Best Cheap Health Insurance in Texas 2017

People looking for the best health insurance options in Texas can find cheap subsidized plans offered on the Texas Health Insurance Exchange. In 2017, 10 companies will be offering plans on the exchanges though not all companies will have offerings in every county. Overall the companies with the cheapest plans are Celtic Insurance Company (Ambetter), Oscar Health and Molina Healthcare of Texas. Of all the companies servicing Texas, Blue Cross Blue Shield (BCBS)is the only one operating in all 254 counties in the state. The other insurance carriers are only offering plans in parts of the state.

Among the Blue Cross Blue Shield plans the average consumer will probably want to begin shopping by looking at the Blue Advantage Silver HMO 102. The plan is the cheapest Silver option sold by BCBS in most counties and as a silver plan qualifies for additional subsidies for families with lower incomes.

Graph of Average Health Insurance Costs by Company

Finding The Best and Cheapest Health Plans in Texas

Determining which health plan is the best for you and your family will depend on a number of factors. The primary factors to consider are your expected healthcare costs in a given year, your household income and the amount of savings you have in case of emergency.

If you are..

Plan TiersSample Plans

Expecting High Medical Costs

  • Platinum
  • Gold

  • Blue Cross Blue Shield Premier
  • Ambetter Secure Care 1

Average Medical Costs

  • Silver

  • Blue Advantage Silver
  • Ambetter Balanced Care 4

Low Income (Under 250% of Federal Poverty Level: $26,000)

  • Silver

  • Blue Advantage Silver
  • Ambetter Balanced Care 4

Very Low Expected Medical Costs

  • Bronze
  • Catastrophic

  • Molina Marketplace Choice Bronze
  • Blue Advantage Plus Bronze

Gold and Platinum Plans for High Expected Costs: Consumers with higher expected medical care needs, especially those that have routine prescription needs should tailor their choices towards higher coverage. This can include the platinum and gold tiered plans which come with a higher premium but also reduce your out of pocket expenses should you need medical care. Platinum and Gold plans will have much lower copays, coinsurance and deductibles meaning that each additional visit to a provider will be cheaper than a lower tier plan. It is especially important to consider the copays and coinsurance for prescription medication as this is typically the one area of plan benefits that has highest routine use.

For instance if you compare the Blue Silver Advantage against the Blue Shield Premier, generic drugs under the Premier come with no charge at all, while the Advantage will require enrollees to first hit a $3,750 deductible before the companies pick up any of the tab. For more expensive drugs copays in the Premier kick in much earlier as well.

Silver Plans for the Average or Low Income Consumer: Silver plans are a good middle ground for most consumers since they balance the out of pocket costs and your monthly premium payments. One area where Silver plans have a huge advantage is for any households that have lower incomes. Silver plans are the only types of plans that come with a Cost Sharing Reduction variation, which allows lower income households to benefit from copays, deductibles and coinsurance much lower than a standard plan. For households with incomes less than 250% of the Federal Poverty Level a Silver plans is almost always the best option since they will have lower premiums than gold and platinum plans and have their cost sharing adjusted to match these more expensive options.

Bronze and Catastrophic Plans for the Young and Healthy: At the cheapest end of the premium spectrum are the Bronze and Catastrophic plans. These plans while cheap in terms of premiums come with high out of pocket costs, often having deductibles and out of pocket maximums near the highest allowable by law. In 2017, this is $7,150 for an individual and $14,300 for a household. Consumers might find the lower premiums very appealing but should keep in mind that these plans will generally pay nothing until you've met thousands of dollars of expenses first. This could be problematic if you don't have any disposable savings should you find yourself in need of moderate medical care. In such cases you would effectively be paying for the costs yourself. Where the Bronze and Catastrophic plans really kick in is in cases of significant emergencies where care will cost tens or hundreds of thousands of dollars.

Cheapest Silver Plan by County in Texas

For the average consumer looking for a Silver level health plan we've created a list that shows the cheapest option by county as well as sample quotes for a consumer age 21, 40 and 60.

