Navigating the Texas health insurance landscape can seem like wandering through a medical maze. But fear not! We will explore different insurance companies, highlighting their strengths and potential drawbacks,
Whether you’re a young professional, have a growing family, or someone exploring retirement, we’ll explore factors like affordability, network coverage, customer satisfaction, and plan options, giving you the knowledge to make an informed decision.
We’ll also highlight valuable extras, like wellness programs and telehealth options, to help you choose a plan that goes beyond basic coverage and supports your overall well-being.
Ready to start your journey to find the best health insurance in Texas? And let’s begin!
Best Health Insurance Companies in Texas
- Best Overall
- Best Premiums
- Best Copays
- Great for Quality and Customer Service
- Other Notable Companies
Blue Cross and Blue Shield of Texas (BCBSTX)
Offers a wide range of plans, competitive rates, and a large network of doctors and hospitals. They also have the highest average NCQA plan rating in Texas. However, their premiums can be on the higher side.
About BCBSTX
- A statewide, customer-owned, non-profit health insurance company in Texas.
- Founded in 1929.
- Headquartered in Richardson, Texas.
- Provides health insurance coverage to over 8 million members in Texas.
- Offers a variety of individual, family, employer, and government-sponsored health plans
Products and Services
- Individual and family health insurance plans
- Medicare plans
- Medicaid plans
- Dental and vision insurance plans
- Life insurance
- Supplemental health insurance
Benefits
- Large network of doctors and hospitals
- Competitive rates
- 24/7 customer service
- Online tools and resources
- Wellness programs
Contact Information
- Website: https://www.bcbstx.com/
- Phone: 1-800-252-9355
Aetna
Offers some of the cheapest average premiums for bronze and silver plans in Texas. However, their network of doctors and hospitals may be smaller than some other companies.
- Founded in 1853 in Hartford, Connecticut
- Serves over 39 million people
- Subsidiary of CVS Health since 2018
- Offers a range of health insurance plans, including:
- Medical
- Dental
- Behavioral health
- Vision
- Pharmacy
- Medicare
- Medicaid
- Also offers a variety of health and wellness programs and services
Products and Services
- Health insurance plans: Aetna offers a variety of individual and family health insurance plans, as well as plans for employers and government programs.
- Health and wellness programs: Aetna offers a variety of programs and services to help people stay healthy and manage their health care costs, such as:
- Disease management programs
- Wellness challenges
- Health education programs
- Telehealth services
- Pharmacy services: Aetna offers a variety of pharmacy services, including:
- Mail-order pharmacy
- Specialty pharmacy
- Retail pharmacy network
Customer Service
- Website: https://www.aetna.com/
- Phone number: 1-800-AETNA-47 (1-800-238-6247)
- About Aetna: https://www.aetna.com/about-us.html
- Aetna on Wikipedia: https://en.wikipedia.org/wiki/Aetna
Financials
- Aetna is a publicly traded company on the New York Stock Exchange (NYSE: CVS).
- The company had revenue of over $225 billion in 2021.
News and Events
- Aetna is regularly featured in the news, so you can stay up-to-date on the company’s latest developments by following them on social media or visiting their website.
Oscar
Has some of the lowest average copays in Texas. However, they are a relatively new company and their network of doctors and hospitals may be limited in some areas.
Pros
- Budget-Friendly
- Proactive Wellness
- Virtual Convenience
- Personalized Support
- Prescription Savings
Cons
- Quality Concerns
- Dental Coverage Gap
- Costly Premiums
UnitedHealthcare
Has a good reputation for quality care and customer service. However, their premiums can be on the higher side.
