Texas Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Texas. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$510/mo
Age 40, before credits
Avg Deductible
$4,600
Silver plan
Medicaid
Not Expanded
Gap may exist
Insurers
8
On marketplace
Advertisement
Top Health Insurers in Texas
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
Advertisement
Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •No Medicaid expansion — coverage gap for adults earning below 100% FPL
- •ACA subsidies available above poverty line via HealthCare.gov
Texas Health Insurance Facts
Texas has the highest uninsured rate in the US at ~17%.
No Medicaid expansion — 1.5 million adults fall in the coverage gap.
Despite no expansion, Texas has 3 million ACA marketplace enrollees.
Advertisement