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Best Cheap Health Insurance in Texas 2021

Best Cheap Health Insurance in Texas 2021

Find Cheap Health Insurance Quotes in Texas

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The average cost of health insurance in Texas for a 40-year-old is $509 per month, which is a 4% increase over last year. The Ambetter Balanced Care 29 (2021) plan was often the cheapest Silver health insurance available in the state. This plan was the cheapest in 43% of Texas's counties. Alternatively, the Blue Advantage Silver HMO℠ 205 plan may be another cheap alternative.

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 10 companies offering plans on the exchanges, although not all companies offer plans in every county.

Cheapest health insurance coverage by metal tier

To help you get started finding the best health insurance plan available for your preferred level of coverage, we compared Texas policies by metal tier and identified the cheapest health insurance 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
CatastrophicFriday Catastrophic$8,550$8,550$236
BronzeFriday Bronze$8,550$8,550$256
Expanded BronzeFriday Bronze Plus$8,550$8,550$271
SilverMyBlue Health Silver 405$3,300$8,550$381
GoldBlue Advantage Gold HMO 206$7,500$8,550$506

However, that 40-year-old would pay rates that were 53% cheaper than what a 60-year-old would pay for the same coverage.

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 the 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 cheaper copays, deductibles and coinsurance compared to 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 $8,150 for an individual and $16,300 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 prices of every metal plan increased from 2020 to 2021. The highest increase affected Gold plans, which rose by 11%. Catastrophic plans increased by 2%, the lowest increase among the metal tiers.

Metal tier20202021Change
Catastrophic$331$3362%
Bronze$363$3938%
Expanded Bronze$400$4277%
Silver$491$5094%
Gold$546$60711%
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 Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Texas

There are currently 10 health insurance companies on the Texas state exchange, which is the same as the previous year.

Health Insurance Companies in Texas

  • Blue Cross and Blue Shield of Texas
  • FirstCare Health Plans
  • Ambetter from Superior HealthPlan
  • CHRISTUS Health Plan
  • Community Health Choice
  • Sendero Health Plans, Local Nonprofit
  • Scott and White Health Plan
  • Oscar Insurance Co.
  • Molina Healthcare
  • Friday Health Plans

