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 Tiers Sample 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 Name Age 21  Age 40 Age 60
Anderson Blue Advantage Silver HMO 102 328 419 890
Andrews Blue Advantage Silver HMO 102 328 419 890
Angelina Blue Advantage Silver HMO 102 328 419 890
Aransas CHP TX Silver HD 225 288 611
Archer Blue Advantage Silver HMO 102 424 542 1151
Armstrong Silver Coinsurance 331 423 897
Atascosa Blue Advantage Silver HMO 102 349 446 946
Austin Blue Advantage Silver HMO 102 337 431 914
Bailey Blue Advantage Silver HMO 102 328 419 890
Bandera Ambetter Balanced Care 4 (2017) 214 274 581
Bastrop Sendero Health Plans IdealCare Complete 227 290 617
Baylor Blue Advantage Silver HMO 102 328 419 890
Bee CHP TX Silver HD 246 315 668
Bell Ambetter Balanced Care 4 (2017) 223 285 606
Bexar Ambetter Balanced Care 4 (2017) 214 274 581
Blanco Ambetter Balanced Care 4 (2017) 156 199 423
Borden Blue Advantage Silver HMO 102 328 419 890
Bosque Blue Advantage Silver HMO 102 328 419 890
Bowie CHP TX Silver HD 238 304 646
Brazoria Community Health Choice HMO Silver 004 243 311 659
Brazos Blue Advantage Silver HMO 102 342 437 928
Brewster Blue Advantage Silver HMO 102 328 419 890
Briscoe Blue Advantage Silver HMO 102 328 419 890
Brooks Ambetter Balanced Care 4 (2017) 156 199 423
Brown Blue Advantage Silver HMO 102 328 419 890
Burleson Blue Advantage Silver HMO 102 342 437 928
Burnet Ambetter Balanced Care 4 (2017) 156 199 423
Caldwell Sendero Health Plans IdealCare Complete 227 290 617
Calhoun CHP TX Silver HD 249 319 676
Callahan Blue Advantage Silver HMO 102 345 441 936
Cameron Ambetter Balanced Care 4 (2017) 183 234 497
Camp Blue Advantage Silver HMO 102 328 419 890
Carson Silver Coinsurance 331 423 897
Cass CHP TX Silver HD 246 315 668
Castro Blue Advantage Silver HMO 102 328 419 890
Chambers Community Health Choice HMO Silver 004 243 311 659
Cherokee CHP TX Silver HD 246 315 668
Childress Blue Advantage Silver HMO 102 328 419 890
Clay Blue Advantage Silver HMO 102 424 542 1151
Cochran Blue Advantage Silver HMO 102 328 419 890
Coke Blue Advantage Silver HMO 102 328 419 890
Coleman Blue Advantage Silver HMO 102 328 419 890
Collin Molina Marketplace Choice Silver Plan 217 277 589
Collingsworth Blue Advantage Silver HMO 102 328 419 890
Colorado Blue Advantage Silver HMO 102 328 419 890
Comal Ambetter Balanced Care 4 (2017) 214 274 581
Comanche Blue Advantage Silver HMO 102 328 419 890
Concho Ambetter Balanced Care 4 (2017) 156 199 423
Cooke Silver 70 226 288 612
Coryell Blue Advantage Silver HMO 102 324 414 879
Cottle Blue Advantage Silver HMO 102 328 419 890
Crane Blue Advantage Silver HMO 102 328 419 890
Crockett Blue Advantage Silver HMO 102 328 419 890
Crosby Blue Advantage Silver HMO 102 336 430 913
Culberson Blue Advantage Silver HMO 102 328 419 890
Dallam Blue Advantage Silver HMO 102 328 419 890
Dallas Molina Marketplace Choice Silver Plan 217 277 589
Dawson Blue Advantage Silver HMO 102 328 419 890
De Witt Blue Advantage Silver HMO 102 328 419 890
Deaf Smith Silver 70 226 288 612
Delta Blue Advantage Silver HMO 102 351 449 953
Denton Ambetter Balanced Care 4 (2017) 252 322 684
