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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.

 

 

Texas Health Insurance CrossroadsChoosing 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:

 

CountyCostInsurance company & Plan NameMetal Level
Anderson$340.50Christus Standard BronzeBronze
Andrews$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Angelina$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Aransas$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Archer$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Armstrong$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Atascosa$320.23UHC Bronze Standard Bronze
Austin$330.56UHC Bronze StandardBronze
Bailey$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Bandera$320.23UHC Bronze StandardBronze
Bastrop$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Baylor$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Bee$329.30Aetna CVS Bronze SBronze
Bell$362.19BSW Vital Bronze HMO 009Bronze
Bexar$274.64Aetna CVS Bronze SBronze
Blanco$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Borden$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Bosque$334.96US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Bowie$354.84Christus Standard BronzeBronze
Brazoria$311.31Aetna CVS Bronze SBronze
Brazos$344.08BSW Vital Bronze HMO 009Bronze
Brewster$359.62BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Briscoe$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Brooks$298.16BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Brown$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Burleson$365.01BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Burnet$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Caldwell$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Calhoun$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Callahan$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Cameron$265.07BCBS of Texas MyBlue Health℠ Bronze 402Bronze
Camp$384.61BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Carson$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Cass$354.84Christus Standard BronzeBronze
Castro$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Chambers$335.24UHC Bronze StandardBronze
Cherokee$340.50Christus Standard BronzeBronze
Childress$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Clay$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Cochran$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Coke$381.39BSW Vital Bronze HMO 009Bronze
Coleman$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Collin$299.31Cigna Simple Choice 9100Bronze
Collingsworth$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Colorado$330.56UHC Bronze StandardBronze
Comal$274.64Aetna CVS Bronze SBronze
Comanche$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Concho$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Cooke$389.31BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Coryell$362.19BSW Vital Bronze HMO 009Bronze
Cottle$399.13BSW Vital Bronze HMO 009Bronze
Crane$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Crockett$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Crosby$382.88Cigna Simple Choice 9100Bronze
Culberson$359.62BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Dallam$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Dallas$299.31Cigna Simple Choice 9100Bronze
Dawson$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
De Witt$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Deaf Smith$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Delta$384.61BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Denton$342.52Oscar Bronze Simple-StandardBronze
Dickens$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Dimmit$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Donley$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Duval$390.59BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Eastland$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Ector$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Edwards$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
El Paso$286.40Aetna CVS Bronze SBronze
Ellis$299.31Cigna Simple Choice 9100Bronze
Erath$394.38BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Falls$334.96US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Fannin$389.31BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Fayette$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Fisher$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Floyd$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Foard$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Fort Bend$311.31Aetna CVS Bronze SBronze
Franklin$354.84Christus Standard BronzeBronze
Freestone$338.65BSW Vital Bronze HMO 009Bronze
Frio$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Gaines$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Galveston$311.31Aetna CVS Bronze SBronze
Garza$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Gillespie$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Glasscock$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Goliad$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Gonzales$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Gray$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Grayson$389.31BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Gregg$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Grimes$365.01BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Guadalupe$274.64Aetna CVS Bronze SBronze
Hale$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hall$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hamilton$362.19BSW Vital Bronze HMO 009Bronze
Hansford$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hardeman$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hardin$317.21Christus Standard BronzeBronze
Harris$298.29BCBS of Texas MyBlue Health Bronze 402Bronze
Harrison$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hartley$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Haskell$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hays$307.00Moda Select Texas Standard BronzeBronze
Hemphill$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Henderson$347.37BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hidalgo$278.16BCBS of Texas MyBlue Health Bronze 402Bronze
Hill$334.96US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Hockley$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hood$394.38BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hopkins$354.84Christus Standard BronzeBronze
Houston$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Howard$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hudspeth$359.62BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Hunt$299.31Cigna Simple Choice 9100Bronze
Hutchinson$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Irion$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Jack$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Jackson$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Jasper$317.21Christus Standard BronzeBronze
Jeff Davis$359.62BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Jefferson$317.21Christus Standard BronzeBronze
Jim Hogg$390.59BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Jim Wells$329.30Aetna CVS Bronze SBronze
Johnson$299.31Cigna Simple Choice 9100Bronze
Jones$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Karnes$354.60Christus Standard BronzeBronze
Kaufman$299.31Cigna Simple Choice 9100Bronze
Kendall$274.64Aetna CVS Bronze SBronze
Kenedy$291.97BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Kent$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Kerr$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Kimble$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
King$329.30Aetna CVS Bronze SBronze
Kinney$399.13BSW Vital Bronze HMO 009Bronze
Kleberg$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Knox$399.13BSW Vital Bronze HMO 009Bronze
La Salle$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Lamar$384.61BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Lamb$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Lampasas$362.19BSW Vital Bronze HMO 009Bronze
Lavaca$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Lee$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Leon$365.01BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Liberty$335.24UHC Bronze StandardBronze
Limestone$334.96US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Lipscomb$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Live Oak$335.75Christus Standard BronzeBronze
Llano$318.87US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Loving$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Lubbock$382.88Cigna Simple Choice 9100Bronze
Lynn$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Madison$365.01BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Marion$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Martin$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Mason$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Matagorda$330.56UHC Bronze StandardBronze
Maverick$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Mcculloch$381.39BSW Vital Bronze HMO 009Bronze
Mclennan$334.96US Health and Life Ascension Personalized Care Standard Expanded BronzeBronze
Mcmullen$390.59BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Medina$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Menard$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Midland$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Milam$344.08BSW Vital Bronze HMO 009Bronze
Mills$362.19BSW Vital Bronze HMO 009Bronze
Mitchell$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Montague$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Montgomery$311.31Aetna CVS Bronze SBronze
Moore$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Morris$354.84Christus Standard BronzeBronze
Motley$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Nacogdoches$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Navarro$333.58BSW Vital Bronze HMO 009Bronze
Newton$317.21Christus Standard BronzeBronze
Nolan$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Nueces$329.30Aetna CVS Bronze SBronze
Ochiltree$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Oldham$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Orange$317.21Christus Standard BronzeBronze
Palo Pinto$343.10UHC Bronze StandardBronze
Panola$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Parker$342.52Oscar Bronze Simple- StandardBronze
Parmer$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Pecos$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Polk$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Potter$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Presidio$359.62BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Rains$340.50Christus Standard BronzeBronze
Randall$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Reagan$381.39BSW Vital Bronze HMO 009Bronze
Real$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Red River$354.84Christus Standard BronzeBronze
Reeves$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Refugio$335.75Christus Standard BronzeBronze
Roberts$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Robertson$365.01BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Rockwall$299.31Cigna Simple Choice 9100Bronze
Runnels$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Rusk$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Sabine$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
San Augustine$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
San Jacinto$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
San Patricio$329.30Aetna CVS Bronze SBronze
San Saba$362.19BSW Vital Bronze HMO 009Bronze
Schleicher$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Scurry$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Shackelford$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Shelby$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Sherman$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Smith$340.50Christus Standard BronzeBronze
Somervell$377.76BSW Vital Bronze HMO 009Bronze
Starr$298.16BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Stephens$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Sterling$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Stonewall$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Sutton$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Swisher$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Tarrant$299.31Cigna Simple Choice 9100Bronze
Taylor$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Terrell$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Terry$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Throckmorton$401.81BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Titus$354.84Christus Standard BronzeBronze
Tom Green$412.56BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Travis$307.00Moda Select Texas Standard BronzeBronze
Trinity$337.40BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Tyler$317.21Christus Standard BronzeBronze
Upshur$296.89BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Upton$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Uvalde$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Val Verde$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Van Zandt$340.50Christus Standard BronzeBronze
Victoria$377.26BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Walker$354.47Community Premier Virtual Bronze 011Bronze
Waller$330.56UHC Bronze StandardBronze
Ward$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Washington$344.08BSW Vital Bronze HMO 009Bronze
Webb$390.59BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Wharton$330.56UHC Bronze Standard Bronze
Wheeler$356.64BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Wichita$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Wilbarger$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Willacy$291.97BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Williamson$307.00Moda Select Texas Standard BronzeBronze
Wilson$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Winkler$316.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Wise$366.66Aetna CVS Bronze SBronze
Wood$340.50Christus Standard BronzeBronze
Yoakum$385.21BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Young$429.92BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Zapata$390.59BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze
Zavala$353.53BCBS of Texas Blue Advantage Bronze HMO℠ 704Bronze