Cheapest health insurance plan by county

For the average consumer looking for a Silver health plan, we've created a list of the cheapest options 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$505$1,010$1,313
AndrewsBlue Advantage Silver HMO℠ 205$505$1,010$1,313
AngelinaBlue Advantage Silver HMO℠ 205$505$1,010$1,313
AransasCHP TX Basic Silver - Two Free PCP Visits$453$905$1,176
ArcherBlue Advantage Silver HMO℠ 205$597$1,193$1,550
ArmstrongAmbetter Balanced Care 29 (2021)$452$904$1,174
AtascosaAmbetter Balanced Care 29 (2021)$434$869$1,129
AustinAmbetter Balanced Care 29 (2021)$413$825$1,072
BaileyBlue Advantage Silver HMO℠ 205$505$1,010$1,313
BanderaAmbetter Balanced Care 29 (2021)$434$869$1,129
BastropAmbetter Balanced Care 29 (2021)$487$975$1,267
BaylorBlue Advantage Silver HMO℠ 205$505$1,010$1,313
BeeCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
BellBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$452$904$1,175
BexarConstant Care Silver 4 250$391$781$1,015
BlancoAmbetter Balanced Care 29 (2021)$470$939$1,221
BordenBlue Advantage Silver HMO℠ 205$505$1,010$1,313
BosqueAmbetter Balanced Care 29 (2021)$470$939$1,221
BowieCHP TX Silver HD - Two Free PCP Visits$521$1,041$1,353
BrazoriaAmbetter Balanced Care 29 (2021)$413$825$1,072
BrazosBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
BrewsterAmbetter Balanced Care 29 (2021)$470$939$1,221
BriscoeBlue Advantage Silver HMO℠ 205$505$1,010$1,313
BrooksAmbetter Balanced Care 29 (2021)$470$939$1,221
BrownAmbetter Balanced Care 29 (2021)$470$939$1,221
BurlesonAmbetter Balanced Care 29 (2021)$484$967$1,257
BurnetBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
CaldwellAmbetter Balanced Care 29 (2021)$487$975$1,267
CalhounAmbetter Balanced Care 29 (2021)$509$1,018$1,323
CallahanBlue Advantage Silver HMO℠ 205$504$1,009$1,310
CameronBlue Advantage Silver HMO℠ 205$420$839$1,091
CampAmbetter Balanced Care 29 (2021)$470$939$1,221
CarsonAmbetter Balanced Care 29 (2021)$452$904$1,174
CassCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
CastroAmbetter Balanced Care 29 (2021)$470$939$1,221
ChambersAmbetter Balanced Care 29 (2021)$413$825$1,072
CherokeeAmbetter Balanced Care 29 (2021)$470$939$1,221
ChildressBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ClayBlue Advantage Silver HMO℠ 205$597$1,193$1,550
CochranBlue Advantage Silver HMO℠ 205$505$1,010$1,313
CokeBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ColemanAmbetter Balanced Care 29 (2021)$470$939$1,221
CollinConstant Care Silver 4 250$420$840$1,092
CollingsworthAmbetter Balanced Care 29 (2021)$470$939$1,221
ColoradoBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ComalCHP TX Basic Silver - Two Free PCP Visits$400$800$1,040
ComancheAmbetter Balanced Care 29 (2021)$470$939$1,221
ConchoAmbetter Balanced Care 29 (2021)$470$939$1,221
CookeAmbetter Balanced Care 29 (2021)$470$939$1,221
CoryellBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$452$904$1,175
CottleBlue Advantage Silver HMO℠ 205$505$1,010$1,313
CraneBlue Advantage Silver HMO℠ 205$505$1,010$1,313
CrockettBlue Advantage Silver HMO℠ 205$505$1,010$1,313
CrosbyBlue Advantage Silver HMO℠ 205$562$1,123$1,459
CulbersonBlue Advantage Silver HMO℠ 205$505$1,010$1,313
DallamAmbetter Balanced Care 29 (2021)$470$939$1,221
DallasMyBlue Health Silver℠ 405$399$799$1,038
DawsonBlue Advantage Silver HMO℠ 205$505$1,010$1,313
De WittAmbetter Balanced Care 29 (2021)$470$939$1,221
Deaf SmithAmbetter Balanced Care 29 (2021)$470$939$1,221
DeltaAmbetter Balanced Care 29 (2021)$447$895$1,162
DentonConstant Care Silver 4 250$420$840$1,092
DickensBlue Advantage Silver HMO℠ 205$505$1,010$1,313
DimmitBlue Advantage Silver HMO℠ 205$505$1,010$1,313
DonleyAmbetter Balanced Care 29 (2021)$470$939$1,221
DuvalBlue Advantage Silver HMO℠ 205$505$1,010$1,313
