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What Is the Cheapest Health Insurance in Texas?

By Best Worst Insurance Editorial TeamUpdated September 19, 2026

The cheapest marketplace premium a 40-year-old Texan can buy runs from $4,226 a year in Cottle County to $7,907 in Calhoun [1,2] — and because rates are filed per rating area, both ends are shared: Knox and McLennan match Cottle, Goliad and Victoria match Calhoun [1,2]. That is the answer to the question as normally asked, and for a lot of people it is the right answer: for a year whose only real event is a broken arm, the cheapest-premium plan is also the cheapest plan in the median Texas county [1,2]. But Texas is a state of two answers. For a year of managing type 2 diabetes the cheapest-premium plan costs $1,000 or more extra in 28% of counties; for a year containing a birth it does so in 94% of them, by a median of $6,310 [1,2]. Below is every one of the 254 Texas counties, with the cheapest-premium plan, what that plan actually costs over a year of care, and the plan that beats it — named, from the CMS plan year 2026 filings.

The six largest Texas counties, and what the premium sort costs in each

Annual cost of buying the lowest-premium plan instead of the lowest-total-cost plan, at age 40, full price. "Rank" is where the cheapest-premium plan places once the year's care is paid for [1,2].

CountyCheapest premiumA year with a fractureA year managing diabetesA year with a birth
Harris County$4,494nothing$2,806 (rank 35 of 119)$5,686 (rank 64 of 119)
Dallas County$5,198$289 (rank 4 of 133)$3,112 (rank 53 of 133)$4,116 (rank 51 of 133)
Tarrant County$5,198$140 (rank 2 of 91)$2,404 (rank 34 of 91)$4,116 (rank 39 of 91)
Bexar County$5,700$467 (rank 3 of 38)$3,211 (rank 18 of 38)$5,167 (rank 21 of 38)
Travis County$5,192nothing$2,747 (rank 28 of 109)$4,169 (rank 40 of 109)
Collin County$5,198$289 (rank 4 of 122)$3,112 (rank 50 of 122)$4,116 (rank 47 of 122)

1. The short answer, and the honest one

The cheapest marketplace health insurance in Texas costs $4,226 a year for a 40-year-old, in Cottle County. In the big metros the floor is higher: $4,494 in Harris, $5,192 in Travis, $5,198 in Dallas, Tarrant and Collin, $5,700 in Bexar [1,2].

That is the number every comparison site will give you, and if you are healthy and expect to stay that way it is the number you should act on. Texas is the state where buying on price holds up best: for a year of managing type 2 diabetes the cheapest-premium plan is the second-cheapest plan overall in the median county, and in Hidalgo and Cameron counties it is the cheapest outright [1,2].

The honest answer is that "cheapest" is a question about your year, not about the plan list. Change the year and the answer changes completely — the table above prices all three for the six largest Texas counties.

2. Where the premium sort goes wrong in Texas

For a year containing a normal delivery, the cheapest-premium plan is not the cheapest plan in a single Texas county, and the median cost of picking it is $6,310 — the largest of the three states we price [1,2]. That is more than the entire annual premium of the plan itself.

Webb County is the extreme. The cheapest-premium plan there is a UnitedHealthcare Bronze at $6,888 a year; add a delivery and it comes to $17,548. An Ambetter Gold plan costs $7,280 in premium — $392 more — and totals $10,590. Choosing on the premium column costs $6,959.

The mechanism is the same everywhere and it is not complicated: a cheap premium is bought with a high deductible, and one predictable expensive event pays that deductible in full. The full argument, with all 409 counties across three states, is at what ranking by premium costs you.

3. Harris County, worked in full

Harris is the largest county in Texas and has 119 plans a 40-year-old can buy.

The cheapest premium is Community Health Choice's Community Select Bronze 016 at $4,494 a year, carrying a $9,800 deductible. For a year of managing type 2 diabetes, the filed cost-sharing on that plan adds $4,720 — total $9,214.

The lowest total cost in the same county is UnitedHealthcare's Kelsey-Seybold Bronze Copay Focus, which costs $5,708 in premium — $1,214 a year more — and has a $0 deductible. The same year of care costs $700 on it. Total: $6,408.

The gap is $2,806 a year, and the cheapest-premium plan ranks 35th of 119 once the care is paid for [1,2]. Nothing about that is visible on a list sorted by price.