- Founded: 1974
- Headquarters: Minnetonka, Minnesota
- CEO: Andrew Witty
- Number of employees: 350,000
- Individual and family plans
- Employer-sponsored plans
- Medicare Advantage plans
- Medicaid plans
- Dental and vision plans
- Telehealth
- Wellness programs
- Disease management programs
- Website: https://www.uhc.com/
- Customer service: https://www.uhc.com/contact-us
- Find a provider: https://www.uhc.com/find-a-doctor
General information about UnitedHealthcare
- Types of plans offered: UnitedHealthcare offers a variety of health insurance plans, including HMO, PPO, and POS plans. They also offer Medicare Advantage plans, Medicaid plans, and dental and vision plans.
- Network of providers: UnitedHealthcare has a large network of providers, which means that you have a wide range of choices when it comes to finding a doctor or hospital.
- Costs: The cost of a UnitedHealthcare plan will vary depending on the type of plan you choose, your age, location, and health status.
- Customer service: UnitedHealthcare has a customer service department that is available 24/7 to help you with your questions and concerns
Pros & Cons
| Pros | Cons |
|---|---|
| Large network of providers | Costs can be high |
| Variety of plan options | Not available in all states |
| 24/7 customer service | Some customers have reported problems with customer service |
Top cheap health insurance companies in Texas
| Company | Cost |
|---|---|
| Aetna CVS Health | $519 |
| UnitedHealthcare | $547 |
| Blue Cross and Blue Shield of Texas | $612 |
| Cigna Healthcare | $560 |
| Oscar Insurance Co. | $572 |
| Ambetter from Superior HealthPlan | $593 |
| Imperial Insurance Cos. Inc. | $540 |
| Sendero Health Plans (local nonprofit) | $540 |
| Christus Health Plan | $543 |
| Baylor Scott & White Health Plan | $553 |
| US Health and Life | $567 |
| Community First | $570 |
| Moda Health Inc. | $573 |
| Community Health Choice | $585 |
| Molina Healthcare | $586 |
Cheapest health insurance plan by Texas county
| County | Cheapest Silver Plan | Monthly Rate |
|---|---|---|
| Anderson | Christus Silver | $512 |
| Andrews | Ambetter Standard Silver | $438 |
| Angelina | BCBS Silver HMO 205 | $493 |
| Aransas | BCBS HMO 603 | $522 |
| Archer | BCBS Silver HMO 205 | $684 |
| Armstrong | Ambetter Standard Silver | $527 |
| Atascosa | UHC Silver Value | $494 |
| Austin | UHC Silver Value | $534 |
| Bailey | BCBS Silver HMO 205 | $603 |
| Bandera | UHC Silver Value | $494 |
| Bastrop | Sendero Health Capital Silver | $537 |
| Baylor | BCBS Silver HMO 205 | $684 |
| Bee | BCBS HMO 603 | $522 |
| Bell | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Bexar | BCBS Silver 405 | $471 |
| Blanco | Oscar Silver Classic | $616 |
| Borden | BCBS Silver HMO 801 | $494 |
| Bosque | Baylor Scott & White Prime Silver HMO 008 | $504 |
| Bowie | Christus Silver | $595 |
| Brazoria | Aetna CVS Health Silver | $482 |
| Brazos | Baylor Scott & White Prime Silver HMO 008 | $512 |
| Brewster | UHC Silver Value | $516 |
| Briscoe | BCBS Silver HMO 801 | $557 |
| Brooks | BCBS Silver HMO 205 | $443 |
| Brown | Ambetter Standard Silver | $633 |
| Burleson | UHC Silver Value | $524 |
| Burnet | Baylor Scott & White Prime Silver HMO 008 | $492 |
| Caldwell | Christus Silver | $507 |
| Calhoun | Ambetter Standard Silver | $594 |
| Callahan | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Cameron | BCBS Silver 405 | $388 |
| Camp | Ambetter Standard Silver | $558 |
