Best Health Insurance in Texas (2024 Plans)

Finding Texas’s best and most affordable health insurance options can be overwhelming. With so many providers, deciding the best health insurance in Texas is hard. But fear not! We’ve compiled a comprehensive guide to help you find the perfect plan to meet your healthcare needs and budget.

This comprehensive guide dives deep into top-rated and most budget-friendly health insurance plans in Texas. So, dust off your cowboy hat, and let’s explore!

How much does health insurance cost in Texas?

In 2024, the average monthly cost of health insurance for a 40-year-old with a Silver health plan is $584. The choice of plan tier significantly influences your health insurance expenses.

Gold plans generally come with higher monthly premiums compared to Silver and Bronze plans. However, with a Gold plan, you’ll encounter lower costs when visiting the doctor or filling prescriptions. In contrast, Silver and Bronze plans require you to cover a larger portion of medical expenses.

Your age is another factor impacting your health insurance expenses. Costs gradually rise during your 20s and 30s before accelerating as you enter middle age.

In Texas, a 40-year-old will incur a 28% higher cost for health insurance compared to a 21-year-old across all plan tiers. Conversely, a 60-year-old will pay over twice as much as a 40-year-old for identical coverage, irrespective of the chosen plan tier.

Cheapest Health Insurance in Texas by Metal Tier

Finding affordable health insurance in Arizona doesn’t mean sacrificing quality. Here’s a breakdown of the cheapest plans by metal tier, helping you prioritize cost without compromising essential coverage:

  • Bronze: Ambetter from Magnolia Health (limited network) – Starting at $287/month. This plan caters to healthy individuals with a narrow network but boasts the lowest starting cost in Arizona.
  • Expanded Bronze: Banner-University Medicine HMO & Ambetter from Magnolia Health (limited network) – Starting around $287/month. Both options offer broader coverage than traditional bronze plans while remaining budget-friendly.
  • Silver: Blue AdvanceHealth Silver – PimaFocus Network from Blue Cross Blue Shield – Starting at $347/month. This silver plan offers a wider network and more comprehensive coverage than bronze plans at a competitive price.
  • Gold: Standard Gold SELECT from Health Net of Arizona – Starting at $429/month. This gold plan provides significant financial protection with its lower deductible and broader network access, though at a higher cost.
  • Platinum: Blue Cross Blue Shield of Arizona PPO – Starting at $584/month. This platinum plan offers the most extensive network and the highest level of coverage, ideal for those needing frequent medical care or expecting major expenses.
  • Catastrophic: Secure from Oscar – Starting at $208/month. This plan offers lower premiums but limited coverage, primarily serving as a safety net for unexpected emergencies.

Below, you’ll find Texas’s most cost-effective health insurance plans from each metal tier:

Cheapest Bronze Plans in Texas

Offering the lowest monthly premiums, these plans cover preventive care but have high deductibles and out-of-pocket costs. Consider them if you’re generally healthy and rarely utilize healthcare services.

  • Ambetter from Magnolia Health: Starting costs generally range between $180 and $220 per month.
  • Community Health Choice: Start at around $220 per month.
  • UnitedHealthcare: Start at around $260 per month.

Bronze plans are designed for individuals looking for protection against significant medical incidents rather than everyday healthcare costs. Featuring lower monthly premiums and higher out-of-pocket expenses, they are ideal for those anticipating minimal medical requirements, while still providing coverage for essential health benefits and major emergencies.

Cheapest Silver Plan Options in Texas

Several providers offer budget-friendly Silver plans in Texas, but remember starting costs vary based on your age, location, and other factors. Here are some options to consider:

  • Community Health Choice: Known for affordability, especially in Southeast Texas. Silver plans could start at around $320 per month.
  • Ambetter from Magnolia Health: Typically offers cheaper options but with limited networks. Silver plans might start between $240 and $280 monthly.
  • UnitedHealthcare: Provides a balance of affordability and decent network coverage. Expect Silver plans to begin at around $360 per month.
Community Health Choice

Cheapest Gold Plan Options in Texas

Gold health plans in Texas frequently come with the highest monthly expenses compared to other plan tiers. Nonetheless, Gold plans typically feature a modest deductible, resulting in lower upfront costs before your health insurance coverage begins. After your health insurance starts providing coverage, you’ll pay reduced amounts for medical visits or prescriptions with a Gold plan.