4. Every county

Every Texas county, for a year of managing type 2 diabetes at age 40 — the middle case of the three. Full price. "Total" is twelve months of premium plus the plan's own filed cost-sharing. The fracture and birth-year columns for every county are in the CSV [1,2].

CountyPlansCheapest premiumWhat that plan costs for the yearLowest total costRanking by premium costs you
Anderson County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Andrews County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Angelina County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Aransas County56$5,150 — CHRISTUS Health Plan$9,870$6,686 — Expanded Bronze, UnitedHealthcare$3,184 a year
Archer County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Armstrong County53$5,819 — Blue Cross and Blue Shield of Texas$8,439$7,299 — Expanded Bronze, UnitedHealthcare$1,140 a year
Atascosa County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Austin County39$5,590 — Oscar Insurance$10,770$6,827 — Expanded Bronze, UnitedHealthcare$3,943 a year
Bailey County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Bandera County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Bastrop County46$5,192 — Sendero Health Plans$9,092$7,928 — Gold, Sendero Health Plans$1,164 a year
Baylor County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Bee County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Bell County54$5,848 — Baylor Scott and White Health Plan$11,268$7,069 — Expanded Bronze, UnitedHealthcare$4,199 a year
Bexar County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Blanco County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Borden County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Bosque County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Bowie County25$5,123 — CHRISTUS Health Plan$9,843$6,925 — Expanded Bronze, UnitedHealthcare$2,918 a year
Brazoria County65$5,590 — Oscar Insurance$10,770$6,408 — Expanded Bronze, UnitedHealthcare$4,362 a year
Brazos County54$5,370 — UnitedHealthcare$6,470$6,311 — Expanded Bronze, UnitedHealthcare$159 a year
Brewster County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Briscoe County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Brooks County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Brown County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Burleson County44$5,370 — UnitedHealthcare$6,470$6,311 — Expanded Bronze, UnitedHealthcare$159 a year
Burnet County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Caldwell County93$4,647 — CHRISTUS Health Plan$9,367$6,345 — Expanded Bronze, UnitedHealthcare$3,022 a year
Calhoun County12$7,907 — Ambetter from Superior HealthPlan$9,727$9,707 — Gold, Ambetter from Superior HealthPlan$20 a year
Callahan County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Cameron County76$4,257 — Blue Cross and Blue Shield of Texas$5,777$5,777 — Expanded Bronze, Blue Cross and Blue Shield of Texasnothing — it wins on both
Camp County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Carson County53$5,819 — Blue Cross and Blue Shield of Texas$8,439$7,299 — Expanded Bronze, UnitedHealthcare$1,140 a year
Cass County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Castro County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Chambers County27$5,864 — UnitedHealthcare$6,964$6,827 — Expanded Bronze, UnitedHealthcare$137 a year
Cherokee County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Childress County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Clay County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Cochran County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Coke County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Coleman County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Collin County122$5,198 — WellPoint$10,018$6,906 — Expanded Bronze, Baylor Scott and White Health Plan$3,112 a year
Collingsworth County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Colorado County41$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Comal County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Comanche County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Concho County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Cooke County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Coryell County42$5,848 — Baylor Scott and White Health Plan$11,268$7,069 — Expanded Bronze, UnitedHealthcare$4,199 a year
Cottle County27$4,226 — Baylor Scott and White Health Plan$9,646$5,813 — Expanded Bronze, Baylor Scott and White Health Plan$3,833 a year
Crane County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Crockett County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Crosby County72$5,845 — Baylor Scott and White Health Plan$11,265$7,354 — Expanded Bronze, UnitedHealthcare$3,911 a year
Culberson County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Dallam County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Dallas County133$5,198 — WellPoint$10,018$6,906 — Expanded Bronze, Baylor Scott and White Health Plan$3,112 a year
Dawson County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Deaf Smith County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Delta County26$6,618 — UnitedHealthcare$7,718$7,614 — Expanded Bronze, UnitedHealthcare$104 a year
Denton County80$5,198 — WellPoint$10,018$7,614 — Expanded Bronze, UnitedHealthcare$2,404 a year
DeWitt County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Dickens County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Dimmit County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Donley County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Duval County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Eastland County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Ector County35$7,306 — Baylor Scott and White Health Plan$12,726$8,942 — Expanded Bronze, Baylor Scott and White Health Plan$3,784 a year
Edwards County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
El Paso County108$4,509 — Blue Cross and Blue Shield of Texas$6,429$6,202 — Expanded Bronze, Blue Cross and Blue Shield of Texas$227 a year
Ellis County114$5,198 — WellPoint$10,018$6,906 — Expanded Bronze, Baylor Scott and White Health Plan$3,112 a year
Erath County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Falls County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Fannin County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Fayette County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Fisher County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Floyd County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Foard County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Fort Bend County71$5,590 — Oscar Insurance$10,770$6,408 — Expanded Bronze, UnitedHealthcare$4,362 a year
