Best Cheap Health Insurance in Texas 2018

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. Overall, the companies with the cheapest health plans in Texas are Celtic Insurance Company (Ambetter), Oscar Health and Molina Healthcare of Texas. Of all the companies servicing Texas, Blue Cross and 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 and Blue Shield plans, 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 BCBS in most counties, and as a Silver plan qualifies for additional subsidies for low-income families.

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 planDeductibleOut-of-pocket maximumMonthly cost for 40-year-old
CatastrophicSimple Secure$7,350$7,350$191
BronzeSimple Bronze$7,350$7,350$256
Expanded BronzeMolina Marketplace Choice Bronze Plan$6,400$7,350$256
SilverAmbetter Balanced Care 5 (2018)$7,350$7,350$295
GoldAmbetter Secure Care 1 (2018) with 3 Free PCP Visits$1,000$6,350$342

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 $92 per month for a Bronze plan but $123 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 the 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 2018, this is $7,350 for an individual and $14,700 for a household. Consumers might find the lower premiums very appealing, but keep in mind these plans will generally offer 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.

Best Cheap Health Insurance Companies in Texas

There are currently eight health insurance companies on the Texas state exchange, which is two fewer than last year. Prominence HealthFirst and Humana stopped offering health plans through the state marketplace.

Health Insurance Companies in Texas

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

Aside from Blue Cross and Blue Shield, none of these insurers offer health plans in every Texas county, so your options may be limited.

