Compare Affordable Texas Health Insurance
Texas Health Insurance
Do you live in the state of Texas and are shopping for a health insurance plan? Explore cost-effective options from leading insurance providers selling health insurance both on and off of the federal marketplace. Find your ideal plan that falls within your financial means by considering different deductibles and copayments. Consult with our professional staff to help you choose the most suitable plan for your requirements.
Choosing the Right Texas Health Insurance Plan
Shopping for a Texas health plan always starts with knowing what you need and what you can afford. The marketplace has simplified the process by breaking down plans into what’s known as metal tiers. There are a total of 4 metal tiers to choose from. Start by considering your health status and expected medical costs, to strike the right balance between coverage and affordability. Your health is important, and finding the right plan ensures you get the coverage you need at a cost that fits your budget.
- Bronze Tier: The Bronze tier plans typically have the lowest monthly premiums but higher out-of-pocket costs when you receive medical services. These plans generally cover around 60% of your healthcare expenses, while you would be responsible for the remaining 40%. Bronze plans are a good choice for individuals who want to keep their monthly premium costs low and are relatively healthy with minimal medical needs.
- Silver Tier: Silver-tier plans strike a balance between premiums and out-of-pocket costs. They cover approximately 70% of your medical expenses, leaving you responsible for the remaining 30%. Silver plans also offer cost-sharing reductions (CSR) for eligible individuals, which further lower out-of-pocket expenses for those with lower incomes. These plans are suitable for individuals who need more coverage than what a Bronze plan offers but want to avoid higher premiums of Gold or Platinum plans.
- Gold Tier: Gold tier plans have higher monthly premiums compared to Bronze and Silver plans but provide more extensive coverage. They typically cover about 80% of your medical costs, leaving you with 20% to pay out of pocket. Gold plans are a good fit for individuals who expect to have higher medical expenses and want more predictable and comprehensive coverage.
- Platinum Tier: Platinum tier plans have the highest monthly premiums but the most comprehensive coverage. They cover around 90% of your healthcare expenses, and you are responsible for the remaining 10%. Platinum plans are ideal for individuals who frequently use medical services and want the most extensive coverage with minimal out-of-pocket expenses.
Lowest-Costing Texas Health Insurance Plans by County
Fortunately, there are a good number of affordable Texas health insurance plans, that include all of the necessary essential coverages. Quality medical care is guaranteed for all residents. The following contains a complete listing of the least expensive health insurance plans by county:
County Cost Insurance company & Plan Name Metal Level
Anderson $340.50 Christus Standard Bronze Bronze
Andrews $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Angelina $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Aransas $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Archer $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Armstrong $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Atascosa $320.23 UHC Bronze Standard Bronze
Austin $330.56 UHC Bronze Standard Bronze
Bailey $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Bandera $320.23 UHC Bronze Standard Bronze
Bastrop $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Baylor $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Bee $329.30 Aetna CVS Bronze S Bronze
Bell $362.19 BSW Vital Bronze HMO 009 Bronze
Bexar $274.64 Aetna CVS Bronze S Bronze
Blanco $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Borden $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Bosque $334.96 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Bowie $354.84 Christus Standard Bronze Bronze
Brazoria $311.31 Aetna CVS Bronze S Bronze
Brazos $344.08 BSW Vital Bronze HMO 009 Bronze
Brewster $359.62 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Briscoe $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Brooks $298.16 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Brown $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Burleson $365.01 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Burnet $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Caldwell $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Calhoun $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Callahan $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Cameron $265.07 BCBS of Texas MyBlue Health℠ Bronze 402 Bronze
Camp $384.61 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Carson $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Cass $354.84 Christus Standard Bronze Bronze
Castro $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Chambers $335.24 UHC Bronze Standard Bronze
Cherokee $340.50 Christus Standard Bronze Bronze
Childress $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Clay $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Cochran $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Coke $381.39 BSW Vital Bronze HMO 009 Bronze
Coleman $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Collin $299.31 Cigna Simple Choice 9100 Bronze
Collingsworth $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Colorado $330.56 UHC Bronze Standard Bronze
Comal $274.64 Aetna CVS Bronze S Bronze
Comanche $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Concho $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Cooke $389.31 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Coryell $362.19 BSW Vital Bronze HMO 009 Bronze
Cottle $399.13 BSW Vital Bronze HMO 009 Bronze
Crane $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Crockett $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Crosby $382.88 Cigna Simple Choice 9100 Bronze
Culberson $359.62 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Dallam $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Dallas $299.31 Cigna Simple Choice 9100 Bronze
Dawson $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
De Witt $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Deaf Smith $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Delta $384.61 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Denton $342.52 Oscar Bronze Simple-Standard Bronze
