Christus Health provides the cheapest overall health insurance in Texas, with an average monthly premium of $306. Availability can vary, so check out Moda, Imperial Insurance, Aetna and WellPoint for affordable health plans.
Most Affordable Health Insurance in Texas
Updated: June 9, 2025
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Key Takeaways
Christus Health offers Texas' most affordable health insurance, saving policyholders an average of $346 per month compared to the state average.
Community Health Choice provides top-rated full coverage Gold plans, with affordable pricing starting at $398 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Texas
| Christus Health | $306 | $346 |
| Moda | $387 | $265 |
| Imperial Insurance Companies, Inc. | $431 | $222 |
| Aetna | $536 | $116 |
| WellPoint | $555 | $98 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Texas Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Texas, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Community Health Choice ($366 monthly)
- Cheapest For Seniors: Community Health Choice ($969 monthly)
- Cheapest Catastrophic Plan: Christus Health ($297 monthly)
- Cheapest Expanded Bronze Plan: Community Health Choice ($308 monthly)
- Cheapest Bronze Plan: Imperial Insurance Companies, Inc. ($386 monthly)
- Cheapest Silver Plan: Community Health Choice ($456 monthly)
- Cheapest Gold Plan: Community Health Choice ($398 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Community Health Choice | Community Select Silver 019 (No Deductible for PCP, Specialists & Generics, $0 PCP 24/7 Virtual Care Options) | $456 | $134 | $8,500 |
Cheapest Health Insurance Plans by County in Texas
While Christus Health is the cheapest provider overall, other insurers offer competitive affordability and availability for Silver plans in different counties. Below, you can review which company and plan are most affordable in your area.
| Anderson | Christus Health | $468 | CHRISTUS Silver |
| Andrews | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Angelina | Christus Health | $468 | CHRISTUS Silver |
| Aransas | Christus Health | $468 | CHRISTUS Silver |
| Archer | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Armstrong | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Atascosa | Christus Health | $468 | CHRISTUS Silver |
| Austin | Ambetter | $458 | Standard Silver VALUE |
| Bailey | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Bandera | Christus Health | $468 | CHRISTUS Silver |
| Bastrop | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Baylor | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Bee | Christus Health | $468 | CHRISTUS Silver |
| Bell | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Bexar | Christus Health | $468 | CHRISTUS Silver |
| Blanco | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Borden | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Bosque | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Bowie | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Brazoria | Ambetter | $458 | Standard Silver VALUE |
| Brazos | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Brewster | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Briscoe | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Brooks | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Brown | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Burleson | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Burnet | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Caldwell | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Calhoun | UnitedHealthcare | $494 | UHC Silver Value |
| Callahan | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Cameron | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Camp | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Carson | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Cass | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Castro | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Chambers | Ambetter | $458 | Standard Silver VALUE |
| Cherokee | Christus Health | $468 | CHRISTUS Silver |
| Childress | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Clay | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Cochran | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Coke | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Coleman | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Collin | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Collingsworth | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Colorado | Ambetter | $458 | Standard Silver VALUE |
| Comal | Christus Health | $468 | CHRISTUS Silver |
| Comanche | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Concho | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Cooke | UnitedHealthcare | $494 | UHC Silver Value |
| Coryell | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Cottle | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Crane | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Crockett | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Crosby | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Culberson | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Dallam | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Dallas | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Dawson | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| DeWitt | UnitedHealthcare | $494 | UHC Silver Value |
| Deaf Smith | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Delta | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Denton | Ambetter | $458 | Standard Silver VALUE |
| Dickens | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Dimmit | Christus Health | $468 | CHRISTUS Silver |
| Donley | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Duval | Molina | $479 | Silver 8 250 |
| Eastland | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Ector | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Edwards | Christus Health | $468 | CHRISTUS Silver |
| El Paso | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Ellis | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Erath | Ambetter | $458 | Standard Silver VALUE |
| Falls | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Fannin | UnitedHealthcare | $494 | UHC Silver Value |
| Fayette | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Fisher | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Floyd | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Foard | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Fort Bend | Ambetter | $458 | Standard Silver VALUE |
| Franklin | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Freestone | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Frio | Christus Health | $468 | CHRISTUS Silver |
| Gaines | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Galveston | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Garza | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Gillespie | Christus Health | $468 | CHRISTUS Silver |
| Glasscock | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Goliad | UnitedHealthcare | $494 | UHC Silver Value |
| Gonzales | Christus Health | $468 | CHRISTUS Silver |
| Gray | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Grayson | UnitedHealthcare | $494 | UHC Silver Value |
| Gregg | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Grimes | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Guadalupe | Christus Health | $468 | CHRISTUS Silver |
| Hale | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hall | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Hamilton | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hansford | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Hardeman | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hardin | Christus Health | $468 | CHRISTUS Silver |
| Harris | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Harrison | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Hartley | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Haskell | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hays | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hemphill | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Henderson | Christus Health | $468 | CHRISTUS Silver |
| Hidalgo | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Hill | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Hockley | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hood | Ambetter | $458 | Standard Silver VALUE |
| Hopkins | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Houston | Christus Health | $468 | CHRISTUS Silver |
| Howard | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Hudspeth | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Hunt | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Hutchinson | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Irion | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Jack | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Jackson | UnitedHealthcare | $494 | UHC Silver Value |