Franklin County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Freestone County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Frio County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Gaines County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Galveston County60$5,590 — Oscar Insurance$10,770$6,408 — Expanded Bronze, UnitedHealthcare$4,362 a year
Garza County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Gillespie County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Glasscock County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Goliad County12$7,907 — Ambetter from Superior HealthPlan$9,727$9,707 — Gold, Ambetter from Superior HealthPlan$20 a year
Gonzales County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Gray County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Grayson County26$6,300 — UnitedHealthcare$7,400$7,283 — Expanded Bronze, UnitedHealthcare$117 a year
Gregg County59$4,843 — CHRISTUS Health Plan$9,563$7,114 — Expanded Bronze, UnitedHealthcare$2,449 a year
Grimes County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Guadalupe County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Hale County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hall County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hamilton County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hansford County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hardeman County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Hardin County62$4,906 — CHRISTUS Health Plan$9,626$6,455 — Expanded Bronze, UnitedHealthcare$3,171 a year
Harris County119$4,494 — Community Health Choice$9,214$6,408 — Expanded Bronze, UnitedHealthcare$2,806 a year
Harrison County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hartley County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Haskell County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Hays County100$4,647 — CHRISTUS Health Plan$9,367$6,345 — Expanded Bronze, UnitedHealthcare$3,022 a year
Hemphill County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Henderson County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hidalgo County76$4,564 — Blue Cross and Blue Shield of Texas$6,084$6,084 — Expanded Bronze, Blue Cross and Blue Shield of Texasnothing — it wins on both
Hill County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Hockley County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hood County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hopkins County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Houston County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Howard County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Hudspeth County26$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Hunt County72$5,198 — WellPoint$10,018$7,614 — Expanded Bronze, UnitedHealthcare$2,404 a year
Hutchinson County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Irion County26$5,461 — UnitedHealthcare$6,561$6,406 — Expanded Bronze, UnitedHealthcare$155 a year
Jack County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Jackson County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Jasper County20$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Jeff Davis County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Jefferson County88$4,617 — CHRISTUS Health Plan$9,837$6,455 — Expanded Bronze, UnitedHealthcare$3,382 a year
Jim Hogg County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Jim Wells County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Johnson County66$5,198 — WellPoint$10,018$7,614 — Expanded Bronze, UnitedHealthcare$2,404 a year
Jones County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Karnes County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Kaufman County46$5,198 — WellPoint$10,018$7,966 — Expanded Bronze, WellPoint$2,052 a year
Kendall County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Kenedy County26$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Kent County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Kerr County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Kimble County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
King County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Kinney County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Kleberg County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Knox County27$4,226 — Baylor Scott and White Health Plan$9,646$5,813 — Expanded Bronze, Baylor Scott and White Health Plan$3,833 a year
La Salle County26$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Lamar County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Lamb County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Lampasas County54$5,848 — Baylor Scott and White Health Plan$11,268$7,069 — Expanded Bronze, UnitedHealthcare$4,199 a year
Lavaca County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Lee County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Leon County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Liberty County39$5,590 — Oscar Insurance$10,770$6,827 — Expanded Bronze, UnitedHealthcare$3,943 a year
Limestone County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Lipscomb County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Live Oak County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Llano County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Loving County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Lubbock County72$5,845 — Baylor Scott and White Health Plan$11,265$7,354 — Expanded Bronze, UnitedHealthcare$3,911 a year
Lynn County34$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Madison County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Marion County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Martin County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Mason County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Matagorda County67$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Maverick County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
McCulloch County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
McLennan County21$4,226 — Baylor Scott and White Health Plan$9,646$5,813 — Expanded Bronze, Baylor Scott and White Health Plan$3,833 a year
McMullen County26$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Medina County38$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Menard County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Midland County53$5,045 — Blue Cross and Blue Shield of Texas$7,665$7,104 — Expanded Bronze, Blue Cross and Blue Shield of Texas$561 a year
Milam County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Mills County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Mitchell County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Montague County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Montgomery County78$4,623 — Imperial Insurance Companies$10,043$6,408 — Expanded Bronze, UnitedHealthcare$3,635 a year