Dickens Blue Advantage Silver HMO 102 328 419 890
Dimmit Blue Advantage Silver HMO 102 328 419 890
Donley Blue Advantage Silver HMO 102 328 419 890
Duval Blue Advantage Silver HMO 102 328 419 890
Eastland Blue Advantage Silver HMO 102 328 419 890
Ector Silver Coinsurance 332 425 902
Edwards Blue Advantage Silver HMO 102 328 419 890
El Paso Ambetter Balanced Care 4 (2017) 201 257 545
Ellis Blue Advantage Silver HMO 102 351 449 953
Erath Blue Advantage Silver HMO 102 328 419 890
Falls Blue Advantage Silver HMO 102 328 419 890
Fannin Silver 70 226 288 612
Fayette Ambetter Balanced Care 4 (2017) 156 199 423
Fisher Blue Advantage Silver HMO 102 328 419 890
Floyd Blue Advantage Silver HMO 102 328 419 890
Foard Blue Advantage Silver HMO 102 328 419 890
Fort Bend Community Health Choice HMO Silver 004 243 311 659
Franklin Blue Advantage Silver HMO 102 328 419 890
Freestone Blue Advantage Silver HMO 102 328 419 890
Frio Blue Advantage Silver HMO 102 328 419 890
Gaines Blue Advantage Silver HMO 102 328 419 890
Galveston Community Health Choice HMO Silver 004 243 311 659
Garza Blue Advantage Silver HMO 102 328 419 890
Gillespie Ambetter Balanced Care 4 (2017) 156 199 423
Glasscock Blue Advantage Silver HMO 102 328 419 890
Goliad CHP TX Silver HD 249 319 676
Gonzales Blue Advantage Silver HMO 102 328 419 890
Gray Silver 70 226 288 612
Grayson Silver 70 279 357 758
Gregg Blue Advantage Silver HMO 102 346 442 938
Grimes Blue Advantage Silver HMO 102 328 419 890
Guadalupe Blue Advantage Silver HMO 102 349 446 946
Hale Blue Advantage Silver HMO 102 328 419 890
Hall Blue Advantage Silver HMO 102 328 419 890
Hamilton Blue Advantage Silver HMO 102 328 419 890
Hansford Blue Advantage Silver HMO 102 328 419 890
Hardeman Blue Advantage Silver HMO 102 328 419 890
Hardin CHP TX Silver HD 267 342 726
Harris Molina Marketplace Choice Silver Plan 221 283 600
Harrison Blue Advantage Silver HMO 102 328 419 890
Hartley Blue Advantage Silver HMO 102 328 419 890
Haskell Blue Advantage Silver HMO 102 328 419 890
Hays Sendero Health Plans IdealCare Complete 227 290 617
Hemphill Blue Advantage Silver HMO 102 328 419 890
Henderson Blue Advantage Silver HMO 102 328 419 890
Hidalgo Ambetter Balanced Care 4 (2017) 166 212 450
Hill Blue Advantage Silver HMO 102 328 419 890
Hockley Blue Advantage Silver HMO 102 328 419 890
Hood Blue Advantage Silver HMO 102 328 419 890
Hopkins Blue Advantage Silver HMO 102 328 419 890
Houston Blue Advantage Silver HMO 102 328 419 890
Howard Blue Advantage Silver HMO 102 328 419 890
Hudspeth Blue Advantage Silver HMO 102 328 419 890
Hunt Blue Advantage Silver HMO 102 351 449 953
Hutchinson Blue Advantage Silver HMO 102 328 419 890
Irion Blue Advantage Silver HMO 102 402 514 1092
Jack Blue Advantage Silver HMO 102 328 419 890
Jackson Blue Advantage Silver HMO 102 328 419 890
Jasper CHP TX Silver HD 246 315 668
Jeff Davis Blue Advantage Silver HMO 102 328 419 890
Jefferson Community Health Choice HMO Silver 004 243 311 659
Jim Hogg Blue Advantage Silver HMO 102 328 419 890
Jim Wells CHP TX Silver HD 246 315 668
Johnson Blue Advantage Silver HMO 102 351 449 953
