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

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

 

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