Best Cheap Health Insurance in Texas 2020

Find the Cheapest Health Insurance Quotes in Your Area

Currently insured?
{"id":10,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"health","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_best-cheap-health-insurance-texas","title":"Find the Cheapest Health Insurance Quotes in Your Area","vendor":"vp"}

People looking for the best health insurance options in Texas can find cheap, subsidized policies offered on the Texas health insurance exchange. Currently there are eight companies offering plans on the exchanges, although not all companies offer plans in every county.

For the 2020 plan year, the average monthly cost of health insurance for a 40-year-old in Texas is down to $508. This is a drop of 14% or $85 since 2018.

The average consumer will probably want to begin shopping by looking at the Blue Advantage Silver HMO 205. The plan is the cheapest Silver option sold by Blue Cross Blue Shield (BCBS) which operates in every county of Texas, and the Silver plan qualifies for additional subsidies for low-income families. However, if you have access to the Ambetter Balanced Care 5 then that would be a cheaper Silver plan option.

Cheapest health insurance coverage by metal tier

To help you get started finding the best health plan available for your preferred level of coverage, we compared Texas policies by metal tier and identified the cheapest option available in the state.

The set of insurers and health plans varies by county, so not all of those listed below are available in every region. We recommend using these as a starting point to assess the monthly premiums you can expect as compared to benefits and out-of-pocket expenses.

Metal tierCheapest planDeductibleMaximum out-of-pocketMonthly cost for a 40-year-old
CatastrophicCHP TX Catastrophic$8,150$8,150$229
BronzeCore Care Bronze 2$8,000$8,150$255
Expanded BronzeCHP TX Bronze - Two Free PCP Visits$7,100$8,150$281
SilverAmbetter Balanced Care 5 (2020)$7,350$7,350$337
GoldCHP TX Gold - Two Free PCP Visits$000$8,150$399

For a chosen tier of coverage, your age will directly impact the premiums you pay for health insurance. A 40-year-old would pay 28% more for health coverage than a 21-year-old would pay, which would translate to an additional $79 per month for a Bronze plan but $119 more for a Gold plan in Texas. However, that 40-year-old would pay 53% cheaper rates than what a 60-year-old would pay for the same coverage.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Texas

Finding your best health insurance coverage 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 health care costs in a given year, your household income and the amount of savings you have in case of emergency.

Gold plans are best for high expected costs

Consumers with higher expected medical care needs, especially those who have routine prescription needs, should tailor their choices toward higher coverage. This can include the Gold-tiered plans, which come with a higher premium but also reduce your out-of-pocket expenses should you need medical care.

Gold plans will have much lower copays, coinsurance and deductibles, meaning 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.

Silver plans are best for the average or low-income consumer

Silver health plans are a good middle ground for most consumers since they balance out-of-pocket costs and monthly premium payments. Silver plans also have a huge advantage for low-income households. Silver plans are the only 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 plan is almost always the best option. These will offer lower premiums than Gold plans, and their cost sharing will be adjusted to match more expensive options.

Bronze and Catastrophic plans are best 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 with deductibles and out-of-pocket maximums near the highest allowable by law. In 2020, this is $8,100 for an individual and $16,200 for a household.

Consumers might find the lower premiums very appealing, but keep in mind these plans will generally cover nothing until you've paid thousands of dollars in 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 pay for the costs yourself. The Bronze and Catastrophic plans really help out in cases of significant emergencies where care will cost tens or hundreds of thousands of dollars.

Health insurance rate changes in Texas

Health insurance premiums changes are set by the health insurance companies on a yearly basis. Before these premiums are set, they are first approved by the federal health insurance exchange.

In Texas, the largest changes in premiums are found in the most affordable metal plans. Both the Catastrophic and Bronze policies experienced rate decreases of 9% and 10.5% respectively from 2018 to 2020. The only policy to increase in premium was the Expanded Bronze tier which only rose $1 during the time period.

Metal tier2018 Premium2020 Premium% Change
Catastrophic$363$330-9.07%
Bronze$404$361-10.55%
Expanded Bronze$397$3980.17%
Silver$500$486-2.79%
Gold$566$547-3.42%
2018 and 2020 premiums are for a 40-year-old adult.

Short-term health insurance in Texas

Texas residents have the option of purchasing short-term health insurance. The state follows federal guidelines for this type of plan, meaning policyholders may purchase coverage for one year and renew policies for up to 36 months.

Federal regulations also do not require short-term health insurance to cover the essential health benefits — such as mental health services, maternity care and prescription drugs. For this reason, if you are considering purchasing a short-term plan, you should make sure it will cover your health needs. Additionally, a short-term health insurance company will require you to take a medical exam and you can be denied coverage due to a pre-existing condition.

Find the Cheapest Health Insurance Quotes in Your Area

Currently insured?
{"id":4,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"health","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_best-cheap-health-insurance-texas","title":"Find the Cheapest Health Insurance Quotes in Your Area","vendor":"vp"}

Best cheap health insurance companies in Texas

There are currently eight health insurance companies on the Texas state exchange, which is the same as the previous year.