| Carson | Ambetter Standard Silver | $527 |
| Cass | Christus Silver | $595 |
| Castro | Ambetter Standard Silver | $527 |
| Chambers | UHC Silver Value | $534 |
| Cherokee | Christus Silver | $512 |
| Childress | BCBS Silver HMO 801 | $557 |
| Clay | BCBS Silver HMO 205 | $684 |
| Cochran | BCBS Silver HMO 205 | $603 |
| Coke | Baylor Scott & White Prime Silver HMO 008 | $527 |
| Coleman | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Collin | Baylor Scott & White Prime Silver HMO 008 | $438 |
| Collingsworth | Ambetter Standard Silver | $527 |
| Colorado | UHC Silver Value | $534 |
| Comal | Christus Silver | $468 |
| Comanche | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Concho | Ambetter Standard Silver | $647 |
| Cooke | Ambetter Standard Silver | $614 |
| Coryell | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Cottle | Baylor Scott & White Prime Silver HMO 008 | $552 |
| Crane | Aetna CVS Health Silver 5 | $463 |
| Crockett | BCBS Silver HMO 205 | $651 |
| Crosby | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Culberson | BCBS Silver HMO 205 | $568 |
| Dallam | Ambetter Standard Silver | $527 |
| Dallas | Baylor Scott & White Prime Silver HMO 008 | $438 |
| Dawson | BCBS Silver HMO 801 | $494 |
| De Witt | Ambetter Standard Silver | $594 |
| Deaf Smith | Ambetter Standard Silver | $527 |
| Delta | Ambetter Standard Silver | $558 |
| Denton | Ambetter Standard Silver VALUE | $492 |
| Dickens | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Dimmit | BCBS Silver HMO 205 | $561 |
| Donley | Ambetter Standard Silver | $527 |
| Duval | BCBS Silver HMO 205 | $618 |
| Eastland | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Ector | Ambetter Standard Silver | $438 |
| Edwards | BCBS Silver HMO 205 | $561 |
| El Paso | BCBS Silver 405 | $460 |
| Ellis | Baylor Scott & White Prime Silver HMO 008 | $438 |
| Erath | BCBS Silver HMO 205 | $621 |
| Falls | Baylor Scott & White Prime Silver HMO 008 | $504 |
| Fannin | Ambetter Standard Silver | $614 |
| Fayette | Sendero Health Capital Silver | $537 |
| Fisher | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Floyd | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Foard | BCBS Silver HMO 205 | $684 |
| Fort Bend | Ambetter Standard Silver VALUE | $461 |
| Franklin | Christus Silver | $595 |
| Freestone | Baylor Scott & White Prime Silver HMO 008 | $504 |
| Frio | BCBS Silver HMO 205 | $561 |
| Gaines | BCBS Silver HMO 801 | $494 |
| Galveston | Aetna CVS Health Silver | $482 |
| Garza | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Gillespie | BCBS Silver HMO 205 | $561 |
| Glasscock | Aetna CVS Health Silver 5 | $463 |
| Goliad | Ambetter Standard Silver | $594 |
| Gonzales | BCBS Silver HMO 205 | $561 |
| Gray | Ambetter Standard Silver | $527 |
| Grayson | Ambetter Standard Silver | $614 |
| Gregg | BCBS Silver HMO 205 | $472 |
| Grimes | UHC Silver Value | $524 |
| Guadalupe | Christus Silver | $468 |
| Hale | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Hall | BCBS Silver HMO 801 | $557 |
| Hamilton | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Hansford | BCBS Silver HMO 801 | $557 |
| Hardeman | BCBS Silver HMO 205 | $684 |
| Hardin | Christus Silver | $489 |
| Harris | BCBS Silver 405 | $431 |
| Harrison | BCBS Silver HMO 205 | $472 |
| Hartley | Ambetter Standard Silver | $527 |
| Haskell | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Hays | Christus Silver | $507 |