The three most affordable Gold plans in Texas are:

  • Community Health Choice: Starting at $450/month
  • Ambetter from Magnolia Health: Starting at $380/month
  • UnitedHealthcare: Starting at $500/month

Cheapest Platinum Plans in Texas

Platinum plans tend to offer the most comprehensive coverage but naturally come with the highest premiums.

The three most affordable Gold plans in Texas are:

  • Blue Cross Blue Shield of Texas: Cost begins at around $550 per month.
  • UnitedHealthcare: Starting costs might be around $640 per month.
  • Community Health Choice:  Starting costs around $580 per month.
Blue-Cross-Blue-Shield

Cheapest Expanded Bronze Options in Texas

These plans offer broader coverage than traditional Bronze plans while remaining budget-friendly.

The three most affordable Expanded Bronze plans in Texas are:

  • Banner-University Medicine HMO: (starting at $287/month)
  • Ambetter from Magnolia Health (limited network): (starting at $287/month)
  • Community Health Choice: (starting at $321/month)

Cheapest Catastrophic Plans in Texas

These plans offer the lowest monthly premiums but limited coverage with high deductibles. Here are some providers known for affordable Catastrophic options:

  • Ambetter from Magnolia Health (limited network): Often considered the cheapest option but with a limited provider network. Expect starting costs of around $120 per month.
  • Oscar: Known for transparent pricing and offering a Catastrophic plan. Check their website for starting costs specific to your area.
  • UnitedHealthcare: Provides a nationwide network and potentially affordable Catastrophic plans. Consult their website for updated cost information.
Ambetter from Magnolia Health

Cheapest Health Insurance in Texas for Those With Low-Income

If you have a limited income, you might qualify for subsidies that significantly reduce your monthly premium. Additionally, consider:

Medicaid: This government program provides free or low-cost health coverage to eligible individuals and families.

Cheapest health insurance plan by Texas county

The availability of health insurance plans differs depending on the county in which you reside. Your geographical location will dictate both the quantity of plans and the most affordable option accessible to you.