Moore County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Morris County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Motley County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Nacogdoches County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Navarro County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Newton County20$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Nolan County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Nueces County62$4,847 — CHRISTUS Health Plan$10,067$6,686 — Expanded Bronze, UnitedHealthcare$3,381 a year
Ochiltree County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Oldham County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Orange County82$4,906 — CHRISTUS Health Plan$9,626$6,455 — Expanded Bronze, UnitedHealthcare$3,171 a year
Palo Pinto County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Panola County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Parker County47$5,717 — Oscar Insurance$10,897$7,614 — Expanded Bronze, UnitedHealthcare$3,283 a year
Parmer County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Pecos County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Polk County20$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Potter County53$5,819 — Blue Cross and Blue Shield of Texas$8,439$7,299 — Expanded Bronze, UnitedHealthcare$1,140 a year
Presidio County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Rains County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Randall County53$5,819 — Blue Cross and Blue Shield of Texas$8,439$7,299 — Expanded Bronze, UnitedHealthcare$1,140 a year
Reagan County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Real County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Red River County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Reeves County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Refugio County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Roberts County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Robertson County44$5,370 — UnitedHealthcare$6,470$6,311 — Expanded Bronze, UnitedHealthcare$159 a year
Rockwall County115$5,198 — WellPoint$10,018$6,906 — Expanded Bronze, Baylor Scott and White Health Plan$3,112 a year
Runnels County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Rusk County44$5,495 — Blue Cross and Blue Shield of Texas$8,115$7,114 — Expanded Bronze, UnitedHealthcare$1,001 a year
Sabine County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
San Augustine County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
San Jacinto County39$5,590 — Oscar Insurance$10,770$6,827 — Expanded Bronze, UnitedHealthcare$3,943 a year
San Patricio County42$5,150 — CHRISTUS Health Plan$9,870$6,686 — Expanded Bronze, UnitedHealthcare$3,184 a year
San Saba County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Schleicher County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Scurry County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Shackelford County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Shelby County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Sherman County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Smith County39$5,378 — CHRISTUS Health Plan$10,098$7,287 — Expanded Bronze, UnitedHealthcare$2,811 a year
Somervell County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Starr County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Stephens County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Sterling County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Stonewall County12$7,809 — Ambetter from Superior HealthPlan$9,629$9,607 — Gold, Ambetter from Superior HealthPlan$22 a year
Sutton County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Swisher County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Tarrant County91$5,198 — WellPoint$10,018$7,614 — Expanded Bronze, UnitedHealthcare$2,404 a year
Taylor County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Terrell County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Terry County34$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Throckmorton County27$6,966 — Blue Cross and Blue Shield of Texas$9,586$9,077 — Expanded Bronze, Blue Cross and Blue Shield of Texas$509 a year
Titus County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Tom Green County26$5,461 — UnitedHealthcare$6,561$6,406 — Expanded Bronze, UnitedHealthcare$155 a year
Travis County109$5,192 — Sendero Health Plans$9,092$6,345 — Expanded Bronze, UnitedHealthcare$2,747 a year
Trinity County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Tyler County32$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Upshur County45$4,843 — CHRISTUS Health Plan$9,563$7,114 — Expanded Bronze, UnitedHealthcare$2,449 a year
Upton County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Uvalde County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Val Verde County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Van Zandt County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Victoria County12$7,907 — Ambetter from Superior HealthPlan$9,727$9,707 — Gold, Ambetter from Superior HealthPlan$20 a year
Walker County64$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Waller County39$5,590 — Oscar Insurance$10,770$6,827 — Expanded Bronze, UnitedHealthcare$3,943 a year
Ward County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Washington County28$5,942 — Baylor Scott and White Health Plan$11,362$7,557 — Expanded Bronze, Baylor Scott and White Health Plan$3,805 a year
Webb County44$6,888 — UnitedHealthcare$7,988$7,897 — Expanded Bronze, UnitedHealthcare$91 a year
Wharton County47$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Wheeler County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Wichita County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Wilbarger County18$6,672 — Blue Cross and Blue Shield of Texas$9,292$8,775 — Expanded Bronze, Blue Cross and Blue Shield of Texas$517 a year
Willacy County38$5,413 — Oscar Insurance$10,593$6,533 — Expanded Bronze, UnitedHealthcare$4,060 a year
Williamson County109$5,192 — Sendero Health Plans$9,092$6,345 — Expanded Bronze, UnitedHealthcare$2,747 a year
Wilson County26$5,700 — Oscar Insurance$10,880$7,669 — Expanded Bronze, UnitedHealthcare$3,211 a year
Winkler County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Wise County47$5,717 — Oscar Insurance$10,897$7,614 — Expanded Bronze, UnitedHealthcare$3,283 a year
Wood County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Yoakum County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Young County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Zapata County26$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year
Zavala County14$5,583 — UnitedHealthcare$6,683$6,533 — Expanded Bronze, UnitedHealthcare$150 a year