Dickens $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Dimmit $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Donley $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Duval $390.59 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Eastland $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Ector $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Edwards $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
El Paso $286.40 Aetna CVS Bronze S Bronze
Ellis $299.31 Cigna Simple Choice 9100 Bronze
Erath $394.38 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Falls $334.96 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Fannin $389.31 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Fayette $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Fisher $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Floyd $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Foard $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Fort Bend $311.31 Aetna CVS Bronze S Bronze
Franklin $354.84 Christus Standard Bronze Bronze
Freestone $338.65 BSW Vital Bronze HMO 009 Bronze
Frio $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Gaines $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Galveston $311.31 Aetna CVS Bronze S Bronze
Garza $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Gillespie $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Glasscock $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Goliad $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Gonzales $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Gray $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Grayson $389.31 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Gregg $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Grimes $365.01 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Guadalupe $274.64 Aetna CVS Bronze S Bronze
Hale $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hall $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hamilton $362.19 BSW Vital Bronze HMO 009 Bronze
Hansford $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hardeman $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hardin $317.21 Christus Standard Bronze Bronze
Harris $298.29 BCBS of Texas MyBlue Health Bronze 402 Bronze
Harrison $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hartley $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Haskell $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hays $307.00 Moda Select Texas Standard Bronze Bronze
Hemphill $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Henderson $347.37 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hidalgo $278.16 BCBS of Texas MyBlue Health Bronze 402 Bronze
Hill $334.96 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Hockley $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hood $394.38 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hopkins $354.84 Christus Standard Bronze Bronze
Houston $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Howard $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hudspeth $359.62 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Hunt $299.31 Cigna Simple Choice 9100 Bronze
Hutchinson $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Irion $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Jack $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Jackson $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Jasper $317.21 Christus Standard Bronze Bronze
Jeff Davis $359.62 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Jefferson $317.21 Christus Standard Bronze Bronze
Jim Hogg $390.59 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Jim Wells $329.30 Aetna CVS Bronze S Bronze
Johnson $299.31 Cigna Simple Choice 9100 Bronze
Jones $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Karnes $354.60 Christus Standard Bronze Bronze
Kaufman $299.31 Cigna Simple Choice 9100 Bronze
Kendall $274.64 Aetna CVS Bronze S Bronze
Kenedy $291.97 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Kent $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Kerr $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Kimble $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
King $329.30 Aetna CVS Bronze S Bronze
Kinney $399.13 BSW Vital Bronze HMO 009 Bronze
Kleberg $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Knox $399.13 BSW Vital Bronze HMO 009 Bronze
La Salle $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lamar $384.61 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lamb $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lampasas $362.19 BSW Vital Bronze HMO 009 Bronze
Lavaca $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lee $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Leon $365.01 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Liberty $335.24 UHC Bronze Standard Bronze
Limestone $334.96 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Lipscomb $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Live Oak $335.75 Christus Standard Bronze Bronze
Llano $318.87 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Loving $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lubbock $382.88 Cigna Simple Choice 9100 Bronze
Lynn $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Madison $365.01 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Marion $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Martin $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Mason $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Matagorda $330.56 UHC Bronze Standard Bronze
Maverick $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Mcculloch $381.39 BSW Vital Bronze HMO 009 Bronze
Mclennan $334.96 US Health and Life Ascension Personalized Care Standard Expanded Bronze Bronze
Mcmullen $390.59 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Medina $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Menard $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Midland $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Milam $344.08 BSW Vital Bronze HMO 009 Bronze
Mills $362.19 BSW Vital Bronze HMO 009 Bronze
Mitchell $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Montague $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Montgomery $311.31 Aetna CVS Bronze S Bronze
Moore $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Morris $354.84 Christus Standard Bronze Bronze
Motley $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Nacogdoches $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Navarro $333.58 BSW Vital Bronze HMO 009 Bronze
Newton $317.21 Christus Standard Bronze Bronze
Nolan $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Nueces $329.30 Aetna CVS Bronze S Bronze
Ochiltree $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Oldham $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Orange $317.21 Christus Standard Bronze Bronze
Palo Pinto $343.10 UHC Bronze Standard Bronze
