Health Insurance Plans in Texas
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Texas residents. Get a free quote from a licensed advisor today.
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Texas Health Insurance at a Glance
Here's what you need to know about health coverage options in Texas.
Texas has the highest uninsured rate in the nation, but the marketplace has grown significantly. The state has not expanded Medicaid, so ACA subsidies are crucial for low-income families. With major metro areas like Houston, Dallas, and Austin, your local options are abundant.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Want a personalized quote with exact plan options and pricing for your ZIP code?
Get My Personalized Quote →ACA Marketplace Plans in Texas
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Texas Marketplace Works
Texas residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Texas
These insurance companies offer ACA marketplace plans in Texas:
- Ambetter
- Blue Cross Blue Shield of Texas
- Oscar Health
- Molina Healthcare
- UnitedHealthcare
- Cigna Healthcare
- Christus Health
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Texas
Texas has not expanded Medicaid under the ACA.
This means there is a coverage gap for some low-income adults who earn too much for traditional Medicaid but too little to qualify for ACA marketplace subsidies. Short-term health plans and ancillary products can help bridge this gap.
Check Your Eligibility →Short-Term Health Insurance in Texas
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Texas
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Texas?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Texas
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Texas Health Insurance Questions
Texas Insurance Resources
Texas Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Texas Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Texas
Find health insurance information specific to your city in Texas.
Houston
Harris County · Pop. 2,304,580
San Antonio
Bexar County · Pop. 1,434,625
Dallas
Dallas County · Pop. 1,304,379
Austin
Travis County · Pop. 961,855
Fort Worth
Tarrant County · Pop. 918,915
El Paso
El Paso County · Pop. 678,815
Houston
Harris County · Pop. 2,304,580
San Antonio
Bexar County · Pop. 1,547,253
Dallas
Dallas County · Pop. 1,343,573
Austin
Travis County · Pop. 978,908
Fort Worth
Tarrant County · Pop. 909,585
Corpus Christi
Nueces County · Pop. 305,215
Plano
Collin County · Pop. 289,885
Arlington
Tarrant County · Pop. 398,854
Irving
Dallas County · Pop. 236,602
Lubbock
Lubbock County · Pop. 249,565
Brownsville
Cameron County · Pop. 182,860
Laredo
Webb County · Pop. 256,394
Garland
Dallas County · Pop. 239,928
Fremont
Collin County · Pop. 12,000
McKinney
Collin County · Pop. 195,645
Frisco
Collin County · Pop. 184,246
Amarillo
Potter County · Pop. 199,371
Abilene
Taylor County · Pop. 125,182
El Paso
El Paso County · Pop. 681,124
Beaumont
Jefferson County · Pop. 115,282
Health Insurance by County in Texas
Find health insurance information for your county in Texas.
Harris County
County Seat: Houston · Pop. 4,731,145
Bexar County
County Seat: San Antonio · Pop. 2,007,243
Dallas County
County Seat: Dallas · Pop. 2,637,893
Travis County
County Seat: Austin · Pop. 1,290,188
Tarrant County
County Seat: Fort Worth · Pop. 2,102,515
Nueces County
County Seat: Corpus Christi · Pop. 340,223
Collin County
County Seat: McKinney · Pop. 1,121,465
Lubbock County
County Seat: Lubbock · Pop. 305,219
Cameron County
County Seat: Brownsville · Pop. 423,163
Webb County
County Seat: Laredo · Pop. 273,932
Potter County
County Seat: Amarillo · Pop. 120,695
Taylor County
County Seat: Abilene · Pop. 134,432
El Paso County
County Seat: El Paso · Pop. 865,122
Jefferson County
County Seat: Beaumont · Pop. 256,872
Galveston County
County Seat: Galveston · Pop. 331,405
Fort Bend County
County Seat: Richmond · Pop. 888,264
Montgomery County
County Seat: Conroe · Pop. 644,937
Williamson County
County Seat: Georgetown · Pop. 709,627
Denton County
County Seat: Denton · Pop. 1,007,039
Brazoria County
County Seat: Angleton · Pop. 384,876