ACA Health Insurance > Break Down > Health Insurance in Texas
Health Insurance Texas: Your Roadmap to Affordable Coverage
From Houston to El Paso—We’ve Got Texas Covered.
Hey there, Texas neighbor! Looking for health insurance in Texas? Whether you're self-employed, between jobs, or just need help sorting through the noise, this guide breaks it all down—clearly and simply.
Why Should You Buy Health Insurance in Texas?
Texas has one of the highest uninsured rates in the nation. But health coverage gives you access, protection, and peace of mind.
Here’s why it matters:
Over 16% of Texans under 65 are uninsured—the highest rate in the country.
Chronic illnesses like diabetes, obesity, and hypertension are common.
ACA plans cover preventive care, such as checkups, screenings, and vaccines, at no extra cost.
In a state this big, having a reliable plan keeps your health—and your budget—protected.
Types of Health Insurance Available in Texas
Marketplace Plans (ACA via HealthCare.gov)
Texas uses the federal marketplace. You can compare ACA-compliant plans and qualify for subsidies through HealthCare.gov.
Short-Term Insurance
Short-term plans are legal in Texas and may be an option if you need stopgap coverage. These plans don’t meet ACA requirements but offer temporary solutions.
Medicare
Texans aged 65+ or with qualifying disabilities can enroll in Medicare. Add-ons like Medicare Advantage and Part D help round out coverage.
Medicaid (Texas Medicaid)
Texas hasn’t expanded Medicaid under the ACA. But certain low-income groups—such as pregnant women, children, and people with disabilities—may still qualify.
Private Insurance
Many Texans get coverage through their jobs or buy directly from private insurers. We help you compare all options, side-by-side.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Texas?
There’s no federal or state mandate that requires Texans to carry health insurance. But that doesn’t mean you should go without.
Without coverage, an unexpected ER visit or surgery can lead to huge medical bills. Plus, you miss out on free preventive care and prescription discounts.
In Texas, the smart move is getting a plan that works for you—even if it’s not required.
How Much Does Health Insurance Cost in Texas?
Thanks to ACA subsidies, many Texans qualify for major savings—some even pay $0/month. Others find full coverage for under $75/month, depending on income, age, and family size.
Medicare costs depend on which parts (A, B, C, D) you choose, and private plans have their own structures.
💡 Add a calculator to help users quickly estimate costs and subsidy eligibility.
How to Pick the Right Health Plan for You
Start with these questions:
Which doctors and hospitals do I want to use?
Am I managing any health conditions?
What’s my budget for premiums and deductibles?
Do I take prescriptions regularly?
We help you compare plan benefits, networks, and prices—so you can feel confident choosing the best fit.
Our Health Insurance Services in Texas
We’re here to help Texans get covered—plain and simple.
Who We Help
We assist:
Ranchers, teachers, and entrepreneurs
Parents, seniors, and young adults
People in big cities and rural towns
Anyone overwhelmed by the insurance maze
What We Offer
We help with:
HealthCare.gov enrollment
Medicaid eligibility support
Medicare plan comparisons
Private health plans and alternatives
Vision, dental, and Rx savings
And yes—we offer bilingual support in Spanish.
How to Get Started
Browse plans that fit your life.
Chat with a licensed Texas agent (optional).
Enroll in minutes, online or by phone.
We’ll guide you every step of the way.
Most Affordable Health Insurance in Texas
These are some of the top low-cost ACA carriers in Texas:
Blue Cross and Blue Shield of Texas – Extensive network and well-known service.
Ambetter from Superior HealthPlan – Popular statewide with competitive prices.
Molina Healthcare of Texas – Affordable with a focus on preventive care.
We’ll help you compare plans and choose what’s best for you.
Top 3 Most Uninsured Cities in Texas
Even in a state as large and diverse as Texas, some areas have especially high uninsured rates:
Laredo, TX – Economic barriers and language access issues.
El Paso, TX – Many are unaware of ACA subsidies and local help.
Houston, TX – High population and job churn lead to gaps in coverage.
No matter where you are in Texas, we’ve got options that fit your needs.
Final Tip from Your Friendly Guide
Health insurance in Texas is about more than doctor visits—it’s about protecting your future.
Let us help you find coverage that works for your life, your needs, and your budget. The sooner you start, the better you’ll feel.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!