Panola $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Parker $342.52 Oscar Bronze Simple- Standard Bronze
Parmer $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Pecos $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Polk $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Potter $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Presidio $359.62 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Rains $340.50 Christus Standard Bronze Bronze
Randall $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Reagan $381.39 BSW Vital Bronze HMO 009 Bronze
Real $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Red River $354.84 Christus Standard Bronze Bronze
Reeves $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Refugio $335.75 Christus Standard Bronze Bronze
Roberts $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Robertson $365.01 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Rockwall $299.31 Cigna Simple Choice 9100 Bronze
Runnels $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Rusk $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Sabine $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
San Augustine $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
San Jacinto $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
San Patricio $329.30 Aetna CVS Bronze S Bronze
San Saba $362.19 BSW Vital Bronze HMO 009 Bronze
Schleicher $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Scurry $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Shackelford $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Shelby $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Sherman $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Smith $340.50 Christus Standard Bronze Bronze
Somervell $377.76 BSW Vital Bronze HMO 009 Bronze
Starr $298.16 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Stephens $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Sterling $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Stonewall $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Sutton $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Swisher $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Tarrant $299.31 Cigna Simple Choice 9100 Bronze
Taylor $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Terrell $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Terry $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Throckmorton $401.81 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Titus $354.84 Christus Standard Bronze Bronze
Tom Green $412.56 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Travis $307.00 Moda Select Texas Standard Bronze Bronze
Trinity $337.40 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Tyler $317.21 Christus Standard Bronze Bronze
Upshur $296.89 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Upton $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Uvalde $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Val Verde $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Van Zandt $340.50 Christus Standard Bronze Bronze
Victoria $377.26 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Walker $354.47 Community Premier Virtual Bronze 011 Bronze
Waller $330.56 UHC Bronze Standard Bronze
Ward $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Washington $344.08 BSW Vital Bronze HMO 009 Bronze
Webb $390.59 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Wharton $330.56 UHC Bronze Standard Bronze
Wheeler $356.64 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Wichita $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Wilbarger $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Willacy $291.97 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Williamson $307.00 Moda Select Texas Standard Bronze Bronze
Wilson $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Winkler $316.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Wise $366.66 Aetna CVS Bronze S Bronze
Wood $340.50 Christus Standard Bronze Bronze
Yoakum $385.21 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Young $429.92 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Zapata $390.59 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Zavala $353.53 BCBS of Texas Blue Advantage Bronze HMO℠ 704 Bronze
Lowest-Costing Texas Health Insurance Plans by Metal Level
Plans in the following table are categorized into the 4 metal tiers representing various levels of coverage and costs. Choose a health plan by evaluating your healthcare needs, finances, and risk tolerance. Check the table below for the least-cost plan broken down by metal level.
Metal Level Cost Plan Name
Bronze $307.00 Moda Select Texas Standard Bronze
Silver $437.49 Baylor Scott and White Health Plan Prime Silver HMO 003
Gold $418.25 US Health and Life Ascension Personalized Care Standard Gold
*based on a healthy 35-year-old individual in Austin, Texas
Lowest-Costing Texas Health Insurance Plans by Insurance Company
Having a specific insurance carrier in mind is a good start for insurance decisions. However, the crucial decision lies in selecting a particular plan. If you’re looking for the most affordable plan offered by your preferred health insurance carrier, the list below will be very helpful.
Insurance company Cost Plan Name Description
Aetna CVS
$345.20 Bronze S Deductible: $7,500
PCP:$50
Specialist: $100
Ambetter
$509.99 CMS Standard Gold VALUE Deductible:$2,000
PCP:$30
Specialist: $60
Baylor Scott and White $350.96 Vital Bronze HMO 009 Deductible:$7,600
PCP:Free 1st visit, then $35
Specialist: $100
BCBS of Texas $373.73 MyBlue Health℠ Bronze 402 Deductible:$7400
PCP:$0 after deductible
Specialist: 50% after deductible
Moda Health
$307.00 Select Texas Standard Bronze Deductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Oscar Health $378.77 Bronze Simple- Standard Deductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Sendero Plans $353.60 IdealCare Bronze 1901 Deductible:$9,100
PCP:$0 after deductible
Specialist: :$0 after deductible
US Health and Life $318.87 Ascension Personalized Care Standard Expanded Bronze Deductible: $7,500
PCP:$50 after deductible
Specialist: $100 after deductible
UnitedHealthcare $352.90 Bronze Standard Deductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
*based on a healthy 35-year-old individual in Austin, Texas
Health Insurance Carriers
The health insurance marketplace in Texas operates via Healthcare.gov, acting as a portal for individuals and families to investigate a variety of essential coverage alternatives. Included in this marketplace are insurance companies such as:
Ambetter from Superior HealthPlan
Baylor Scott and White Health Plan
Blue Cross and Blue Shield of Texas
Community First
Imperial Insurance Companies, Inc.
