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.
![](https://commercialvehicleinfo.com/wp-content/uploads/2024/02/best-health-insurance-in-texas.jpg)
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.
![](https://commercialvehicleinfo.com/wp-content/uploads/2024/02/Blue-Cross-and-Blue-Shield-of-Texas.jpg)
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.
![](https://commercialvehicleinfo.com/wp-content/uploads/2024/02/Aetna.jpg)
- 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.
![](https://commercialvehicleinfo.com/wp-content/uploads/2024/02/Oscar-insurance.jpg)
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.
![](https://commercialvehicleinfo.com/wp-content/uploads/2024/02/UnitedHealthcare.jpg)
- 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 |