County

Plan NameAge 21Age 40Age 60

Anderson

Blue Advantage Silver HMO 102328419890

Andrews

Blue Advantage Silver HMO 102328419890

Angelina

Blue Advantage Silver HMO 102328419890

Aransas

CHP TX Silver HD225288611

Archer

Blue Advantage Silver HMO 1024245421151

Armstrong

Silver Coinsurance331423897

Atascosa

Blue Advantage Silver HMO 102349446946

Austin

Blue Advantage Silver HMO 102337431914

Bailey

Blue Advantage Silver HMO 102328419890

Bandera

Ambetter Balanced Care 4 (2017)214274581

Bastrop

Sendero Health Plans IdealCare Complete227290617

Baylor

Blue Advantage Silver HMO 102328419890

Bee

CHP TX Silver HD246315668

Bell

Ambetter Balanced Care 4 (2017)223285606

Bexar

Ambetter Balanced Care 4 (2017)214274581

Blanco

Ambetter Balanced Care 4 (2017)156199423

Borden

Blue Advantage Silver HMO 102328419890

Bosque

Blue Advantage Silver HMO 102328419890

Bowie

CHP TX Silver HD238304646

Brazoria

Community Health Choice HMO Silver 004243311659

Brazos

Blue Advantage Silver HMO 102342437928

Brewster

Blue Advantage Silver HMO 102328419890

Briscoe

Blue Advantage Silver HMO 102328419890

Brooks

Ambetter Balanced Care 4 (2017)156199423

Brown

Blue Advantage Silver HMO 102328419890

Burleson

Blue Advantage Silver HMO 102342437928

Burnet

Ambetter Balanced Care 4 (2017)156199423

Caldwell

Sendero Health Plans IdealCare Complete227290617

Calhoun

CHP TX Silver HD249319676

Callahan

Blue Advantage Silver HMO 102345441936

Cameron

Ambetter Balanced Care 4 (2017)183234497

Camp

Blue Advantage Silver HMO 102328419890

Carson

Silver Coinsurance331423897

Cass

CHP TX Silver HD246315668

Castro

Blue Advantage Silver HMO 102328419890

Chambers

Community Health Choice HMO Silver 004243311659

Cherokee

CHP TX Silver HD246315668

Childress

Blue Advantage Silver HMO 102328419890

Clay

Blue Advantage Silver HMO 1024245421151

Cochran

Blue Advantage Silver HMO 102328419890

Coke

Blue Advantage Silver HMO 102328419890

Coleman

Blue Advantage Silver HMO 102328419890

Collin

Molina Marketplace Choice Silver Plan217277589

Collingsworth

Blue Advantage Silver HMO 102328419890

Colorado

Blue Advantage Silver HMO 102328419890

Comal

Ambetter Balanced Care 4 (2017)214274581

Comanche

Blue Advantage Silver HMO 102328419890

Concho

Ambetter Balanced Care 4 (2017)156199423

Cooke

Silver 70226288612

Coryell

Blue Advantage Silver HMO 102324414879

Cottle

Blue Advantage Silver HMO 102328419890

Crane

Blue Advantage Silver HMO 102328419890

Crockett

Blue Advantage Silver HMO 102328419890

Crosby

Blue Advantage Silver HMO 102336430913

Culberson

Blue Advantage Silver HMO 102328419890

Dallam

Blue Advantage Silver HMO 102328419890

Dallas

Molina Marketplace Choice Silver Plan217277589

Dawson

Blue Advantage Silver HMO 102328419890

De Witt

Blue Advantage Silver HMO 102328419890

Deaf Smith

Silver 70226288612

Delta

Blue Advantage Silver HMO 102351449953

Denton

Ambetter Balanced Care 4 (2017)252322684

Dickens

Blue Advantage Silver HMO 102328419890

Dimmit

Blue Advantage Silver HMO 102328419890

Donley

Blue Advantage Silver HMO 102328419890

Duval

Blue Advantage Silver HMO 102328419890

Eastland

Blue Advantage Silver HMO 102328419890

Ector

Silver Coinsurance332425902

Edwards

Blue Advantage Silver HMO 102328419890

El Paso

Ambetter Balanced Care 4 (2017)201257545

Ellis

Blue Advantage Silver HMO 102351449953

Erath

Blue Advantage Silver HMO 102328419890

Falls

Blue Advantage Silver HMO 102328419890

Fannin

Silver 70226288612

Fayette

Ambetter Balanced Care 4 (2017)156199423

Fisher

Blue Advantage Silver HMO 102328419890

Floyd

Blue Advantage Silver HMO 102328419890

Foard

Blue Advantage Silver HMO 102328419890

Fort Bend

Community Health Choice HMO Silver 004243311659

Franklin

Blue Advantage Silver HMO 102328419890

Freestone

Blue Advantage Silver HMO 102328419890

Frio

Blue Advantage Silver HMO 102328419890

Gaines

Blue Advantage Silver HMO 102328419890

Galveston

Community Health Choice HMO Silver 004243311659

Garza

