| Zapata | $756 | Ambetter from Superior HealthPlan | $576 |
| Zavala | $726 | UnitedHealthcare | $622 |
What to know about Texas health insurance marketplace
Affordability and limited choices are among the greatest challenges for health insurance shoppers in Texas. The rollbacks of premium tax credits at the start of 2026 made health insurance more expensive for many Texans.
The health insurance exchange, at Healthcare.gov, helps you find the best options in your area. You can use it to compare plans, apply for financial aid and see how much you can save.
It’s also good to keep money in the bank to cover your out-of-pocket medical expenses. Consider creating a health savings account (HSA) if your plan has a high deductible.
- You can deposit money tax-free into an HSA and use it for most out-of-pocket medical costs.
- Bronze and Catastrophic plans are usually HSA-eligible. Direct primary care plans, which aren’t available on the exchange, became eligible for HSAs in 2026.
Low-income health insurance in Texas
If you have a low-income, marketplace subsidies or Medicaid can help make healthcare affordable.
Marketplace subsidies for low-income residents
In addition to income ceiling limits, PTCs and CSRs also have minimum income requirements. You have to make more than the federal poverty level (FPL) to get them. The current FPLs range from $15,960 a year for individuals to $33,000 a year for four-person households.
If you qualify, these subsidies can significantly reduce the amounts you pay for healthcare.
Medicaid and children’s healthcare assistance
Medicaid and the Children’s Health Insurance Program (CHIP) offer health services to low-income Texans.
Medicaid offers healthcare to children in low-income families and their parents or caregivers. It also has programs for pregnant women, disabled individuals and senior citizens.
CHIP covers health services for children in families who earn too much for Medicaid.
How to choose a marketplace health insurance plan
All plans sold on the exchange comply with the Affordable Care Act (ACA). They offer essential health benefits
You can bypass the exchange and shop for healthcare on your own or with a broker. The options available off the exchange include:
- ACA-compliant metal plans similar to those on the exchange
- Private health insurance plans that don’t meet ACA requirements
Direct primary care
How LendingTree helps you find the right policy
Shopping for health insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers and find coverage that fits your needs and budget.
How it works
Tell us about yourself
Answer a few quick questions about you and your family.
Compare options from insurers
See rates and other coverage details for healthcare providers in your area.
Choose the right policy
Review your options and pick the plan that fits your needs and budget.
Frequently asked questions
No. The federal tax penalty for not having health insurance is no longer in place. Texas does not have a state law requiring health insurance, either.
Open enrollment for health insurance runs from Dec. 1 to Jan. 15 in Texas. Anyone can sign up, change coverages or switch companies during this time.
You can only sign up or change your healthcare at other times under special circumstances. These include getting married, having a child or losing coverage from a job change.
Premium tax credits can help you get free or cheap health insurance in Texas if your income is low enough. You usually still have to pay for doctor visits and other care out of your own pocket. You can lower these latter expenses with cost-sharing reductions, which also have low-income requirements.
Methodology
How we selected the best health insurance companies in Texas
LendingTree evaluated companies with marketplace plans on key factors to identify the best ones for you.
Rates
Rates are obtained from public use files from the National Health Insurance Marketplace. To compare prices, we use Silver plan rates for a 30-year-old, unless otherwise noted. Your actual cost may vary based on age, location, income, tobacco use, household size and the plan you choose.
Complaint ratings
Complaint ratings are from the National Association of Insurance Commissioners (NAIC) 2025 Complaint Index for individual accident and health plans. The average rating is 1.0.
A 2.0 rating means a company has twice as many confirmed complaints as average for its size. A 0.5 rating means half as many. A complaint is confirmed if it leads to a finding of fault.
CMS scores
CMS (Centers for Medicare & Medicaid) scores show a plan’s overall quality rating for each company’s plans. CMS rates plans on a 5-point scale, with 5 being the best score. The ratings are based on factors like how easy it is to get care, how well plans are run and member feedback. Some plans aren’t rated, including new ones and those with low enrollment.
Most companies with marketplace plans offer similar coverage options off the exchange. You can shop off the exchange by visiting company websites or with help from a health insurance broker. Just be mindful that some off-exchange plans provide less coverage than those on the exchange.
See our full editorial guidelines for further details.