Cheapest health insurance plan by Texas county
CountyCheapest Silver planMonthly rate
AndersonChristus Silver$512
AndrewsAmbetter Standard Silver$438
AngelinaBCBS Silver HMO 205$493
AransasBCBS HMO 603$522
ArcherBCBS Silver HMO 205$684
ArmstrongAmbetter Standard Silver$527
AtascosaUHC Silver Value$494
AustinUHC Silver Value$534
BaileyBCBS Silver HMO 205$603
BanderaUHC Silver Value$494
BastropSendero Health Capital Silver$537
BaylorBCBS Silver HMO 205$684
BeeBCBS HMO 603$522
BellBaylor Scott & White Prime Silver HMO 008$508
BexarBCBS Silver 405$471
BlancoOscar Silver Classic$616
BordenBCBS Silver HMO 801$494
BosqueBaylor Scott & White Prime Silver HMO 008$504
BowieChristus Silver$595
BrazoriaAetna CVS Health Silver$482
BrazosBaylor Scott & White Prime Silver HMO 008$512
BrewsterUHC Silver Value$516
BriscoeBCBS Silver HMO 801$557
BrooksBCBS Silver HMO 205$443
BrownAmbetter Standard Silver$633
BurlesonUHC Silver Value$524
BurnetBaylor Scott & White Prime Silver HMO 008$492
CaldwellChristus Silver$507
CalhounAmbetter Standard Silver$594
CallahanBaylor Scott & White Prime Silver HMO 008$606
CameronBCBS Silver 405$388
CampAmbetter Standard Silver$558
CarsonAmbetter Standard Silver$527
CassChristus Silver$595
CastroAmbetter Standard Silver$527
ChambersUHC Silver Value$534
CherokeeChristus Silver$512
ChildressBCBS Silver HMO 801$557
ClayBCBS Silver HMO 205$684
CochranBCBS Silver HMO 205$603
CokeBaylor Scott & White Prime Silver HMO 008$527
ColemanBaylor Scott & White Prime Silver HMO 008$606
CollinBaylor Scott & White Prime Silver HMO 008$438
CollingsworthAmbetter Standard Silver$527
ColoradoUHC Silver Value$534
ComalChristus Silver$468
ComancheBaylor Scott & White Prime Silver HMO 008$606
ConchoAmbetter Standard Silver$647
CookeAmbetter Standard Silver$614
CoryellBaylor Scott & White Prime Silver HMO 008$508
CottleBaylor Scott & White Prime Silver HMO 008$552
CraneAetna CVS Health Silver 5$463
CrockettBCBS Silver HMO 205$651
CrosbyBaylor Scott & White Prime Silver HMO 008$566
CulbersonBCBS Silver HMO 205$568
DallamAmbetter Standard Silver$527
DallasBaylor Scott & White Prime Silver HMO 008$438
DawsonBCBS Silver HMO 801$494
De WittAmbetter Standard Silver$594
Deaf SmithAmbetter Standard Silver$527
DeltaAmbetter Standard Silver$558
DentonAmbetter Standard Silver VALUE$492
DickensBaylor Scott & White Prime Silver HMO 008$566
DimmitBCBS Silver HMO 205$561
DonleyAmbetter Standard Silver$527
DuvalBCBS Silver HMO 205$618
EastlandBaylor Scott & White Prime Silver HMO 008$606
EctorAmbetter Standard Silver$438
EdwardsBCBS Silver HMO 205$561
El PasoBCBS Silver 405$460
EllisBaylor Scott & White Prime Silver HMO 008$438
ErathBCBS Silver HMO 205$621
FallsBaylor Scott & White Prime Silver HMO 008$504
FanninAmbetter Standard Silver$614
FayetteSendero Health Capital Silver$537
FisherBaylor Scott & White Prime Silver HMO 008$606
FloydBaylor Scott & White Prime Silver HMO 008$566
FoardBCBS Silver HMO 205$684
Fort BendAmbetter Standard Silver VALUE$461
FranklinChristus Silver$595
FreestoneBaylor Scott & White Prime Silver HMO 008$504
FrioBCBS Silver HMO 205$561
GainesBCBS Silver HMO 801$494
GalvestonAetna CVS Health Silver$482
GarzaBaylor Scott & White Prime Silver HMO 008$566
GillespieBCBS Silver HMO 205$561
GlasscockAetna CVS Health Silver 5$463
GoliadAmbetter Standard Silver$594
GonzalesBCBS Silver HMO 205$561
GrayAmbetter Standard Silver$527
GraysonAmbetter Standard Silver$614
GreggBCBS Silver HMO 205$472
GrimesUHC Silver Value$524
GuadalupeChristus Silver$468