Jones Blue Advantage Silver HMO 102 345 441 936
Karnes CHP TX Silver HD 246 315 668
Kaufman Blue Advantage Silver HMO 102 351 449 953
Kendall Ambetter Balanced Care 4 (2017) 214 274 581
Kenedy CHP TX Silver HD 246 315 668
Kent Blue Advantage Silver HMO 102 328 419 890
Kerr Ambetter Balanced Care 4 (2017) 156 199 423
Kimble Blue Advantage Silver HMO 102 328 419 890
King Blue Advantage Silver HMO 102 328 419 890
Kinney Blue Advantage Silver HMO 102 328 419 890
Kleberg CHP TX Silver HD 246 315 668
Knox Blue Advantage Silver HMO 102 328 419 890
La Salle Blue Advantage Silver HMO 102 328 419 890
Lamar Blue Advantage Silver HMO 102 328 419 890
Lamb Blue Advantage Silver HMO 102 328 419 890
Lampasas Blue Advantage Silver HMO 102 324 414 879
Lavaca Blue Advantage Silver HMO 102 328 419 890
Lee Ambetter Balanced Care 4 (2017) 156 199 423
Leon Blue Advantage Silver HMO 102 328 419 890
Liberty Community Health Choice HMO Silver 004 243 311 659
Limestone Blue Advantage Silver HMO 102 328 419 890
Lipscomb Blue Advantage Silver HMO 102 328 419 890
Live Oak CHP TX Silver HD 246 315 668
Llano Ambetter Balanced Care 4 (2017) 156 199 423
Loving Blue Advantage Silver HMO 102 328 419 890
Lubbock Blue Advantage Silver HMO 102 336 430 913
Lynn Blue Advantage Silver HMO 102 328 419 890
Madison Blue Advantage Silver HMO 102 328 419 890
Marion Blue Advantage Silver HMO 102 328 419 890
Martin Blue Advantage Silver HMO 102 328 419 890
Mason Ambetter Balanced Care 4 (2017) 156 199 423
Matagorda Blue Advantage Silver HMO 102 328 419 890
Maverick Blue Advantage Silver HMO 102 328 419 890
Mcculloch Ambetter Balanced Care 4 (2017) 156 199 423
Mclennan Ambetter Balanced Care 4 (2017) 179 229 487
Mcmullen Blue Advantage Silver HMO 102 328 419 890
Medina Blue Advantage Silver HMO 102 349 446 946
Menard Ambetter Balanced Care 4 (2017) 156 199 423
Midland Blue Advantage Silver HMO 102 319 408 867
Milam Blue Advantage Silver HMO 102 328 419 890
Mills Blue Advantage Silver HMO 102 328 419 890
Mitchell Blue Advantage Silver HMO 102 328 419 890
Montague Blue Advantage Silver HMO 102 328 419 890
Montgomery Community Health Choice HMO Silver 004 243 311 659
Moore Silver 70 226 288 612
Morris Blue Advantage Silver HMO 102 328 419 890
Motley Blue Advantage Silver HMO 102 328 419 890
Nacogdoches Blue Advantage Silver HMO 102 328 419 890
Navarro Blue Advantage Silver HMO 102 328 419 890
Newton CHP TX Silver HD 246 315 668
Nolan Blue Advantage Silver HMO 102 328 419 890
Nueces CHP TX Silver HD 225 288 611
Ochiltree Blue Advantage Silver HMO 102 328 419 890
Oldham Blue Advantage Silver HMO 102 328 419 890
Orange Community Health Choice HMO Silver 004 243 311 659
Palo Pinto Blue Advantage Silver HMO 102 328 419 890
Panola Blue Advantage Silver HMO 102 328 419 890
Parker Blue Advantage Silver HMO 102 351 449 953
Parmer Blue Advantage Silver HMO 102 328 419 890
Pecos Blue Advantage Silver HMO 102 328 419 890
Polk Blue Advantage Silver HMO 102 328 419 890
Potter Silver 70 242 309 657
Presidio Blue Advantage Silver HMO 102 328 419 890
Rains Blue Advantage Silver HMO 102 328 419 890
Randall Silver 70 242 309 657
Reagan Blue Advantage Silver HMO 102 328 419 890