| Jasper | Christus Health | $468 | CHRISTUS Silver |
| Jeff Davis | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Jefferson | Christus Health | $468 | CHRISTUS Silver |
| Jim Hogg | Molina | $479 | Silver 8 250 |
| Jim Wells | Christus Health | $468 | CHRISTUS Silver |
| Johnson | Ambetter | $458 | Standard Silver VALUE |
| Jones | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Karnes | UnitedHealthcare | $494 | UHC Silver Value |
| Kaufman | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Kendall | Christus Health | $468 | CHRISTUS Silver |
| Kenedy | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Kent | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Kerr | Christus Health | $468 | CHRISTUS Silver |
| Kimble | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| King | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Kinney | Christus Health | $468 | CHRISTUS Silver |
| Kleberg | Christus Health | $468 | CHRISTUS Silver |
| Knox | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| La Salle | Christus Health | $468 | CHRISTUS Silver |
| Lamar | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Lamb | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Lampasas | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Lavaca | UnitedHealthcare | $494 | UHC Silver Value |
| Lee | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Leon | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Liberty | Ambetter | $458 | Standard Silver VALUE |
| Limestone | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Lipscomb | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Live Oak | Christus Health | $468 | CHRISTUS Silver |
| Llano | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Loving | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Lubbock | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Lynn | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Madison | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Marion | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Martin | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Mason | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Matagorda | Ambetter | $458 | Standard Silver VALUE |
| Maverick | Christus Health | $468 | CHRISTUS Silver |
| McCulloch | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| McLennan | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| McMullen | Molina | $479 | Silver 8 250 |
| Medina | Christus Health | $468 | CHRISTUS Silver |
| Menard | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Midland | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Milam | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Mills | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Mitchell | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Montague | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Montgomery | Ambetter | $458 | Standard Silver VALUE |
| Moore | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Morris | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Motley | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Nacogdoches | Christus Health | $468 | CHRISTUS Silver |
| Navarro | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Newton | Christus Health | $468 | CHRISTUS Silver |
| Nolan | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Nueces | Christus Health | $468 | CHRISTUS Silver |
| Ochiltree | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Oldham | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Orange | Christus Health | $468 | CHRISTUS Silver |
| Palo Pinto | Ambetter | $458 | Standard Silver VALUE |
| Panola | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Parker | Ambetter | $458 | Standard Silver VALUE |
| Parmer | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Pecos | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Polk | Christus Health | $468 | CHRISTUS Silver |
| Potter | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Presidio | Blue Cross Blue Shield | $429 | MyBlue Health Silver℠ 807 |
| Rains | Christus Health | $468 | CHRISTUS Silver |
| Randall | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Reagan | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Real | Christus Health | $468 | CHRISTUS Silver |
| Red River | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Reeves | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Refugio | Christus Health | $468 | CHRISTUS Silver |
| Roberts | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Robertson | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Rockwall | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Runnels | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Rusk | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Sabine | Christus Health | $468 | CHRISTUS Silver |
| San Augustine | Christus Health | $468 | CHRISTUS Silver |
| San Jacinto | Christus Health | $468 | CHRISTUS Silver |
| San Patricio | Christus Health | $468 | CHRISTUS Silver |
| San Saba | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Schleicher | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Scurry | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Shackelford | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Shelby | Christus Health | $468 | CHRISTUS Silver |
| Sherman | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Smith | Christus Health | $468 | CHRISTUS Silver |
| Somervell | Ambetter | $458 | Standard Silver VALUE |
| Starr | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Stephens | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Sterling | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Stonewall | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Sutton | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Swisher | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Tarrant | Ambetter | $458 | Standard Silver VALUE |
| Taylor | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Terrell | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Terry | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Throckmorton | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Titus | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Tom Green | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Travis | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Trinity | Christus Health | $468 | CHRISTUS Silver |
| Tyler | Christus Health | $468 | CHRISTUS Silver |
| Upshur | Blue Cross Blue Shield | $441 | Blue Advantage Silver HMO℠ 801 |
| Upton | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Uvalde | Christus Health | $468 | CHRISTUS Silver |
| Val Verde | Christus Health | $468 | CHRISTUS Silver |
| Van Zandt | Christus Health | $468 | CHRISTUS Silver |
| Victoria | UnitedHealthcare | $494 | UHC Silver Value |
| Walker | Ambetter | $458 | Standard Silver VALUE |
| Waller | Ambetter | $458 | Standard Silver VALUE |
| Ward | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Washington | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Webb | Molina | $479 | Silver 8 250 |
| Wharton | Ambetter | $458 | Standard Silver VALUE |
| Wheeler | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Wichita | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Wilbarger | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Willacy | Blue Cross Blue Shield | $388 | MyBlue Health Silver℠ 405 |
| Williamson | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Wilson | Christus Health | $468 | CHRISTUS Silver |
| Winkler | Ambetter | $447 | Standard Ambetter Virtual Access Silver |
| Wise | Ambetter | $458 | Standard Silver VALUE |
| Wood | Christus Health | $468 | CHRISTUS Silver |
| Yoakum | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Young | Scott and White Health Plan | $438 | BSW Prime Silver HMO 008 |
| Zapata | Molina | $479 | Silver 8 250 |
| Zavala | Christus Health | $468 | CHRISTUS Silver |
How to Find the Cheapest Health Insurance in Texas
Follow these steps to find affordable health insurance in Texas:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, with Special Enrollment available for life changes like job loss or having a child. Evaluate plans by considering types of coverage, customer ratings, costs and provider availability to select the best option for your needs.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Texas: Bottom Line
Texas' most affordable health insurance companies are Christus Health, Moda, Imperial Insurance, Aetna and WellPoint. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Texas Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Texas:
What is the cheapest health insurance in Texas?
Christus Health offers the cheapest health insurance in Texas, with Silver plans starting at $306 for 40-year-olds. However, your ideal option may vary, so consider exploring Imperial Insurance, Moda, WellPoint and Aetna based on your income and coverage preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Texas
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Texas based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.