HaleBaylor Scott & White Prime Silver HMO 008$566
HallBCBS Silver HMO 801$557
HamiltonBaylor Scott & White Prime Silver HMO 008$508
HansfordBCBS Silver HMO 801$557
HardemanBCBS Silver HMO 205$684
HardinChristus Silver$489
HarrisBCBS Silver 405$431
HarrisonBCBS Silver HMO 205$472
HartleyAmbetter Standard Silver$527
HaskellBaylor Scott & White Prime Silver HMO 008$606
HaysChristus Silver$507
HemphillBCBS Silver HMO 801$557
HendersonAmbetter Standard Silver$535
HidalgoBCBS Silver 405$404
HillBaylor Scott & White Prime Silver HMO 008$504
HockleyBaylor Scott & White Prime Silver HMO 008$566
HoodBCBS Silver HMO 205$621
HopkinsChristus Silver$595
HoustonBCBS Silver HMO 205$493
HowardAetna CVS Health Silver 5$463
HudspethBCBS Silver HMO 205$568
HuntAetna CVS Health Silver$498
HutchinsonBCBS Silver HMO 801$557
IrionAmbetter Standard Silver$647
JackAmbetter Standard Silver$628
JacksonAmbetter Stand1ard Silver$594
JasperChristus Silver$489
Jeff DavisBCBS Silver HMO 205$568
JeffersonChristus Silver$489
Jim HoggUHC Silver Value$596
Jim WellsBCBS HMO 603$522
JohnsonCigna Connect Silver 4000$497
JonesBaylor Scott & White Prime Silver HMO 008$606
KarnesChristus Silver$564
KaufmanAetna CVS Health Silver$498
KendallUHC Silver Value$494
KenedyBCBS Silver HMO 205$454
KentBaylor Scott & White Prime Silver HMO 008$606
KerrBCBS Silver HMO 205$561
KimbleAmbetter Standard Silver$647
KingBaylor Scott & White Prime Silver HMO 008$566
KinneyBCBS Silver HMO 205$561
KlebergBCBS HMO 603$522
KnoxBaylor Scott & White Prime Silver HMO 008$552
La SalleBCBS Silver HMO 205$561
LamarBCBS Silver HMO 205$610
LambBaylor Scott & White Prime Silver HMO 008$566
LampasasBaylor Scott & White Prime Silver HMO 008$508
LavacaAmbetter Standard Silver$594
LeeSendero Health Capital Silver$537
LeonUHC Silver Value$524
LibertyUHC Silver Value$534
LimestoneBaylor Scott & White Prime Silver HMO 008$504
LipscombBCBS Silver HMO 801$557
Live OakBCBS HMO 603$522
LlanoBaylor Scott & White Prime Silver HMO 008$492
LovingBCBS Silver HMO 801$494
LubbockBaylor Scott & White Prime Silver HMO 008$566
LynnBaylor Scott & White Prime Silver HMO 008$566
MadisonUHC Silver Value$524
MarionBCBS Silver HMO 205$472
MartinAetna CVS Health Silver 5$463
MasonAmbetter Standard Silver$647
MatagordaUHC Silver Value$534
MaverickBCBS Silver HMO 205$561
McCullochBaylor Scott & White Prime Silver HMO 008$527
McLennanBCBS Silver 807$485
McMullenBCBS Silver HMO 205$618
MedinaBCBS Silver HMO 205$561
MenardAmbetter Standard Silver$647
MidlandAetna CVS Health Silver 5$463
MilamBaylor Scott & White Prime Silver HMO 008$512
MillsBaylor Scott & White Prime Silver HMO 008$508
MitchellBaylor Scott & White Prime Silver HMO 008$606
MontagueAmbetter Standard Silver$628
MontgomeryAmbetter Standard Silver VALUE$473
MooreBCBS Silver HMO 801$557
MorrisChristus Silver$595
MotleyBaylor Scott & White Prime Silver HMO 008$566
NacogdochesBCBS Silver HMO 205$493
NavarroBaylor Scott & White Prime Silver HMO 008$438
NewtonChristus Silver$489
NolanBaylor Scott & White Prime Silver HMO 008$606
NuecesBCBS HMO 603$522
OchiltreeBCBS Silver HMO 801$557
OldhamAmbetter Standard Silver$527
OrangeChristus Silver$489
Palo PintoUHC Silver Value$544
PanolaBCBS Silver HMO 205$472
ParkerAetna CVS Health Silver$501
ParmerAmbetter Standard Silver$527
PecosBCBS Silver HMO 801$494
PolkBCBS Silver HMO 205$493
PotterAmbetter Standard Silver$527
PresidioBCBS Silver HMO 205$568
RainsChristus Silver$512
RandallAmbetter Standard Silver$527
ReaganBaylor Scott & White Prime Silver HMO 008$527