Health Insurance Companies in Texas

  • Blue Cross Blue Shield of Texas
  • FirstCare Health Plans
  • CHRISTUS Health Plan
  • Community Health Choice, Inc.
  • Celtic Insurance Company
  • Sendero Health Plans, Inc.
  • Oscar Insurance Company
  • Molina Healthcare of Texas, Inc.

Cheapest health insurance plan by county

For the average consumer looking for a Silver health plan, we've created a list of the cheapest option for each county in Texas, as well as sample quotes for families of different sizes.

CountyCheapest PlanAge 40Couple, Age 40Couple, Age 40 + Child
AndersonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
AndrewsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
AngelinaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
AransasCHP TX Silver HD - Two Free PCP Visits$482$965$1,052
ArcherBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$585$1,171$1,276
ArmstrongBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$496$992$1,081
AtascosaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$475$951$1,037
AustinCommunity Health Choice HMO Silver 009$464$928$1,012
BaileyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BanderaAmbetter Balanced Care 11 (2020)$415$830$904
BastropAmbetter Balanced Care 11 (2020)$456$912$994
BaylorBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BeeCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
BellAmbetter Balanced Care 5 (2020)$448$896$976
BexarAmbetter Balanced Care 5 (2020)$406$812$885
BlancoAmbetter Balanced Care 11 (2020)$376$753$820
BordenBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BosqueBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BowieCHP TX Silver HD - Two Free PCP Visits$493$987$1,076
BrazoriaAmbetter Balanced Care 11 (2020)$389$779$849
BrazosAmbetter Balanced Care 11 (2020)$448$896$977
BrewsterBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BriscoeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BrooksAmbetter Balanced Care 11 (2020)$376$753$820
BrownBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
BurlesonAmbetter Balanced Care 11 (2020)$448$896$977
BurnetAmbetter Balanced Care 11 (2020)$376$753$820
CaldwellAmbetter Balanced Care 11 (2020)$456$912$994
CalhounBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$532$1,065$1,160
CallahanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$493$986$1,075
CameronAmbetter Balanced Care 11 (2020)$386$772$841
CampBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CarsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$496$992$1,081
CassCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
CastroBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ChambersCommunity Health Choice HMO Silver 009$464$928$1,012
CherokeeCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
ChildressBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ClayBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$585$1,171$1,276
CochranBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CokeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ColemanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CollinConstant Care Silver 2 250$408$816$889
CollingsworthBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ColoradoBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ComalCHP TX Silver HD - Two Free PCP Visits$398$796$867
ComancheBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ConchoAmbetter Balanced Care 11 (2020)$376$753$820
CookeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CoryellBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$477$954$1,040
CottleBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CraneBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CrockettBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
CrosbyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$536$1,072$1,168
CulbersonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DallamBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DallasConstant Care Silver 2 250$408$816$889
DawsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
De WittBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Deaf SmithBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DeltaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$520$1,040$1,133
DentonOscar Saver Silver$411$822$896
DickensBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DimmitBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DonleyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
DuvalBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
EastlandBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
EctorBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$478$957$1,043
EdwardsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
El PasoAmbetter Balanced Care 5 (2020)$395$789$860
EllisBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$520$1,040$1,133
ErathBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FallsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FanninBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FayetteAmbetter Balanced Care 11 (2020)$376$753$820
FisherBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FloydBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FoardBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Fort BendAmbetter Balanced Care 11 (2020)$389$779$849
FranklinCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
FreestoneBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
FrioBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GainesBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GalvestonOscar Saver Silver$416$832$906
GarzaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GillespieAmbetter Balanced Care 11 (2020)$376$753$820
GlasscockBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GoliadBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$532$1,065$1,160
GonzalesBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GrayBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
GraysonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$540$1,080$1,177
GreggCHP TX Silver HD - Two Free PCP Visits$456$913$995
GrimesAmbetter Balanced Care 11 (2020)$376$753$820
GuadalupeCHP TX Silver HD - Two Free PCP Visits$398$796$867
HaleBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HallBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HamiltonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HansfordBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HardemanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HardinCHP TX Silver HD - Two Free PCP Visits$452$903$985
HarrisAmbetter Balanced Care 5 (2020)$381$762$831
HarrisonCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
HartleyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HaskellBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HaysAmbetter Balanced Care 5 (2020)$446$892$973
HemphillBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HendersonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HidalgoAmbetter Balanced Care 11 (2020)$399$799$871
HillBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HockleyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HoodBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HopkinsCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
HoustonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HowardBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HudspethBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
HuntAmbetter Balanced Care 11 (2020)$419$838$913
HutchinsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
IrionBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$546$1,092$1,191
JackBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
JacksonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
JasperCommunity Health Choice HMO Silver 009$464$928$1,012
Jeff DavisBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
JeffersonConstant Care Silver 2 250$404$807$880
Jim HoggBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Jim WellsCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
JohnsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$520$1,040$1,133
JonesBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$493$986$1,075
KarnesCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
KaufmanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$520$1,040$1,133
KendallAmbetter Balanced Care 11 (2020)$415$830$904
KenedyCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
KentBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
KerrAmbetter Balanced Care 11 (2020)$376$753$820
KimbleBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
KingBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
KinneyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
KlebergCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
KnoxBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
La SalleBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LamarBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LambBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LampasasBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$477$954$1,040
LavacaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LeeAmbetter Balanced Care 11 (2020)$376$753$820
LeonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LibertyCommunity Health Choice HMO Silver 009$464$928$1,012
LimestoneBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LipscombBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Live OakCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
LlanoAmbetter Balanced Care 11 (2020)$376$753$820
LovingBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
LubbockBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$536$1,072$1,168
LynnBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MadisonAmbetter Balanced Care 11 (2020)$376$753$820
MarionCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
MartinBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MasonAmbetter Balanced Care 11 (2020)$376$753$820
MatagordaCommunity Health Choice HMO Silver 009$464$928$1,012
MaverickBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MccullochAmbetter Balanced Care 11 (2020)$376$753$820
MclennanAmbetter Balanced Care 11 (2020)$417$835$910
McmullenBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MedinaAmbetter Balanced Care 11 (2020)$415$830$904
MenardAmbetter Balanced Care 11 (2020)$376$753$820
MidlandBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$459$917$1000
MilamBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MillsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MitchellBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MontagueBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MontgomeryAmbetter Balanced Care 11 (2020)$389$779$849
MooreBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
MorrisCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
MotleyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
NacogdochesBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
NavarroBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
NewtonCommunity Health Choice HMO Silver 009$464$928$1,012
NolanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
NuecesAmbetter Balanced Care 5 (2020)$443$885$965
OchiltreeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
OldhamBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
OrangeCommunity Health Choice HMO Silver 009$464$928$1,012
Palo PintoBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
PanolaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ParkerAmbetter Balanced Care 11 (2020)$419$838$913
ParmerBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
PecosBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
PolkCommunity Health Choice HMO Silver 009$464$928$1,012
PotterAmbetter Balanced Care 5 (2020)$395$789$860
PresidioBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RainsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RandallAmbetter Balanced Care 5 (2020)$395$789$860
ReaganBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RealBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Red RiverCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
ReevesBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RefugioCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
RobertsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RobertsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$505$1,010$1,100
RockwallOscar Saver Silver$411$822$896
RunnelsBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
RuskBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$459$919$1,002
SabineBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
San AugustineBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
San JacintoCommunity Health Choice HMO Silver 009$464$928$1,012
San PatricioCHP TX Silver HD - Two Free PCP Visits$482$965$1,052
San SabaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
SchleicherBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ScurryBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ShackelfordBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ShelbyBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ShermanBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
SmithBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$470$940$1,025
SomervellBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
StarrAmbetter Balanced Care 11 (2020)$376$753$820
StephensBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
SterlingBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
StonewallBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
SuttonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
SwisherBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
TarrantAmbetter Balanced Care 5 (2020)$410$820$893
TaylorBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$493$986$1,075
TerrellBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
TerryBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ThrockmortonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
TitusCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
Tom GreenBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$546$1,092$1,191
TravisAmbetter Balanced Care 5 (2020)$446$892$973
TrinityBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
TylerCommunity Health Choice HMO Silver 009$464$928$1,012
UpshurCHP TX Silver HD - Two Free PCP Visits$456$913$995
UptonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
UvaldeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Val VerdeBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
Van ZandtBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
VictoriaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$532$1,065$1,160
WalkerCommunity Health Choice HMO Silver 009$464$928$1,012
WallerCommunity Health Choice HMO Silver 009$464$928$1,012
WardBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
WashingtonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
WebbAmbetter Balanced Care 5 (2020)$337$675$735
WhartonCommunity Health Choice HMO Silver 009$464$928$1,012
WheelerBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
WichitaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$585$1,171$1,276
WilbargerBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
WillacyAmbetter Balanced Care 11 (2020)$376$753$820
WilliamsonAmbetter Balanced Care 5 (2020)$446$892$973
WilsonBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$475$951$1,037
WinklerBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
WiseBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$520$1,040$1,133
WoodCHP TX Silver HD - Two Free PCP Visits$493$986$1,075
YoakumBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
YoungBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ZapataBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077
ZavalaBlue Advantage Silver HMO? 205 - Two $25 PCP Visits$494$988$1,077

Average cost of health insurance by family size in Texas

The cost of a health insurance plan in Texas will vary based on your chosen policy, household income and the size of your family. Each family member added to your policy will increase your monthly health insurance premiums by a certain amount based upon their age.

For instance, children ages 14 and younger cost $285 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $491 to insure. So a family of five would pay $587 more per month for a health plan than a family of three.

Family SizeAverage monthly cost of health plan
Individual + Child$785
Couple Age 40$982
Family of three (Adult couple and a child)$1,070
Family of four (Adult couple and two children)$1,364
Family of five (Adult couple and three children)$1,657
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Texas.

Methodology

Texas health insurance premiums and plans found in the above report were aggregated from Public Use Files (PUF) on the Centers for Medicare & Medicaid Services government website. Using the rates and premiums for each plan, averages were calculated for a variety of variables such as by metal tier, family size or county.

Comments and Questions

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.