| Hemphill | BCBS Silver HMO 801 | $557 |
| Henderson | Ambetter Standard Silver | $535 |
| Hidalgo | BCBS Silver 405 | $404 |
| Hill | Baylor Scott & White Prime Silver HMO 008 | $504 |
| Hockley | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Hood | BCBS Silver HMO 205 | $621 |
| Hopkins | Christus Silver | $595 |
| Houston | BCBS Silver HMO 205 | $493 |
| Howard | Aetna CVS Health Silver 5 | $463 |
| Hudspeth | BCBS Silver HMO 205 | $568 |
| Hunt | Aetna CVS Health Silver | $498 |
| Hutchinson | BCBS Silver HMO 801 | $557 |
| Irion | Ambetter Standard Silver | $647 |
| Jack | Ambetter Standard Silver | $628 |
| Jackson | Ambetter Standard Silver | $594 |
| Jasper | Christus Silver | $489 |
| Jeff Davis | BCBS Silver HMO 205 | $568 |
| Jefferson | Christus Silver | $489 |
| Jim Hogg | UHC Silver Value | $596 |
| Jim Wells | BCBS HMO 603 | $522 |
| Johnson | Cigna Connect Silver 4000 | $497 |
| Jones | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Karnes | Christus Silver | $564 |
| Kaufman | Aetna CVS Health Silver | $498 |
| Kendall | UHC Silver Value | $494 |
| Kenedy | BCBS Silver HMO 205 | $454 |
| Kent | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Kerr | BCBS Silver HMO 205 | $561 |
| Kimble | Ambetter Standard Silver | $647 |
| King | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Kinney | BCBS Silver HMO 205 | $561 |
| Kleberg | BCBS HMO 603 | $522 |
| Knox | Baylor Scott & White Prime Silver HMO 008 | $552 |
| La Salle | BCBS Silver HMO 205 | $561 |
| Lamar | BCBS Silver HMO 205 | $610 |
| Lamb | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Lampasas | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Lavaca | Ambetter Standard Silver | $594 |
| Lee | Sendero Health Capital Silver | $537 |
| Leon | UHC Silver Value | $524 |
| Liberty | UHC Silver Value | $534 |
| Limestone | Baylor Scott & White Prime Silver HMO 008 | $504 |
| Lipscomb | BCBS Silver HMO 801 | $557 |
| Live Oak | BCBS HMO 603 | $522 |
| Llano | Baylor Scott & White Prime Silver HMO 008 | $492 |
| Loving | BCBS Silver HMO 801 | $494 |
| Lubbock | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Lynn | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Madison | UHC Silver Value | $524 |
| Marion | BCBS Silver HMO 205 | $472 |
| Martin | Aetna CVS Health Silver 5 | $463 |
| Mason | Ambetter Standard Silver | $647 |
| Matagorda | UHC Silver Value | $534 |
| Maverick | BCBS Silver HMO 205 | $561 |
| McCulloch | Baylor Scott & White Prime Silver HMO 008 | $527 |
| McLennan | BCBS Silver 807 | $485 |
| McMullen | BCBS Silver HMO 205 | $618 |
| Medina | BCBS Silver HMO 205 | $561 |
| Menard | Ambetter Standard Silver | $647 |
| Midland | Aetna CVS Health Silver 5 | $463 |
| Milam | Baylor Scott & White Prime Silver HMO 008 | $512 |
| Mills | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Mitchell | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Montague | Ambetter Standard Silver | $628 |
| Montgomery | Ambetter Standard Silver VALUE | $473 |
| Moore | BCBS Silver HMO 801 | $557 |
| Morris | Christus Silver | $595 |
| Motley | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Nacogdoches | BCBS Silver HMO 205 | $493 |
| Navarro | Baylor Scott & White Prime Silver HMO 008 | $438 |
| Newton | Christus Silver | $489 |
| Nolan | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Nueces | BCBS HMO 603 | $522 |
| Ochiltree | BCBS Silver HMO 801 | $557 |
