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Where to Get Health Insurance in Texas

Here’s a quick glance at your health insurance coverage options if you’re a Texas resident:

Where to Get Coverage What kind of Coverage When to enroll Type of Policy
Healthcare.gov Subsidy-Eligible ACA Plans
Learn About the State Exchange
Nov. 1, 2017 to
Dec. 15, 2017
Individual
Major Medical
Off Exchange ACA Plans Off-Exchange ACA Plans
Learn About Individual Plans
Nov. 1, 2017 to
Dec. 15, 2017
Individual
Major Medical
Health eDeals Affordable Additions +
Alternatives to ACA Plans
Learn About Additional Coverage
Anytime! Alternative +
Supplemental
Healthcare.gov Type of Coverage Subsidy-Eligible ACA Plans
Learn About The State Exchange
When to Enroll Nov. 1, 2017 to Dec. 15, 2017 Type of Policy Individual Major Medical
Off Exchange ACA Plans Type of Coverage Off-Exchange ACA Plans
Learn About Individual Plans
When to Enroll Nov. 1, 2017 to Dec. 15, 2017 Type of Policy Individual Major Medical
Health eDeals Type of Coverage Affordable Additions + Alternatives to ACA Plans
Learn About Additional Coverage
When to Enroll Anytime! Type of Policy Alternative + Supplemental

How to Find Health Insurance to Fit Your Needs

A quick way to begin to find the right insurance coverage is to locate the statement below that best describes your situation and follow the links.

Minimum essential coverage

"I need an ACA-qualifying health insurance plan to avoid paying a tax penalty."

Shop the federal exchange, or buy an individual major medical plan in the private market


Affordable additions and alternatives

"I need benefits to help pay for unexpected healthcare, but I:

  • Am concerned about high plan deductibles
  • Can’t afford ACA premiums and qualify for an exemption
  • Can’t afford ACA premiums and am not exempt from the mandate"

Find supplemental coverage now


Short-term medical insurance

"I need a temporary plan because I'm in-between jobs and will get health insurance through my employer soon."

Get quick, short-term benefits


I don't know!

"I'm not sure how to navigate open enrollment to find the best insurance value for my needs.”

CALL US, or start with the subsidy calculator to find out if you qualify for a premium tax credit that helps lower your monthly health insurance premium.

The ACA Exchange in Texas

Because Texas doesn’t have its own state exchange, if you’re a resident of Texas who qualifies for a subsidy, you may find the most affordable health insurance plan on HealthCare.gov.

However, if you don't qualify for a subsidy, you may want to shop away from the ACA Marketplace to try and find better rates. Find out if you qualify for a subsidy with our ACA subsidy calculator.

Average 2018 Health Insurance Rate Increases in Texas

The average cost of the lowest-priced silver plan in Texas increased 37 percent from 2017 to 2018.1

2017 premium $307
2018 premium $419
Average rate change Up 37%

Average 2018 Health Insurance Subsidy Changes

The national average 2018 premium tax credit subsidy projected by HHS is $555, representing a 45 percent increase from 2017.2

Health Insurance Companies in Texas in 2018

2018 saw carriers throughout the country pull out of the state and federal exchanges, leaving more than half of all counties in the country with a single health insurance company offering individual health insurance.

Eight carriers filed rates in Texas for subsidy-eligible individual health insurance plans in 2018. They are:3

  • Blue Cross Blue Shield of Texas
  • Celtic Insurance Company
  • CHRISTUS Health Plan
  • Community Health Choice, Inc.
  • Molina Healthcare of Texas, Inc.
  • Oscar Insurance Company of Texas
  • Sendero Health Plans, Inc.
  • SHA, LLC (dba FirstCare)

Compared to 2017, when 10 insurance companies had individual plans in Texas, that’s a 20 percent decrease.4

Find out if you qualify for a subsidy

“Free” Bronze Plans in Dallas?

Nearly 60 percent of U.S. counties will have zero-premium bronze plans available in 2018, according to a Kaiser Family Foundation analysis of the 39 states that use HealthCare.gov.5 How is this possible? Because premium tax credits are based on the second-lowest cost silver plan (i.e., benchmark plan), and bronze plan rates increased less than silver plan rates overall.6

In nearly 80 percent of Texas counties, a zero-premium bronze plan is available in 2018.7 As such, many subsidy-eligible Texas residents may find they are eligible for low-cost or no-cost bronze plans.