EastlandBlue Advantage Silver HMO℠ 205$505$1,010$1,313
EctorBlue Advantage Silver HMO℠ 205$488$976$1,268
EdwardsAmbetter Balanced Care 29 (2021)$470$939$1,221
El PasoFriday Silver$397$795$1,033
EllisAmbetter Balanced Care 29 (2021)$447$895$1,162
ErathBlue Advantage Silver HMO℠ 205$505$1,010$1,313
FallsAmbetter Balanced Care 29 (2021)$470$939$1,221
FanninBlue Advantage Silver HMO℠ 205$505$1,010$1,313
FayetteAmbetter Balanced Care 29 (2021)$470$939$1,221
FisherAmbetter Balanced Care 29 (2021)$470$939$1,221
FloydBlue Advantage Silver HMO℠ 205$505$1,010$1,313
FoardBlue Advantage Silver HMO℠ 205$505$1,010$1,313
Fort BendConstant Care Silver 4 250$407$815$1,059
FranklinCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
FreestoneAmbetter Balanced Care 29 (2021)$470$939$1,221
FrioAmbetter Balanced Care 29 (2021)$470$939$1,221
GainesBlue Advantage Silver HMO℠ 205$505$1,010$1,313
GalvestonAmbetter Balanced Care 29 (2021)$413$825$1,072
GarzaBlue Advantage Silver HMO℠ 205$505$1,010$1,313
GillespieAmbetter Balanced Care 29 (2021)$470$939$1,221
GlasscockBlue Advantage Silver HMO℠ 205$505$1,010$1,313
GoliadAmbetter Balanced Care 29 (2021)$509$1,018$1,323
GonzalesAmbetter Balanced Care 29 (2021)$470$939$1,221
GrayBlue Advantage Silver HMO℠ 205$505$1,010$1,313
GraysonAmbetter Balanced Care 29 (2021)$517$1,034$1,343
GreggAmbetter Balanced Care 29 (2021)$427$853$1,109
GrimesAmbetter Balanced Care 29 (2021)$470$939$1,221
GuadalupeCHP TX Basic Silver - Two Free PCP Visits$400$800$1,040
HaleBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HallBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HamiltonAmbetter Balanced Care 29 (2021)$470$939$1,221
HansfordBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HardemanBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HardinCHP TX Basic Silver - Two Free PCP Visits$420$840$1,091
HarrisMyBlue Health Silver℠ 405$381$762$990
HarrisonCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
HartleyAmbetter Balanced Care 29 (2021)$470$939$1,221
HaskellBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HaysAmbetter Balanced Care 29 (2021)$487$975$1,267
HemphillBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HendersonAmbetter Balanced Care 29 (2021)$470$939$1,221
HidalgoConstant Care Silver 4 250$416$832$1,081
HillAmbetter Balanced Care 29 (2021)$470$939$1,221
HockleyBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HoodAmbetter Balanced Care 29 (2021)$470$939$1,221
HopkinsCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
HoustonAmbetter Balanced Care 29 (2021)$470$939$1,221
HowardBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HudspethBlue Advantage Silver HMO℠ 205$505$1,010$1,313
HuntAmbetter Balanced Care 29 (2021)$447$895$1,162
HutchinsonBlue Advantage Silver HMO℠ 205$505$1,010$1,313
IrionAmbetter Balanced Care 29 (2021)$523$1,046$1,359
JackAmbetter Balanced Care 29 (2021)$470$939$1,221
JacksonAmbetter Balanced Care 29 (2021)$470$939$1,221
JasperCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
Jeff DavisBlue Advantage Silver HMO℠ 205$505$1,010$1,313
JeffersonConstant Care Silver 4 250$416$832$1,081
Jim HoggBlue Advantage Silver HMO℠ 205$505$1,010$1,313
Jim WellsCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
JohnsonAmbetter Balanced Care 29 (2021)$447$895$1,162
JonesBlue Advantage Silver HMO℠ 205$504$1,009$1,310
KarnesCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
KaufmanBlue Advantage Silver HMO℠ 205$530$1,061$1,378
KendallAmbetter Balanced Care 29 (2021)$434$869$1,129
KenedyCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
KentBlue Advantage Silver HMO℠ 205$505$1,010$1,313
KerrAmbetter Balanced Care 29 (2021)$470$939$1,221
KimbleAmbetter Balanced Care 29 (2021)$470$939$1,221
KingBlue Advantage Silver HMO℠ 205$505$1,010$1,313