Moda Health, Inc.
Sendero Health Plans, Local Nonprofit
US Health and Life
These well-regarded insurance companies collectively provide a wide range of health insurance plans, ensuring Texans have access to diverse options that suit their individual needs and preferences.
Texas Health Insurance Statistics and Figures
In 2021, the number of insured individuals stood at 23,642,800, while 2,202,500 remained uninsured. Moving forward to 2023, the average cost of health insurance is $461, showcasing an 8.70% increase from the previous year’s average premium. These numbers emphasize the ongoing significance of health insurance in the USA, underscoring both the coverage rates and the evolving costs that individuals are navigating.
Insured (2021) 23,642,800
Uninsured (2021) 2,202,500
Ave. cost of Health Insurance (2023) $461
Change from Prev. Year's Ave. Premium (2022-2023) 8.70%
*based on kff.org dataset
Health Insurance Terms to Learn When Getting a Plan
Understanding key health insurance terms is crucial when it comes to making informed choices about your coverage, comparing different plans, and effectively overseeing your healthcare expenses. The words below are the most common health insurance terms to know when getting health insurance.
Premium: The premium is the amount you pay to the health insurance company regularly, usually monthly, to maintain your coverage. It is a fixed cost, regardless of whether you use healthcare services or not.
Deductible: The deductible is the amount you must pay out of pocket for covered medical services before your insurance starts to pay. For example, if you have a $1,000 deductible, you are responsible for paying the first $1,000 of covered medical expenses before your insurance coverage kicks in.
Co-payment (Co-pay): A co-payment is a fixed amount you pay for certain medical services, such as doctor visits or prescription drugs, at the time of service. Co-payments are typically a specific dollar amount (e.g., $20 per doctor visit) and can vary depending on the service.
Coinsurance: Coinsurance is the percentage of the cost of a covered healthcare service that you are responsible for paying after you’ve met your deductible. For instance, if your insurance plan has a 20% coinsurance for hospitalization, you would pay 20% of the covered costs, and the insurance company would cover the remaining 80%.
Out-of-Pocket Maximum (OOP Max): The out-of-pocket maximum is the highest amount you have to pay for covered medical services in a given year. Once you reach this limit, your insurance company covers 100% of the remaining covered medical expenses for the rest of the year.
Network: A network refers to a group of doctors, hospitals, and other healthcare providers that have contracted with a specific insurance company to provide services at discounted rates. Staying in-network usually results in lower out-of-pocket costs for the insured individual.
Out-of-Network: Out-of-network providers are healthcare professionals or facilities that do not have agreements with your insurance company. If you use an out-of-network provider, you may have higher costs, and some services may not be covered.
Enrollment Periods: For plans offered through the Health Insurance Marketplace,
Open Enrollment Period (OEP) occurs once a year, typically from November 1 to December 15, allowing individuals to enroll in or change health insurance plans for the upcoming coverage year through the Health Insurance Marketplace or their employer. Special Enrollment Period (SEP) Allows individuals to enroll in or change health insurance plans outside of the regular Open Enrollment period due to qualifying life events such as marriage, birth of a child, losing other health coverage, moving, or changes in household income. Medicare Initial Enrollment Period (IEP) is available for those eligible for Medicare, lasting seven months, beginning three months before the 65th birthday and ending three months after, allowing enrollment in Medicare Part A, Part B, Part D, and Medicare Advantage plans.
Free Health Insurance Options in Texas
In Texas, there are several free or low-cost health insurance options available to eligible individuals and families who meet specific criteria. These programs aim to provide essential healthcare services and coverage to those with limited financial resources. Here are some of the main options:
Medicaid: Medicaid is a state and federally-funded program that offers free or low-cost health coverage to low-income individuals and families, including pregnant women, children, parents, and adults with disabilities. Eligibility is based on income and other factors.
Marketplace Health Insurance with Subsidies: The Health Insurance Federal Marketplace in Texas, also known as Healthcare.gov, offers private health insurance plans with subsidies (premium tax credits and cost-sharing reductions) for individuals and families with low to moderate incomes. These subsidies help lower the monthly premiums and out-of-pocket costs.