Blue Advantage Silver HMO 102328419890

Gillespie

Ambetter Balanced Care 4 (2017)156199423

Glasscock

Blue Advantage Silver HMO 102328419890

Goliad

CHP TX Silver HD249319676

Gonzales

Blue Advantage Silver HMO 102328419890

Gray

Silver 70226288612

Grayson

Silver 70279357758

Gregg

Blue Advantage Silver HMO 102346442938

Grimes

Blue Advantage Silver HMO 102328419890

Guadalupe

Blue Advantage Silver HMO 102349446946

Hale

Blue Advantage Silver HMO 102328419890

Hall

Blue Advantage Silver HMO 102328419890

Hamilton

Blue Advantage Silver HMO 102328419890

Hansford

Blue Advantage Silver HMO 102328419890

Hardeman

Blue Advantage Silver HMO 102328419890

Hardin

CHP TX Silver HD267342726

Harris

Molina Marketplace Choice Silver Plan221283600

Harrison

Blue Advantage Silver HMO 102328419890

Hartley

Blue Advantage Silver HMO 102328419890

Haskell

Blue Advantage Silver HMO 102328419890

Hays

Sendero Health Plans IdealCare Complete227290617

Hemphill

Blue Advantage Silver HMO 102328419890

Henderson

Blue Advantage Silver HMO 102328419890

Hidalgo

Ambetter Balanced Care 4 (2017)166212450

Hill

Blue Advantage Silver HMO 102328419890

Hockley

Blue Advantage Silver HMO 102328419890

Hood

Blue Advantage Silver HMO 102328419890

Hopkins

Blue Advantage Silver HMO 102328419890

Houston

Blue Advantage Silver HMO 102328419890

Howard

Blue Advantage Silver HMO 102328419890

Hudspeth

Blue Advantage Silver HMO 102328419890

Hunt

Blue Advantage Silver HMO 102351449953

Hutchinson

Blue Advantage Silver HMO 102328419890

Irion

Blue Advantage Silver HMO 1024025141092

Jack

Blue Advantage Silver HMO 102328419890

Jackson

Blue Advantage Silver HMO 102328419890

Jasper

CHP TX Silver HD246315668

Jeff Davis

Blue Advantage Silver HMO 102328419890

Jefferson

Community Health Choice HMO Silver 004243311659

Jim Hogg

Blue Advantage Silver HMO 102328419890

Jim Wells

CHP TX Silver HD246315668

Johnson

Blue Advantage Silver HMO 102351449953

Jones

Blue Advantage Silver HMO 102345441936

Karnes

CHP TX Silver HD246315668

Kaufman

Blue Advantage Silver HMO 102351449953

Kendall

Ambetter Balanced Care 4 (2017)214274581

Kenedy

CHP TX Silver HD246315668

Kent

Blue Advantage Silver HMO 102328419890

Kerr

Ambetter Balanced Care 4 (2017)156199423

Kimble

Blue Advantage Silver HMO 102328419890

King

Blue Advantage Silver HMO 102328419890

Kinney

Blue Advantage Silver HMO 102328419890

Kleberg

CHP TX Silver HD246315668

Knox

Blue Advantage Silver HMO 102328419890

La Salle

Blue Advantage Silver HMO 102328419890

Lamar

Blue Advantage Silver HMO 102328419890

Lamb

Blue Advantage Silver HMO 102328419890

Lampasas

Blue Advantage Silver HMO 102324414879

Lavaca

Blue Advantage Silver HMO 102328419890

Lee

Ambetter Balanced Care 4 (2017)156199423

Leon

Blue Advantage Silver HMO 102328419890

Liberty

Community Health Choice HMO Silver 004243311659

Limestone

Blue Advantage Silver HMO 102328419890

Lipscomb

Blue Advantage Silver HMO 102328419890

Live Oak

CHP TX Silver HD246315668

Llano

Ambetter Balanced Care 4 (2017)156199423

Loving

Blue Advantage Silver HMO 102328419890

Lubbock

Blue Advantage Silver HMO 102336430913

Lynn

Blue Advantage Silver HMO 102328419890

Madison

Blue Advantage Silver HMO 102328419890

Marion

Blue Advantage Silver HMO 102328419890

Martin

Blue Advantage Silver HMO 102328419890

Mason

Ambetter Balanced Care 4 (2017)156199423

Matagorda

Blue Advantage Silver HMO 102328419890

Maverick

Blue Advantage Silver HMO 102328419890

Mcculloch

Ambetter Balanced Care 4 (2017)156199423

Mclennan

Ambetter Balanced Care 4 (2017)179229487

Mcmullen

Blue Advantage Silver HMO 102328419890

Medina

Blue Advantage Silver HMO 102349446946

Menard

Ambetter Balanced Care 4 (2017)156199423

Midland

Blue Advantage Silver HMO 102319408867

Milam

Blue Advantage Silver HMO 102328419890

Mills

Blue Advantage Silver HMO 102328419890

Mitchell

Blue Advantage Silver HMO 102328419890

Montague

Blue Advantage Silver HMO 102328419890

Montgomery

Community Health Choice HMO Silver 004243311659