Real Blue Advantage Silver HMO 102 328 419 890
Red River CHP TX Silver HD 246 315 668
Reeves Blue Advantage Silver HMO 102 328 419 890
Refugio CHP TX Silver HD 246 315 668
Roberts Blue Advantage Silver HMO 102 328 419 890
Robertson Blue Advantage Silver HMO 102 342 437 928
Rockwall Ambetter Balanced Care 4 (2017) 252 322 684
Runnels Blue Advantage Silver HMO 102 328 419 890
Rusk Blue Advantage Silver HMO 102 346 442 938
Sabine Blue Advantage Silver HMO 102 328 419 890
San Augustine Blue Advantage Silver HMO 102 328 419 890
San Jacinto Blue Advantage Silver HMO 102 337 431 914
San Patricio CHP TX Silver HD 225 288 611
San Saba Blue Advantage Silver HMO 102 328 419 890
Schleicher Blue Advantage Silver HMO 102 328 419 890
Scurry Blue Advantage Silver HMO 102 328 419 890
Shackelford Blue Advantage Silver HMO 102 328 419 890
Shelby Blue Advantage Silver HMO 102 328 419 890
Sherman Blue Advantage Silver HMO 102 328 419 890
Smith CHP TX Silver HD 284 362 770
Somervell Blue Advantage Silver HMO 102 328 419 890
Starr Molina Marketplace Choice Silver Plan 198 253 537
Stephens Blue Advantage Silver HMO 102 328 419 890
Sterling Blue Advantage Silver HMO 102 328 419 890
Stonewall Blue Advantage Silver HMO 102 328 419 890
Sutton Blue Advantage Silver HMO 102 328 419 890
Swisher Blue Advantage Silver HMO 102 328 419 890
Tarrant Ambetter Balanced Care 4 (2017) 252 322 684
Taylor Blue Advantage Silver HMO 102 345 441 936
Terrell Blue Advantage Silver HMO 102 328 419 890
Terry Blue Advantage Silver HMO 102 328 419 890
Throckmorton Blue Advantage Silver HMO 102 328 419 890
Titus Blue Advantage Silver HMO 102 328 419 890
Tom Green Blue Advantage Silver HMO 102 402 514 1092
Travis Sendero Health Plans IdealCare Complete 227 290 617
Trinity Blue Advantage Silver HMO 102 328 419 890
Tyler CHP TX Silver HD 246 315 668
Upshur Blue Advantage Silver HMO 102 346 442 938
Upton Blue Advantage Silver HMO 102 328 419 890
Uvalde Blue Advantage Silver HMO 102 328 419 890
Val Verde Blue Advantage Silver HMO 102 328 419 890
Van Zandt Blue Advantage Silver HMO 102 328 419 890
Victoria CHP TX Silver HD 249 319 676
Walker Blue Advantage Silver HMO 102 328 419 890
Waller Community Health Choice HMO Silver 004 243 311 659
Ward Blue Advantage Silver HMO 102 328 419 890
Washington Blue Advantage Silver HMO 102 328 419 890
Webb Molina Marketplace Choice Silver Plan 234 299 635
Wharton Blue Advantage Silver HMO 102 328 419 890
Wheeler Blue Advantage Silver HMO 102 328 419 890
Wichita Blue Advantage Silver HMO 102 424 542 1151
Wilbarger Blue Advantage Silver HMO 102 328 419 890
Willacy Ambetter Balanced Care 4 (2017) 156 199 423
Williamson Sendero Health Plans IdealCare Complete 227 290 617
Wilson Blue Advantage Silver HMO 102 349 446 946
Winkler Blue Advantage Silver HMO 102 328 419 890
Wise Blue Advantage Silver HMO 102 351 449 953
Wood CHP TX Silver HD 246 315 668
Yoakum Blue Advantage Silver HMO 102 328 419 890
Young Blue Advantage Silver HMO 102 328 419 890
Zapata Blue Advantage Silver HMO 102 328 419 890
Zavala Blue Advantage Silver HMO 102 328 419 890

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