RealBCBS Silver HMO 205$561
Red RiverChristus Silver$595
ReevesBCBS Silver HMO 801$494
RefugioBCBS HMO 603$522
RobertsBCBS Silver HMO 801$557
RobertsonUHC Silver Value$524
RockwallBaylor Scott & White Prime Silver HMO 008$438
RunnelsBaylor Scott & White Prime Silver HMO 008$606
RuskBCBS Silver HMO 205$472
SabineBCBS Silver HMO 205$493
San AugustineBCBS Silver HMO 205$493
San JacintoBCBS Silver HMO 205$493
San PatricioBCBS HMO 603$522
San SabaBaylor Scott & White Prime Silver HMO 008$508
SchleicherAmbetter Standard Silver$647
ScurryBaylor Scott & White Prime Silver HMO 008$606
ShackelfordBaylor Scott & White Prime Silver HMO 008$606
ShelbyBCBS Silver HMO 205$493
ShermanAmbetter Standard Silver$527
SmithChristus Silver$512
SomervellBaylor Scott & White Prime Silver HMO 008$522
StarrBCBS Silver HMO 205$443
StephensBaylor Scott & White Prime Silver HMO 008$606
SterlingAmbetter Standard Silver$647
StonewallBaylor Scott & White Prime Silver HMO 008$606
SuttonAmbetter Standard Silver$647
SwisherBCBS Silver HMO 801$557
TarrantAmbetter Standard Silver VALUE$492
TaylorBaylor Scott & White Prime Silver HMO 008$606
TerrellBCBS Silver HMO 205$496
TerryBaylor Scott & White Prime Silver HMO 008$566
ThrockmortonBaylor Scott & White Prime Silver HMO 008$606
TitusChristus Silver$595
Tom GreenAmbetter Standard Silver$647
TravisBaylor Scott & White Prime Silver HMO 008$492
TrinityBCBS Silver HMO 205$493
TylerChristus Silver$489
UpshurBCBS Silver HMO 205$472
UptonAetna CVS Health Silver 5$463
UvaldeBCBS Silver HMO 205$561
Val VerdeBCBS Silver HMO 205$561
Van ZandtChristus Silver$512
VictoriaAmbetter Standard Silver$594
WalkerBCBS Silver HMO 205$576
WallerUHC Silver Value$534
WardBCBS Silver HMO 801$494
WashingtonBaylor Scott & White Prime Silver HMO 008$512
WebbAmbetter Standard Silver$499
WhartonUHC Silver Value$534
WheelerAmbetter Standard Silver$527
WichitaBCBS Silver HMO 205$684
WilbargerBCBS Silver HMO 205$684
WillacyBCBS Silver HMO 205$454
WilliamsonBaylor Scott & White Prime Silver HMO 008$492
WilsonBCBS Silver HMO 205$561
WinklerBCBS Silver HMO 801$494
WiseAetna CVS Health Silver$501
WoodChristus Silver$512
YoakumBaylor Scott & White Prime Silver HMO 008$566
YoungBCBS Silver HMO 205$684
ZapataAmbetter Standard Silver$499
ZavalaBCBS Silver HMO 205$561

FAQ About Health Insurance in Texas

What are the cheapest Silver and Gold plans in Texas in 2024?

The most affordable Silver plan in Texas for 40-year-olds is the Community Select Silver 019 by Community Health Choice, priced at $470 per month. Meanwhile, the least expensive Gold plan is the MyBlue Health Gold℠ 403 offered by Blue Cross Blue Shield, at $394 per month. Both plans provide competitive rates and cater to a variety of healthcare requirements.

Which health insurance is most widely accepted in Texas?

Blue Cross and Blue Shield of Texas is the widely used and best health insurance company in Texas.

Does Texas have free health insurance?

No, but Medicaid provides free or low-cost health coverage to eligible needy persons.

Is there a penalty for not having health insurance in Texas?

At the federal level and in states without an individual mandate, there are no longer tax penalties imposed on citizens for not having health insurance.

Is Obamacare available in Texas?

Yes, Residents of Texas have the opportunity to enroll in Affordable Care Act (ACA) health insurance plans, commonly referred to as Obamacare plans, during the annual Open Enrollment Period.

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