 

 

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 LevelCostPlan Name
Bronze$307.00Moda Select Texas Standard Bronze
Silver$437.49Baylor Scott and White Health Plan Prime Silver HMO 003
Gold$418.25US 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 companyCostPlan NameDescription
Aetna CVS
$345.20Bronze SDeductible: $7,500
PCP:$50
Specialist: $100
Ambetter
$509.99CMS Standard Gold VALUEDeductible:$2,000
PCP:$30
Specialist: $60
Baylor Scott and White$350.96Vital Bronze HMO 009Deductible:$7,600
PCP:Free 1st visit, then $35
Specialist: $100
BCBS of Texas$373.73MyBlue Health℠ Bronze 402Deductible:$7400
PCP:$0 after deductible
Specialist: 50% after deductible
Moda Health
$307.00Select Texas Standard BronzeDeductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Oscar Health $378.77Bronze Simple- StandardDeductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Sendero Plans$353.60IdealCare Bronze 1901Deductible:$9,100
PCP:$0 after deductible
Specialist: :$0 after deductible
US Health and Life$318.87Ascension Personalized Care Standard Expanded BronzeDeductible: $7,500
PCP:$50 after deductible
Specialist: $100 after deductible
UnitedHealthcare$352.90Bronze StandardDeductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible

*based on a healthy 35-year-old individual in Austin, Texas

 

 

Texas Provider LogoHealth 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:

 

Aetna CVS Health

Ambetter from Superior HealthPlan

Baylor Scott and White Health Plan

Blue Cross and Blue Shield of Texas

Christus Health Plan

Cigna Healthcare

Community First

Community Health Choice

FirstCare Health Plans

Imperial Insurance Companies, Inc.

Moda Health, Inc.

Molina Healthcare

Oscar Insurance Company

Sendero Health Plans, Local Nonprofit

UnitedHealthcare

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 HeartTexas 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

 

 

Texas Health Insurance BookHealth 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.

"Vista Health Solutions" www.forhealthinsurance.com Tel (888)215-4045 Email [email protected]