KinneyAmbetter Balanced Care 29 (2021)$470$939$1,221
KlebergCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
KnoxBlue Advantage Silver HMO℠ 205$505$1,010$1,313
La SalleBlue Advantage Silver HMO℠ 205$505$1,010$1,313
LamarBlue Advantage Silver HMO℠ 205$505$1,010$1,313
LambBlue Advantage Silver HMO℠ 205$505$1,010$1,313
LampasasBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$452$904$1,175
LavacaAmbetter Balanced Care 29 (2021)$470$939$1,221
LeeAmbetter Balanced Care 29 (2021)$470$939$1,221
LeonAmbetter Balanced Care 29 (2021)$470$939$1,221
LibertyAmbetter Balanced Care 29 (2021)$413$825$1,072
LimestoneAmbetter Balanced Care 29 (2021)$470$939$1,221
LipscombBlue Advantage Silver HMO℠ 205$505$1,010$1,313
Live OakCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
LlanoBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
LovingBlue Advantage Silver HMO℠ 205$505$1,010$1,313
LubbockFriday Silver$534$1,069$1,388
LynnBlue Advantage Silver HMO℠ 205$505$1,010$1,313
MadisonAmbetter Balanced Care 29 (2021)$470$939$1,221
MarionCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
MartinBlue Advantage Silver HMO℠ 205$505$1,010$1,313
MasonAmbetter Balanced Care 29 (2021)$470$939$1,221
MatagordaAmbetter Balanced Care 29 (2021)$470$939$1,221
MaverickBlue Advantage Silver HMO℠ 205$505$1,010$1,313
MccullochAmbetter Balanced Care 29 (2021)$470$939$1,221
MclennanBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
McmullenBlue Advantage Silver HMO℠ 205$505$1,010$1,313
MedinaAmbetter Balanced Care 29 (2021)$434$869$1,129
MenardAmbetter Balanced Care 29 (2021)$470$939$1,221
MidlandBlue Advantage Silver HMO℠ 205$468$935$1,215
MilamBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
MillsAmbetter Balanced Care 29 (2021)$470$939$1,221
MitchellAmbetter Balanced Care 29 (2021)$470$939$1,221
MontagueAmbetter Balanced Care 29 (2021)$470$939$1,221
MontgomeryConstant Care Silver 4 250$407$815$1,059
MooreBlue Advantage Silver HMO℠ 205$505$1,010$1,313
MorrisCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
MotleyBlue Advantage Silver HMO℠ 205$505$1,010$1,313
NacogdochesAmbetter Balanced Care 29 (2021)$470$939$1,221
NavarroAmbetter Balanced Care 29 (2021)$470$939$1,221
NewtonCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
NolanBlue Advantage Silver HMO℠ 205$505$1,010$1,313
NuecesCHP TX Basic Silver - Two Free PCP Visits$453$905$1,176
OchiltreeBlue Advantage Silver HMO℠ 205$505$1,010$1,313
OldhamAmbetter Balanced Care 29 (2021)$470$939$1,221
OrangeAmbetter Balanced Care 29 (2021)$495$989$1,285
Palo PintoAmbetter Balanced Care 29 (2021)$470$939$1,221
PanolaAmbetter Balanced Care 29 (2021)$470$939$1,221
ParkerAmbetter Balanced Care 29 (2021)$447$895$1,162
ParmerAmbetter Balanced Care 29 (2021)$470$939$1,221
PecosBlue Advantage Silver HMO℠ 205$505$1,010$1,313
PolkBlue Advantage Silver HMO℠ 205$505$1,010$1,313
PotterAmbetter Balanced Care 29 (2021)$452$904$1,174
PresidioBlue Advantage Silver HMO℠ 205$505$1,010$1,313
RainsAmbetter Balanced Care 29 (2021)$470$939$1,221
RandallAmbetter Balanced Care 29 (2021)$452$904$1,174
ReaganBlue Advantage Silver HMO℠ 205$505$1,010$1,313
RealAmbetter Balanced Care 29 (2021)$470$939$1,221
Red RiverCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
ReevesBlue Advantage Silver HMO℠ 205$505$1,010$1,313
RefugioAmbetter Balanced Care 29 (2021)$470$939$1,221
RobertsBlue Advantage Silver HMO℠ 205$505$1,010$1,313
RobertsonAmbetter Balanced Care 29 (2021)$484$967$1,257
RockwallAmbetter Balanced Care 29 (2021)$447$895$1,162
RunnelsBlue Advantage Silver HMO℠ 205$505$1,010$1,313
RuskAmbetter Balanced Care 29 (2021)$427$853$1,109
SabineBlue Advantage Silver HMO℠ 205$505$1,010$1,313
San AugustineBlue Advantage Silver HMO℠ 205$505$1,010$1,313
San JacintoAmbetter Balanced Care 29 (2021)$413$825$1,072
