Best health insurance in Texas

Best health insurance in Texas

In order to safeguard themselves against unforeseen medical costs, individuals and families in Texas must have comprehensive health insurance. It can be difficult to choose the health insurance plan that best suits your needs from the many possibilities available. With consideration for elements including coverage, cost, client satisfaction, and network accessibility, this article strives to give a thorough summary of the top health insurance alternatives available in Texas.

Blue Cross Blue Shield of Texas

Blue Cross Blue Shield of Texas is one of the largest and most reputable health insurance providers in the state. They offer a diverse range of plans tailored to different budgets and coverage needs. Blue Cross Blue Shield has an extensive network of doctors, hospitals, and specialists across Texas, ensuring access to quality healthcare services. They also provide excellent customer service and have a user-friendly online platform for managing claims and finding healthcare providers.


Aetna is another prominent health insurance company operating in Texas, known for its comprehensive coverage options. They provide a range of plans, including high-deductible health plans (HDHPs) with health savings accounts (HSAs), preferred provider organisations (PPO), and health maintenance organisations (HMOs). Many Texans find Aetna plans to be an appealing option due to their regular competitive premiums and extensive provider network.


UnitedHealthcare is a well-established health insurance provider offering a wide range of health plans in Texas. They provide a variety of plan options, including HMOs, PPOs, and point-of-service (POS) plans. UnitedHealthcare emphasizes preventive care, wellness programs, and health management tools to help individuals maintain a healthy lifestyle. They also offer a large network of healthcare providers, ensuring access to quality care across the state.


In Texas, Cigna is renowned for its extensive network of healthcare providers and adaptable plan choices. They provide HMO, PPO, and HDHP plans with different levels of coverage. Plans from Cigna frequently include extra features like wellness programs, prescription drug coverage, and telemedicine services. Additionally, they provide members internet tools and individualized customer service to help them manage their healthcare.

Oscar Health Insurance

Oscar Health Insurance is a newer player in the Texas health insurance market, known for its user-friendly technology and innovative approach to healthcare. They offer individual and family plans with a focus on easy-to-use digital tools, such as virtual visits and 24/7 telemedicine services. Oscar Health Insurance emphasizes personalized customer support and provides access to a network of top-rated healthcare providers.

Ambetter from Superior HealthPlan

Ambetter from Superior HealthPlan is a popular choice for individuals seeking affordable health insurance in Texas. They offer a range of plan options, including low-cost options with essential coverage benefits. Ambetter emphasizes preventive care and offers additional services like nurse advice lines and wellness programs. They have a wide network of doctors and hospitals across the state, ensuring access to affordable care.

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How much is medical insurance in Texas per month

How much is medical insurance in Texas per month

For people and families looking to get coverage, it is crucial to comprehend the price of medical insurance in Texas.

Here, we give a broad overview of the cost range, but bear in mind that individual prices may differ depending on things like age, region, level of coverage, and insurance company.

Table: Average Monthly Premiums for Medical Insurance Plans in Texas

Insurance Provider Plan Type Average Monthly Premium Range
Blue Cross Blue Shield HMO $250 – $600
of Texas PPO $300 – $700
HDHP + HSA $200 – $500
Aetna HMO $200 – $550
PPO $250 – $600
HDHP + HSA $150 – $400
UnitedHealthcare HMO $200 – $500
PPO $250 – $600
HDHP + HSA $150 – $400
Cigna HMO $200 – $550
PPO $250 – $600
HDHP + HSA $150 – $400
Oscar Health Insurance HMO $200 – $500
EPO $250 – $600
HDHP + HSA $150 – $400
Ambetter from Superior HMO $150 – $400
HealthPlan EPO $200 – $550
HDHP + HSA $100 – $300

Average Monthly Premiums for Medical Insurance in Texas

The cost of medical insurance can vary widely based on several factors. Below is a breakdown of the average monthly premiums for different types of health insurance plans in Texas:

Health Maintenance Organization (HMO) Plans

HMO plans typically offer more affordable options but limit coverage to a network of healthcare providers. The average monthly premiums for HMO plans in Texas range from $200 to $550.

Preferred Provider Organization (PPO) Plans

PPO plans offer more flexibility in choosing healthcare providers but may have higher premiums. The average monthly premiums for PPO plans in Texas range from $250 to $600.

High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs)

HDHPs with HSAs have lower monthly premiums but higher deductibles. These plans are designed for individuals who prefer lower upfront costs and are willing to take on more out-of-pocket expenses. The average monthly premiums for HDHPs with HSAs in Texas range from $150 to $400.

Exclusive Provider Organization (EPO) Plans

EPO plans combine aspects of HMO and PPO plans. They offer lower premiums compared to PPO plans while allowing more flexibility than HMO plans. The average monthly premiums for EPO plans in Texas range from $250 to $600.

