Health Insurance Plans in Texas
Browse ACA Marketplace plans available to Texas residents on the federal exchange. 109 plans available for 2026. Starting from $384/month.
Lowest Monthly Premium
$384/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$474/mo
27 plans available
Avg Silver (Benchmark)
$699/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Austin, TX
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$474/mo avg
from $384 – $602
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$699/mo avg
from $540 – $961
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$619/mo avg
from $507 – $822
Lowest-Premium Plans Available
Sample plans near Austin — enter your ZIP for exact results
Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist
Sendero Health Plans, Local Nonprofit
$384/mo
Ded: $7,500
BSW Savers Bronze HMO H S A 006
Baylor Scott and White Health Plan
$388/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
$395/mo
Ded: $7,500
BSW Savers Bronze HMO H S A 009 (One free PCP visit, $0 Pediatric PCP visits)
Baylor Scott and White Health Plan
$399/mo
Ded: $5,300
UHC Bronze Essential ($0 Virtual Urgent Care)
UnitedHealthcare
$400/mo
Ded: $10,600
Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs
Sendero Health Plans, Local Nonprofit
$408/mo
Ded: $8,550
Imperial Preferred Bronze
Imperial Insurance Companies, Inc.
$414/mo
Ded: $9,200
UHC Bronze Standard
UnitedHealthcare
$418/mo
Ded: $7,500
UHC Bronze Standard+ (Dental + Vision)
UnitedHealthcare
$432/mo
Ded: $7,500
MyBlue Health Bronze℠ Standard
Blue Cross and Blue Shield of Texas
$438/mo
Ded: $7,500
Prices shown are for a 30-year-old near Austin without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Texas?
Approximately 109 ACA Marketplace plans are available in Texas for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Texas?
For a 30-year-old without subsidies, the cheapest plan near Austin starts at about $384/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Texas use HealthCare.gov?
Yes — Texas is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Texas averages $699/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Texas
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.