Health Insurance in Rockwall County, TX — 2026 Plans & Premiums
120 ACA marketplace plans are available in Rockwall County, TX, from 2 insurers. The cheapest plan starts at $365.48/month before subsidies.
120
Plans Available
$365.48
Cheapest Plan/mo
2
Insurers
HealthCare.gov
Exchange
Insurers Serving Rockwall
Plans Available in Rockwall
Sorted by monthly premium · 30-year-old · Before subsidies
Wellpoint Essential Catastrophic (+ Incentives)
WellPoint
$365.48/mo
Ded: $10,600
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
$384.67/mo
Ded: $6,000
Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
$389.90/mo
Ded: $7,500
Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs)
WellPoint
$391.06/mo
Ded: $6,000
BSW Savers Bronze HMO H S A 006
Baylor Scott and White Health Plan
$392.36/mo
Ded: $8,000
BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay)
Baylor Scott and White Health Plan
$398.64/mo
Ded: $7,500
Wellpoint Essential Bronze 4000 HSA (+ Incentives)
WellPoint
$401.53/mo
Ded: $4,000
BSW Savers Bronze HMO H S A 009 (One free PCP visit, $0 Pediatric PCP visits)
Baylor Scott and White Health Plan
$403.30/mo
Ded: $5,300
Average Premiums in Rockwall
Avg Bronze Plan
$472/mo
31 plans
Avg Silver (Subsidy Benchmark)
$652/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Texas
What is the health insurance marketplace in Texas?
The Texas (TX) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 120 Texas plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Texas?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Texas start from $365.48/month before subsidies.
Which Medicaid plan is best in Texas?
Texas has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Texas Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in Texas?
Short-term health insurance is sold outside the ACA Marketplace in Texas by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in TX?
Health insurance in TX starts as low as $365.48/month for a 30-year-old on a Bronze plan before subsidies. Most Texas residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in TX for 2026?
The cheapest ACA option in TX for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Texas plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Texas for ACA plans?
Open Enrollment for Texas residents runs from November 1 through January 15. Texas uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Texas?
Bronze-tier plans in Texas start as low as $365.48/month for a 30-year-old before subsidies. With APTC tax credits, many Texas residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Texas use HealthCare.gov or its own state exchange?
Texas uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Texas residents.
Has Texas expanded Medicaid under the ACA?
No. Texas has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level — they typically don't qualify for Medicaid OR Marketplace tax credits. Texas Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Texas?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Texas residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Texas (Bronze, Silver, Gold, Platinum)?
Texas ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Texas?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Texas through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Texas ACA plans cover dental and vision?
Texas ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Texas plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Texas?
Outside Open Enrollment, Texas residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Texas?
Each Texas ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Rockwall
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Rockwall compares to the Texas state average.
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