Note on Pricing Variation

It’s important to remember that the provided ranges are estimates and that individual circumstances can significantly impact actual premiums. Age, location, tobacco use, and family size are additional factors that can influence monthly premium costs.

Factors Affecting Premium Costs

Several factors contribute to the variation in medical insurance premiums:

  • Age: Older individuals generally have higher premiums due to increased healthcare needs.
  • Location: Insurance premiums can vary by geographic location, with urban areas often having higher costs.
  • Coverage Level: Plans with broader coverage and lower deductibles tend to have higher premiums.
  • Insurance Provider: Different insurance providers offer varying rates based on their pricing models and networks.
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What is the average cost of health insurance in Texas?

The average cost of health insurance in Texas can vary based on various factors, including the type of plan, coverage level, age, location, and the insurance provider. It’s important to note that the figures provided below are general estimates and can fluctuate depending on individual circumstances. Here’s an overview of the average costs of health insurance in Texas:

Individual Health Insurance

For an individual health insurance plan in Texas, the average monthly premium can range from $200 to $600. However, premiums can be higher or lower based on factors such as age, health condition, and coverage level.

Family Health Insurance

For a family health insurance plan in Texas, the average monthly premium typically falls within the range of $500 to $1,500. The actual cost will depend on the number of family members covered, their ages, and the level of coverage desired.

Employer-Sponsored Health Insurance

Many Texans receive health insurance through their employers. The average monthly premium for employer-sponsored health insurance in Texas can range from $300 to $800 for an individual and $800 to $2,500 for a family, depending on the employer’s contribution and the coverage provided.

Government Programs

Texans may also qualify for government programs such as Medicaid or the Children’s Health Insurance Program (CHIP), which provide low-cost or no-cost health insurance coverage. The eligibility criteria and costs associated with these programs are based on income and family size.

Affordable Care Act (ACA) Marketplace Plans

Through the ACA Marketplace, Texans can purchase health insurance plans with subsidies based on income. The average monthly premium for ACA Marketplace plans in Texas can range from $200 to $600, depending on the coverage level and subsidy eligibility.

How to get health insurance in Texas without a job?

Obtaining health insurance in Texas without a job can be challenging, but there are several options available to explore. Here are some avenues to consider:


You might be qualified for Medicaid, a government program that offers free or cheap health insurance, provided your income is within the acceptable level. Medicaid eligibility standards in Texas are determined by a number of variables, including family size and income. You can submit an application for Medicaid via the Health and Human Services Commission (HHSC) website or by getting in touch with them directly.

Children’s Health Insurance Program (CHIP)

If you have children, they may be eligible for the Children’s Health Insurance Program (CHIP), which provides affordable health insurance to uninsured children in Texas. CHIP covers doctor visits, prescriptions, dental care, eye exams, and more. Eligibility is determined based on income and family size. You can apply for CHIP through the HHSC website or by contacting the HHSC directly.

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Health Insurance Marketplace

You can look into health insurance choices through the Health Insurance Marketplace, which was created by the Affordable Care Act (ACA), even if you don’t have a job. A variety of health insurance plans are available through the Marketplace, and depending on your income, you might be eligible for subsidies. For more information on various plans and to see if you qualify for financial aid, visit the website. Open enrollment periods still apply, but if you go through certain life events like leaving job-based coverage or getting married, you might be eligible for a Special Enrollment Period (SEP).


If you recently lost your job, you may be eligible for COBRA continuation coverage. COBRA allows you to continue your employer-sponsored health insurance for a limited period, typically up to 18 months. However, you will be responsible for the full premium, including the portion previously covered by your employer. Contact your previous employer’s HR department for information about COBRA coverage.

Healthcare Sharing Ministries

Healthcare sharing ministries are organizations that facilitate sharing healthcare costs among members who have similar beliefs and values. While not traditional health insurance, these programs may provide a more affordable alternative for some individuals. Examples of healthcare sharing ministries include Samaritan Ministries, Medi-Share, and Christian Healthcare Ministries. It’s important to thoroughly research and understand the terms, limitations, and eligibility requirements of these programs before enrolling.

Seek Assistance from Local Resources

Local community health centers and non-profit organizations may offer assistance in finding affordable health insurance options. They can provide guidance, resources, and support in navigating the process of obtaining health insurance without a job. Contact your local community health center or organizations such as Enroll America or Get Covered America for assistance.


Selecting the best health insurance plan in Texas requires careful consideration of coverage, cost, network availability, and customer satisfaction. The insurance providers mentioned in this article, including Blue Cross Blue Shield of Texas, Aetna, UnitedHealthcare, Cigna, Oscar Health Insurance, and Ambetter from Superior HealthPlan, are widely recognized for their strong offerings in the Texas market. However, it is essential to review individual needs, compare plans, and consider specific requirements before making a final decision on the best health insurance plan for you or your family. Consulting with a licensed insurance broker or using online comparison tools can further assist in finding the most suitable option based on your unique circumstances.

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