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Texas

Texas Health Insurance Marketplace 2026

Compare 834 health insurance plans on the Texas Marketplace from 15 insurers. See premiums by metal tier and estimate your subsidy in under a minute.

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Texas Marketplace key facts for 2026

In Texas, 834 ACA Marketplace health insurance plans from 15 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $352/month, Silver plans at $540/month, Gold plans at $467/month, and Catastrophic plans at $320/month. The lowest-priced plan overall is CHRISTUS Catastrophic (3 Free PCP visits) from CHRISTUS Health Plan at $320/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.

Lowest-cost plan by tier in Texas

Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.

Catastrophic
CHRISTUS Catastrophic (3 Free PCP visits)
CHRISTUS Health Plan

$320/mo

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Bronze
Imperial Preferred Bronze
Imperial Insurance Companies, Inc.

$385/mo

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Expanded Bronze
BSW Savers Bronze HMO H S A 006
Baylor Scott and White Health Plan

$352/mo

View plan
Silver
MyBlue Health Silver℠ 405
Blue Cross and Blue Shield of Texas

$540/mo

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Gold
MyBlue Health Gold℠ 403
Blue Cross and Blue Shield of Texas

$467/mo

View plan

Browse 2026 Texas plans by metal tier

Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.

Bronze
Bronze plans in Texas
225 plans · from $352/mo
View bronze plans
Silver
Silver plans in Texas
303 plans · from $540/mo
View silver plans
Gold
Gold plans in Texas
277 plans · from $467/mo
View gold plans
Catastrophic
Catastrophic plans in Texas
29 plans · from $320/mo
View catastrophic plans

Insurers offering 2026 plans in Texas

Ambetter from Superior HealthPlanBaylor Scott and White Health PlanBlue Cross and Blue Shield of TexasCHRISTUS Health PlanCigna HealthcareCommunity FirstCommunity Health ChoiceHarbor HealthImperial Insurance Companies, Inc.Moda Health Plan, Inc.Molina HealthcareOscar Insurance CompanySendero Health Plans, Local NonprofitUnitedHealthcareWellPoint

Texas health insurance FAQ

How much does health insurance cost in Texas?
2026 Marketplace premiums in Texas vary by age, plan tier, and where you live. The lowest-cost plans start around $320/month before any subsidy for a 40-year-old. Most enrollees qualify for a premium tax credit that lowers this significantly.
How do I enroll in the Texas health insurance Marketplace?
You enroll through the ACA Marketplace during Open Enrollment, or at any point in the year if you have a qualifying life event such as losing job-based coverage, moving, marriage, or a new baby. Compare Texas plans and estimate your subsidy first so you know your net premium before you apply.
What health insurance companies sell Marketplace plans in Texas?
Ambetter from Superior HealthPlan, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, Cigna Healthcare, Community First, Community Health Choice, Harbor Health, and 7 more offer ACA Marketplace plans in Texas for 2026.
Do I qualify for a subsidy in Texas?
Most Texas residents who buy their own insurance qualify for a premium tax credit based on household income and size. Use the PlanVoyager estimator to see your subsidy and net premium.

From our research

See how Texas compares nationally: how much premiums increased for 2026 in every state and where Texas ranks on 2026 Marketplace premiums.

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Find your best plan in Texas

Enter your ZIP, household, and income to see your real premiums after subsidy and compare every plan available where you live.

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