| Oldham | Ambetter Standard Silver | $527 |
| Orange | Christus Silver | $489 |
| Palo Pinto | UHC Silver Value | $544 |
| Panola | BCBS Silver HMO 205 | $472 |
| Parker | Aetna CVS Health Silver | $501 |
| Parmer | Ambetter Standard Silver | $527 |
| Pecos | BCBS Silver HMO 801 | $494 |
| Polk | BCBS Silver HMO 205 | $493 |
| Potter | Ambetter Standard Silver | $527 |
| Presidio | BCBS Silver HMO 205 | $568 |
| Rains | Christus Silver | $512 |
| Randall | Ambetter Standard Silver | $527 |
| Reagan | Baylor Scott & White Prime Silver HMO 008 | $527 |
| Real | BCBS Silver HMO 205 | $561 |
| Red River | Christus Silver | $595 |
| Reeves | BCBS Silver HMO 801 | $494 |
| Refugio | BCBS HMO 603 | $522 |
| Roberts | BCBS Silver HMO 801 | $557 |
| Robertson | UHC Silver Value | $524 |
| Rockwall | Baylor Scott & White Prime Silver HMO 008 | $438 |
| Runnels | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Rusk | BCBS Silver HMO 205 | $472 |
| Sabine | BCBS Silver HMO 205 | $493 |
| San Augustine | BCBS Silver HMO 205 | $493 |
| San Jacinto | BCBS Silver HMO 205 | $493 |
| San Patricio | BCBS HMO 603 | $522 |
| San Saba | Baylor Scott & White Prime Silver HMO 008 | $508 |
| Schleicher | Ambetter Standard Silver | $647 |
| Scurry | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Shackelford | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Shelby | BCBS Silver HMO 205 | $493 |
| Sherman | Ambetter Standard Silver | $527 |
| Smith | Christus Silver | $512 |
| Somervell | Baylor Scott & White Prime Silver HMO 008 | $522 |
| Starr | BCBS Silver HMO 205 | $443 |
| Stephens | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Sterling | Ambetter Standard Silver | $647 |
| Stonewall | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Sutton | Ambetter Standard Silver | $647 |
| Swisher | BCBS Silver HMO 801 | $557 |
| Tarrant | Ambetter Standard Silver VALUE | $492 |
| Taylor | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Terrell | BCBS Silver HMO 205 | $496 |
| Terry | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Throckmorton | Baylor Scott & White Prime Silver HMO 008 | $606 |
| Titus | Christus Silver | $595 |
| Tom Green | Ambetter Standard Silver | $647 |
| Travis | Baylor Scott & White Prime Silver HMO 008 | $492 |
| Trinity | BCBS Silver HMO 205 | $493 |
| Tyler | Christus Silver | $489 |
| Upshur | BCBS Silver HMO 205 | $472 |
| Upton | Aetna CVS Health Silver 5 | $463 |
| Uvalde | BCBS Silver HMO 205 | $561 |
| Val Verde | BCBS Silver HMO 205 | $561 |
| Van Zandt | Christus Silver | $512 |
| Victoria | Ambetter Standard Silver | $594 |
| Walker | BCBS Silver HMO 205 | $576 |
| Waller | UHC Silver Value | $534 |
| Ward | BCBS Silver HMO 801 | $494 |
| Washington | Baylor Scott & White Prime Silver HMO 008 | $512 |
| Webb | Ambetter Standard Silver | $499 |
| Wharton | UHC Silver Value | $534 |
| Wheeler | Ambetter Standard Silver | $527 |
| Wichita | BCBS Silver HMO 205 | $684 |
| Wilbarger | BCBS Silver HMO 205 | $684 |
| Willacy | BCBS Silver HMO 205 | $454 |
| Williamson | Baylor Scott & White Prime Silver HMO 008 | $492 |
| Wilson | BCBS Silver HMO 205 | $561 |
| Winkler | BCBS Silver HMO 801 | $494 |
| Wise | Aetna CVS Health Silver | $501 |
| Wood | Christus Silver | $512 |
| Yoakum | Baylor Scott & White Prime Silver HMO 008 | $566 |
| Young | BCBS Silver HMO 205 | $684 |
| Zapata | Ambetter Standard Silver | $499 |
| Zavala | BCBS Silver HMO 205 | $561 |