Moore

Silver 70226288612

Morris

Blue Advantage Silver HMO 102328419890

Motley

Blue Advantage Silver HMO 102328419890

Nacogdoches

Blue Advantage Silver HMO 102328419890

Navarro

Blue Advantage Silver HMO 102328419890

Newton

CHP TX Silver HD246315668

Nolan

Blue Advantage Silver HMO 102328419890

Nueces

CHP TX Silver HD225288611

Ochiltree

Blue Advantage Silver HMO 102328419890

Oldham

Blue Advantage Silver HMO 102328419890

Orange

Community Health Choice HMO Silver 004243311659

Palo Pinto

Blue Advantage Silver HMO 102328419890

Panola

Blue Advantage Silver HMO 102328419890

Parker

Blue Advantage Silver HMO 102351449953

Parmer

Blue Advantage Silver HMO 102328419890

Pecos

Blue Advantage Silver HMO 102328419890

Polk

Blue Advantage Silver HMO 102328419890

Potter

Silver 70242309657

Presidio

Blue Advantage Silver HMO 102328419890

Rains

Blue Advantage Silver HMO 102328419890

Randall

Silver 70242309657

Reagan

Blue Advantage Silver HMO 102328419890

Real

Blue Advantage Silver HMO 102328419890

Red River

CHP TX Silver HD246315668

Reeves

Blue Advantage Silver HMO 102328419890

Refugio

CHP TX Silver HD246315668

Roberts

Blue Advantage Silver HMO 102328419890

Robertson

Blue Advantage Silver HMO 102342437928

Rockwall

Ambetter Balanced Care 4 (2017)252322684

Runnels

Blue Advantage Silver HMO 102328419890

Rusk

Blue Advantage Silver HMO 102346442938

Sabine

Blue Advantage Silver HMO 102328419890

San Augustine

Blue Advantage Silver HMO 102328419890

San Jacinto

Blue Advantage Silver HMO 102337431914

San Patricio

CHP TX Silver HD225288611

San Saba

Blue Advantage Silver HMO 102328419890

Schleicher

Blue Advantage Silver HMO 102328419890

Scurry

Blue Advantage Silver HMO 102328419890

Shackelford

Blue Advantage Silver HMO 102328419890

Shelby

Blue Advantage Silver HMO 102328419890

Sherman

Blue Advantage Silver HMO 102328419890

Smith

CHP TX Silver HD284362770

Somervell

Blue Advantage Silver HMO 102328419890

Starr

Molina Marketplace Choice Silver Plan198253537

Stephens

Blue Advantage Silver HMO 102328419890

Sterling

Blue Advantage Silver HMO 102328419890

Stonewall

Blue Advantage Silver HMO 102328419890

Sutton

Blue Advantage Silver HMO 102328419890

Swisher

Blue Advantage Silver HMO 102328419890

Tarrant

Ambetter Balanced Care 4 (2017)252322684

Taylor

Blue Advantage Silver HMO 102345441936

Terrell

Blue Advantage Silver HMO 102328419890

Terry

Blue Advantage Silver HMO 102328419890

Throckmorton

Blue Advantage Silver HMO 102328419890

Titus

Blue Advantage Silver HMO 102328419890

Tom Green

Blue Advantage Silver HMO 1024025141092

Travis

Sendero Health Plans IdealCare Complete227290617

Trinity

Blue Advantage Silver HMO 102328419890

Tyler

CHP TX Silver HD246315668

Upshur

Blue Advantage Silver HMO 102346442938

Upton

Blue Advantage Silver HMO 102328419890

Uvalde

Blue Advantage Silver HMO 102328419890

Val Verde

Blue Advantage Silver HMO 102328419890

Van Zandt

Blue Advantage Silver HMO 102328419890

Victoria

CHP TX Silver HD249319676

Walker

Blue Advantage Silver HMO 102328419890

Waller

Community Health Choice HMO Silver 004243311659

Ward

Blue Advantage Silver HMO 102328419890

Washington

Blue Advantage Silver HMO 102328419890

Webb

Molina Marketplace Choice Silver Plan234299635

Wharton

Blue Advantage Silver HMO 102328419890

Wheeler

Blue Advantage Silver HMO 102328419890

Wichita

Blue Advantage Silver HMO 1024245421151

Wilbarger

Blue Advantage Silver HMO 102328419890

Willacy

Ambetter Balanced Care 4 (2017)156199423

Williamson

Sendero Health Plans IdealCare Complete227290617

Wilson

Blue Advantage Silver HMO 102349446946

Winkler

Blue Advantage Silver HMO 102328419890

Wise

Blue Advantage Silver HMO 102351449953

Wood

CHP TX Silver HD246315668

Yoakum

Blue Advantage Silver HMO 102328419890

Young

Blue Advantage Silver HMO 102328419890

Zapata

Blue Advantage Silver HMO 102328419890

Zavala

Blue Advantage Silver HMO 102328419890

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