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 Silver planSingle adult, age 40Couple, age 40Couple, age 40, and child
AndersonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
AndrewsSilver 100% H S A$539$1,078$1,401
AngelinaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
AransasCHP TX Silver HD$478$955$1,241
ArcherBlue Advantage Silver HMO 205 - Two $25 PCP Visits$619$1,239$1,609
ArmstrongSilver 100% H S A$501$1,003$1,303
AtascosaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$559$1,118$1,453
AustinBlue Advantage Silver HMO 205 - Two $25 PCP Visits$545$1,089$1,415
BaileyBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
BanderaAmbetter Balanced Care 5 (2018)$426$852$1,107
BastropIdealCare Complete by Sendero Health Plans$455$909$1,181
BaylorBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
BeeCHP TX Silver HD$458$916$1,190
BellAmbetter Balanced Care 5 (2018)$433$865$1,124
BexarSaver Silver$369$737$958
BlancoAmbetter Balanced Care 5 (2018)$295$590$767
BordenSilver 100% H S A$539$1,078$1,401
BosqueSilver 100% H S A$539$1,078$1,401
BowieCHP TX Silver HD$457$914$1,188
BrazoriaAmbetter Balanced Care 5 (2018)$390$779$1,012
BrazosAmbetter Balanced Care 5 (2018)$403$805$1,046
BrewsterSilver 100% H S A$539$1,078$1,401
BriscoeSilver 100% H S A$539$1,078$1,401
BrooksAmbetter Balanced Care 5 (2018)$295$590$767
BrownBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
BurlesonAmbetter Balanced Care 5 (2018)$403$805$1,046
BurnetAmbetter Balanced Care 5 (2018)$295$590$767
CaldwellIdealCare Complete by Sendero Health Plans$455$909$1,181
CalhounBlue Advantage Silver HMO 205 - Two $25 PCP Visits$556$1,112$1,445
CallahanSilver 100% H S A$520$1,041$1,352
CameronAmbetter Balanced Care 5 (2018)$347$693$901
CampBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
CarsonSilver 100% H S A$501$1,003$1,303
CassCHP TX Silver HD$458$916$1,190
CastroSilver 100% H S A$539$1,078$1,401
ChambersCommunity Health Choice HMO Silver 004$460$919$1,194
CherokeeCHP TX Silver HD$458$916$1,190
ChildressSilver 100% H S A$539$1,078$1,401
ClayBlue Advantage Silver HMO 205 - Two $25 PCP Visits$619$1,239$1,609
CochranBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
CokeSilver 100% H S A$539$1,078$1,401
ColemanSilver 100% H S A$539$1,078$1,401
CollinMolina Marketplace Silver Plan$411$823$1,069
CollingsworthSilver 100% H S A$539$1,078$1,401
ColoradoBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ComalSaver Silver$369$737$958
ComancheSilver 100% H S A$539$1,078$1,401
ConchoAmbetter Balanced Care 5 (2018)$295$590$767
CookeBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
CoryellBlue Advantage Silver HMO 205 - Two $25 PCP Visits$526$1,052$1,367
CottleSilver 100% H S A$539$1,078$1,401
CraneSilver 100% H S A$539$1,078$1,401
CrockettBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
CrosbySilver 100% H S A$539$1,078$1,401
CulbersonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
DallamSilver 100% H S A$539$1,078$1,401
DallasMolina Marketplace Silver Plan$411$823$1,069
DawsonSilver 100% H S A$539$1,078$1,401
DeWittBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Deaf SmithSilver 100% H S A$539$1,078$1,401
DeltaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
DentonAmbetter Balanced Care 5 (2018)$415$830$1,079
DickensSilver 100% H S A$539$1,078$1,401
DimmitBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
DonleySilver 100% H S A$539$1,078$1,401
DuvalBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
EastlandSilver 100% H S A$539$1,078$1,401
EctorSilver 100% H S A$488$976$1,268
EdwardsBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
El PasoAmbetter Balanced Care 5 (2018)$380$760$987
EllisBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
ErathBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
FallsSilver 100% H S A$539$1,078$1,401
FanninBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
FayetteAmbetter Balanced Care 5 (2018)$295$590$767
FisherSilver 100% H S A$539$1,078$1,401
FloydSilver 100% H S A$539$1,078$1,401
FoardBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Fort BendAmbetter Balanced Care 5 (2018)$390$779$1,012
FranklinBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
FreestoneSilver 100% H S A$539$1,078$1,401
FrioBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
GainesSilver 100% H S A$539$1,078$1,401
GalvestonCommunity Health Choice HMO Silver 004$460$919$1,194
GarzaSilver 100% H S A$539$1,078$1,401
GillespieAmbetter Balanced Care 5 (2018)$295$590$767
GlasscockSilver 100% H S A$539$1,078$1,401
GoliadBlue Advantage Silver HMO 205 - Two $25 PCP Visits$556$1,112$1,445
GonzalesBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
GraySilver 100% H S A$539$1,078$1,401
GraysonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$583$1,166$1,514
GreggBlue Advantage Silver HMO 205 - Two $25 PCP Visits$540$1,080$1,404
GrimesAmbetter Balanced Care 5 (2018)$295$590$767
GuadalupeBlue Advantage Silver HMO 205 - Two $25 PCP Visits$559$1,118$1,453
HaleSilver 100% H S A$539$1,078$1,401
HallSilver 100% H S A$539$1,078$1,401
HamiltonSilver 100% H S A$539$1,078$1,401
HansfordSilver 100% H S A$539$1,078$1,401
HardemanBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HardinCHP TX Silver HD$494$989$1,285
HarrisAmbetter Balanced Care 5 (2018)$390$779$1,012
HarrisonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HartleySilver 100% H S A$539$1,078$1,401
HaskellSilver 100% H S A$539$1,078$1,401
HaysSaver Silver$404$807$1,049
HemphillSilver 100% H S A$539$1,078$1,401
HendersonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HidalgoAmbetter Balanced Care 5 (2018)$319$638$829
HillSilver 100% H S A$539$1,078$1,401
HockleySilver 100% H S A$539$1,078$1,401
HoodBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HopkinsBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HoustonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HowardSilver 100% H S A$539$1,078$1,401
HudspethBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
HuntBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
HutchinsonSilver 100% H S A$539$1,078$1,401
IrionBlue Advantage Silver HMO 205 - Two $25 PCP Visits$622$1,243$1,616
JackBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
JacksonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
JasperCHP TX Silver HD$458$916$1,190
Jeff DavisBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
JeffersonClassic Silver$407$815$1,058
Jim HoggBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Jim WellsCHP TX Silver HD$458$916$1,190
JohnsonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
JonesSilver 100% H S A$520$1,041$1,352
KarnesCHP TX Silver HD$458$916$1,190
KaufmanBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
KendallAmbetter Balanced Care 5 (2018)$426$852$1,107
KenedyCHP TX Silver HD$458$916$1,190
KentSilver 100% H S A$539$1,078$1,401
KerrAmbetter Balanced Care 5 (2018)$295$590$767
KimbleBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
KingSilver 100% H S A$539$1,078$1,401
KinneyBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
KlebergCHP TX Silver HD$458$916$1,190
KnoxSilver 100% H S A$539$1,078$1,401
La SalleBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
LamarBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
LambSilver 100% H S A$539$1,078$1,401
LampasasBlue Advantage Silver HMO 205 - Two $25 PCP Visits$526$1,052$1,367
LavacaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
LeeAmbetter Balanced Care 5 (2018)$295$590$767
LeonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
LibertyCommunity Health Choice HMO Silver 004$460$919$1,194
LimestoneSilver 100% H S A$539$1,078$1,401
LipscombSilver 100% H S A$539$1,078$1,401
Live OakCHP TX Silver HD$458$916$1,190
LlanoAmbetter Balanced Care 5 (2018)$295$590$767
LovingSilver 100% H S A$539$1,078$1,401
LubbockSilver 100% H S A$539$1,078$1,401
LynnSilver 100% H S A$539$1,078$1,401
MadisonAmbetter Balanced Care 5 (2018)$295$590$767
MarionBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MartinSilver 100% H S A$539$1,078$1,401
MasonAmbetter Balanced Care 5 (2018)$295$590$767
MatagordaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MaverickBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
McCullochAmbetter Balanced Care 5 (2018)$295$590$767
McLennanAmbetter Balanced Care 5 (2018)$335$670$870
McMullenBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MedinaAmbetter Balanced Care 5 (2018)$426$852$1,107
MenardAmbetter Balanced Care 5 (2018)$295$590$767
MidlandSilver 100% H S A$523$1,046$1,359
MilamBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MillsSilver 100% H S A$539$1,078$1,401
MitchellSilver 100% H S A$539$1,078$1,401
MontagueBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MontgomeryAmbetter Balanced Care 5 (2018)$390$779$1,012
MooreSilver 100% H S A$539$1,078$1,401
MorrisBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
MotleySilver 100% H S A$539$1,078$1,401
NacogdochesBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
NavarroSilver 100% H S A$539$1,078$1,401
NewtonCHP TX Silver HD$458$916$1,190
NolanSilver 100% H S A$539$1,078$1,401
NuecesCHP TX Silver HD$478$955$1,241
OchiltreeSilver 100% H S A$539$1,078$1,401
OldhamSilver 100% H S A$539$1,078$1,401
OrangeCommunity Health Choice HMO Silver 004$460$919$1,194
Palo PintoBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
PanolaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ParkerBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
ParmerSilver 100% H S A$539$1,078$1,401
PecosSilver 100% H S A$539$1,078$1,401
PolkBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
PotterSilver 100% H S A$501$1,003$1,303
PresidioBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
RainsBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
RandallSilver 100% H S A$501$1,003$1,303
ReaganSilver 100% H S A$539$1,078$1,401
RealBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Red RiverCHP TX Silver HD$458$916$1,190
ReevesSilver 100% H S A$539$1,078$1,401
RefugioCHP TX Silver HD$458$916$1,190
RobertsSilver 100% H S A$539$1,078$1,401
RobertsonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$563$1,127$1,464
RockwallAmbetter Balanced Care 5 (2018)$415$830$1,079
RunnelsSilver 100% H S A$539$1,078$1,401
RuskBlue Advantage Silver HMO 205 - Two $25 PCP Visits$540$1,080$1,404
SabineBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
San AugustineBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
San JacintoBlue Advantage Silver HMO 205 - Two $25 PCP Visits$545$1,089$1,415
San PatricioCHP TX Silver HD$478$955$1,241
San SabaSilver 100% H S A$539$1,078$1,401
SchleicherBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ScurrySilver 100% H S A$539$1,078$1,401
ShackelfordSilver 100% H S A$539$1,078$1,401
ShelbyBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ShermanSilver 100% H S A$539$1,078$1,401
SmithBlue Advantage Silver HMO 205 - Two $25 PCP Visits$524$1,048$1,362
SomervellSilver 100% H S A$539$1,078$1,401
StarrMolina Marketplace Silver Plan$391$783$1,017
StephensSilver 100% H S A$539$1,078$1,401
SterlingBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
StonewallSilver 100% H S A$539$1,078$1,401
SuttonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
SwisherSilver 100% H S A$539$1,078$1,401
TarrantAmbetter Balanced Care 5 (2018)$415$830$1,079
TaylorSilver 100% H S A$520$1,041$1,352
TerrellBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
TerrySilver 100% H S A$539$1,078$1,401
ThrockmortonSilver 100% H S A$539$1,078$1,401
TitusBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Tom GreenBlue Advantage Silver HMO 205 - Two $25 PCP Visits$622$1,243$1,616
TravisSaver Silver$404$807$1,049
TrinityBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
TylerCHP TX Silver HD$458$916$1,190
UpshurBlue Advantage Silver HMO 205 - Two $25 PCP Visits$540$1,080$1,404
UptonSilver 100% H S A$539$1,078$1,401
UvaldeBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Val VerdeBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
Van ZandtBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
VictoriaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$556$1,112$1,445
WalkerBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
WallerCommunity Health Choice HMO Silver 004$460$919$1,194
WardSilver 100% H S A$539$1,078$1,401
WashingtonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
WebbMolina Marketplace Silver Plan$387$775$1,007
WhartonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
WheelerSilver 100% H S A$539$1,078$1,401
WichitaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$619$1,239$1,609
WilbargerBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
WillacyAmbetter Balanced Care 5 (2018)$295$590$767
WilliamsonSaver Silver$404$807$1,049
WilsonBlue Advantage Silver HMO 205 - Two $25 PCP Visits$559$1,118$1,453
WinklerSilver 100% H S A$539$1,078$1,401
WiseBlue Advantage Silver HMO 205 - Two $25 PCP Visits$570$1,140$1,481
WoodCHP TX Silver HD$458$916$1,190
YoakumSilver 100% H S A$539$1,078$1,401
YoungBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ZapataBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426
ZavalaBlue Advantage Silver HMO 205 - Two $25 PCP Visits$549$1,097$1,426

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 age 14 and younger cost an average of $300 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $500 to insure. So a family of five would pay $599 more per month for a health plan than a family of three.

Family SizeAverage Monthly Cost of Health Plan
Single adult$500
Adult couple$1,000
Family of three (adult couple and a child)$1,299
Family of four (adult couple and two children)$1,599
Family of five (adult couple and three children)$1,898
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Texas.

Comments and Questions