Health Insurance and the ACA in Dallas, TX

Texas Health Insurance Rates

A Quick Look at 2018 ACA Health Insurance Rates in Dallas, TX

11/03/2017 by Jenifer Dorsey

It’s time to buy health insurance. 2018 open enrollment for individual ACA plans is underway and lasts through Dec. 15, 2017. With the Trump administration in office, talk of repealing and replacing Obamacare, and decisions to end cost-sharing reduction subsidies, there has been a lot of healthcare news to follow this year. Learn more

Where to Get Individual Health Insurance Plans in Texas

Texas residents who do not qualify for ACA subsidies or prefer to shop away from the ACA exchanges may do so. The off-exchange market may include additional ACA-qualifying major medical plan options.

In addition, obtaining a low-cost, fixed-benefit supplemental insurance plan from HealtheDeals can help ensure that you’ll be able to afford the out-of-pocket costs for your major medical plan.

How to Find Additional Low-Cost Health Plans in Texas

Whether you have an ACA plan or not, you can buy additional health benefits to help with dental and out-of-pocket medical expenses—expected and unexpected, large and small—throughout the year. There’s no open enrollment period for these products, which means you can apply any time and not just during ACA open or special enrollment periods.

Dental

Dental

Benefits to help pay for dental expenses; plan options may include low- or no-cost preventive care

Shop now
Hospital Plan

Hospital and Doctor

Fixed-benefit indemnity plan with defined hospital, surgical and critical illness benefits

Shop now
Telemedicine

Telemedicine

24/7 access to telehealth consultations with licensed physicians for minor medical issues

Shop now
Supplemental Insurance

Supplemental

Fixed-cash benefits paid when a covered accident or illness occurs; use payments for medical and household expenses

Shop now
Medical Bundle

Medical Bundle

Medical Bundle Coverage for small and large claims; hospital, surgical and critical illness fixed benefits paired with short-term medical

Shop now

Help is on the way!

Search for an agent

Get Short-Term Medical Coverage for In-Between Times

Accidents and illnesses don’t wait until you have health insurance. When you are temporarily without major medical coverage, short-term medical plans can provide financial protection from large healthcare expenses. They can be obtained in minutes, and you can keep your policy for as little as one month.

Short term medical

Short-Term Medical

Temporary health plans for 30 to 90 days; benefits to help with unexpected medical expenses; next-day coverage

Shop now
Medical Bundle

Medical Bundle

Coverage for small and large claims; hospital, surgical and critical illness fixed benefits paired with short-term medical

Shop now

Help is on the way!

Search for an agent

1 Alonzo-Zaldivar and Meghan Hoyer. “’Obamacare’ Curveball: Free Insurance in 1,500-Plus Counties.” Associated Press. Oct. 30, 2017. http://abcnews.go.com/Health/wireStory/obamacare-curveball-free-insurance-1500-counties-50818757

2 Andrews, Michelle. “Limited Outreach, Shorter Sign-Up Time May Cause Insurance Headache in 2018.” NPR. Oct. 24, 2017 https://www.npr.org/sections/health-shots/2017/10/24/559565543/limited-outreach-shorter-sign-up-time-may-cause-insurance-headaches-in-2018

3 Texas Department of Insurance. “Carriers with Comprehensive Health Plans for Individuals in 2018.” Oct. 2017. http://www.texashealthoptions.com/cp2/individualplans.html

4 The Henry J. Kaiser Family Foundation. “Number of Issuers Participating in the Individual Health Insurance Marketplaces.” Accessed Nov. 7, 2017. https://www.kff.org/other/state-indicator/number-of-issuers-participating-in-the-individual-health-insurance-marketplace/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D

5 Alonzo-Zaldivar and Meghan Hoyer. “’Obamacare’ Curveball: Free Insurance in 1,500-Plus Counties.” Associated Press. Oct. 30, 2017. http://abcnews.go.com/Health/wireStory/obamacare-curveball-free-insurance-1500-counties-50818757

6 Andrews, Michelle. “Limited Outreach, Shorter Sign-Up Time May Cause Insurance Headache in 2018.” NPR. Oct. 24, 2017. http://www.npr.org/sections/health-shots/2017/10/24/559565543/limited-outreach-shorter-sign-up-time-may-cause-insurance-headaches-in-2018

7 Alonso-Zaldivar, Ricardo and Meghan Hoyer. “’Obamacare’ Curveball: Free Insurance in 1,500-Plus Counties.” Associated Press. Oct. 20, 2017. http://abcnews.go.com/Health/wireStory/obamacare-curveball-free-insurance-1500-counties-50818757