Understanding Health Insurance in Texas
Texas has the highest uninsured rate in the US, but options exist for affordable coverage. Our licensed health insurance specialists help you compare marketplace plans, determine subsidy eligibility, and find coverage that fits your budget and healthcare needs.
Key Benefits
ACA marketplace plan assistance
Short-term health insurance options
Family and individual coverage
HSA-compatible high-deductible plans
Prescription drug coverage
Preventive care at no cost
Frequently Asked Questions
When is open enrollment for health insurance in Texas?
Open enrollment typically runs November 1 - January 15 for ACA marketplace plans. Special enrollment periods are available for qualifying life events like marriage, birth, or job loss. Short-term plans can be purchased year-round.
How much does health insurance cost in Texas?
Average premiums range from $450-700/month for individuals without subsidies. With subsidies, many Texans pay $50-200/month. Costs vary by age, location, plan type, and income. Short-term plans start around $100/month but offer less coverage.
Does Texas have a state health insurance marketplace?
No, Texas uses the federal marketplace at HealthCare.gov. Residents purchase ACA-compliant plans through this federal exchange. Our licensed agents can help you navigate the marketplace and determine subsidy eligibility.
What is the difference between HMO and PPO plans in Texas?
HMOs require choosing a primary care physician and getting referrals for specialists, but have lower premiums. PPOs offer more flexibility to see any provider without referrals, but cost more. Texas has both options available on the marketplace.