San PatricioCHP TX Basic Silver - Two Free PCP Visits$453$905$1,176
San SabaBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
SchleicherAmbetter Balanced Care 29 (2021)$470$939$1,221
ScurryAmbetter Balanced Care 29 (2021)$470$939$1,221
ShackelfordBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ShelbyBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ShermanAmbetter Balanced Care 29 (2021)$470$939$1,221
SmithAmbetter Balanced Care 29 (2021)$445$891$1,158
SomervellAmbetter Balanced Care 29 (2021)$470$939$1,221
StarrConstant Care Silver 4 250$416$832$1,081
StephensBlue Advantage Silver HMO℠ 205$505$1,010$1,313
SterlingBlue Advantage Silver HMO℠ 205$505$1,010$1,313
StonewallAmbetter Balanced Care 29 (2021)$470$939$1,221
SuttonAmbetter Balanced Care 29 (2021)$470$939$1,221
SwisherBlue Advantage Silver HMO℠ 205$505$1,010$1,313
TarrantFriday Silver$417$834$1,084
TaylorBlue Advantage Silver HMO℠ 205$504$1,009$1,310
TerrellBlue Advantage Silver HMO℠ 205$505$1,010$1,313
TerryBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ThrockmortonBlue Advantage Silver HMO℠ 205$505$1,010$1,313
TitusCHP TX Basic Silver - Two Free PCP Visits$482$964$1,252
Tom GreenBlue Advantage Silver HMO℠ 205$560$1,121$1,456
TravisBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
TrinityAmbetter Balanced Care 29 (2021)$470$939$1,221
TylerAmbetter Balanced Care 29 (2021)$470$939$1,221
UpshurCHP TX Basic Silver - Two Free PCP Visits$433$866$1,125
UptonBlue Advantage Silver HMO℠ 205$505$1,010$1,313
UvaldeBlue Advantage Silver HMO℠ 205$505$1,010$1,313
Val VerdeAmbetter Balanced Care 29 (2021)$470$939$1,221
Van ZandtAmbetter Balanced Care 29 (2021)$470$939$1,221
VictoriaAmbetter Balanced Care 29 (2021)$509$1,018$1,323
WalkerBlue Advantage Silver HMO℠ 205$505$1,010$1,313
WallerAmbetter Balanced Care 29 (2021)$413$825$1,072
WardBlue Advantage Silver HMO℠ 205$505$1,010$1,313
WashingtonBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
WebbBlue Advantage Bronze HMO℠ 204$403$806$1,048
WhartonAmbetter Balanced Care 29 (2021)$470$939$1,221
WheelerAmbetter Balanced Care 29 (2021)$470$939$1,221
WichitaBlue Advantage Silver HMO℠ 205$597$1,193$1,550
WilbargerBlue Advantage Silver HMO℠ 205$505$1,010$1,313
WillacyAmbetter Balanced Care 29 (2021)$470$939$1,221
WilliamsonBSW Prime Silver HMO 008 ($25 PCP visit, $0 Preventive Care and Preventive Rx Drugs)$441$882$1,146
WilsonBlue Advantage Silver HMO℠ 205$496$991$1,288
WinklerBlue Advantage Silver HMO℠ 205$505$1,010$1,313
WiseAmbetter Balanced Care 29 (2021)$447$895$1,162
WoodAmbetter Balanced Care 29 (2021)$470$939$1,221
YoakumBlue Advantage Silver HMO℠ 205$505$1,010$1,313
YoungBlue Advantage Silver HMO℠ 205$505$1,010$1,313
ZapataAmbetter Balanced Care 29 (2021)$470$939$1,221
ZavalaBlue Advantage Silver HMO℠ 205$505$1,010$1,313

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 $305 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $509 to insure. A family of five would pay $610 more per month for a health plan than a family of three.

Family sizeAverage monthly cost of health plan
Individual + child$814
Couple age 40$1,019
Family of three (adult couple and a child)$1,324
Family of four (adult couple and two children)$1,628
Family of five (adult couple and three children)$1,933
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Texas.

Recap of the best cheap health insurance in Texas

  • Catastrophic: Friday Catastrophic
  • Bronze: Friday Bronze
  • Expanded Bronze: Friday Bronze Plus
  • Silver: MyBlue Health Silver 405
  • Gold: Blue Advantage Gold HMO 206

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.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

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.

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