254 rows — scroll inside the table to read them all.

5. Download the whole thing

Every Texas county, all three care scenarios, both plans named with their deductibles, premiums, out-of-pocket costs and totals:

Texas county plan costs (CSV, 762 rows)

The three-state version — Florida, Texas and Ohio, 1,227 rows — is here.

Four limits travel with these numbers. They price one buyer, a single 40-year-old; family and tobacco rating move them. The three care scenarios are CMS's own stylised courses of care, which makes counties comparable but is not a forecast of your year. Premiums are full price — a credit lowers them all, and changes the ordering only where it covers the cheapest plan outright [1,3,4]. And they say nothing about networks or drug formularies: two plans at the same total cost are not equivalent if one of them does not cover your doctor.

The same table for the other two states we price is at Florida and Ohio. If you are self-employed, the worked case for a $55,000 income in Texas is here.

Frequently asked questions

What is the cheapest health insurance in Texas?
The lowest marketplace premium available to a 40-year-old in Texas is $4,226 a year, in Cottle County; across the state the floor ranges up to $7,907 in Calhoun County [1,2]. In Harris County it is $4,494 and in Travis County $5,192. Whether the lowest-premium plan is the cheapest *plan* depends on how much care you expect to use — for a year containing a birth it is not, in 94% of Texas counties [1,2].
Is the cheapest plan in Texas actually the cheapest?
For a low-use year, usually yes — and Texas is the state where this is most often true. The cheapest-premium plan ranks second overall in the median Texas county for a year of managing diabetes, and in Hidalgo and Cameron counties it is the outright cheapest [1,2]. For a year containing a birth it is not the cheapest in any county we priced, and the median cost of choosing it is $6,310 [1,2].
How much is health insurance a month in Texas?
The cheapest plans run from about $352 a month in Cottle County to about $659 in Calhoun, at age 40 and before any premium tax credit [1,2]. A credit is set by the second-lowest-cost Silver plan in your county and subtracts the same amount from every plan, so it lowers all of these figures without changing which plan is cheapest [1,3,4].
Why do two Texas counties next to each other show identical prices?
Because Texas's 254 counties share only 25 marketplace rating areas [1,2]. Rates are filed per rating area, so every county in the same area sees the same plans at the same prices. Florida, by contrast, gives each of its 67 counties its own rating area [1,2].
Which county in Texas has the most expensive health insurance?
Calhoun County — and, identically, Goliad and Victoria, which share its rating area — where the cheapest plan available to a 40-year-old is $7,907 a year, 87% more than Cottle County's $4,226 [1,2]. Read that field with care: 32 of the 44 plans filed in that rating area have no service area in it, so the choice is genuinely thin [1,2]. Among the large metros, Bexar County (San Antonio) has both the highest floor at $5,700 and the smallest field at 38 plans, which is part of the same story: fewer carriers competing.
Does a subsidy change which Texas plan I should buy?
No. The premium tax credit is a fixed dollar amount set by your county's benchmark Silver plan, so it comes off every plan equally and leaves the ranking untouched — until it exceeds the cheapest premium outright, which at a $40,000 income happens in 38 of our 409 counties. Texas's median diabetes-year penalty is $150 at full price, at $55,000 and at $40,000 alike [1,3,4]. Note that for plan year 2026 a single person earning over $62,600 receives no credit at all, because the enhanced credits expired at the end of 2025 [3,4].

Sources

Every figure on this page is footnoted to one of the primary documents below. Reliability tiers: A = regulator, court or filed document; B = reputable publisher or carrier official page; C = user-generated (reported by users).

  1. 1.Centers for Medicare & Medicaid Services — Qualified Health Plan Landscape and Benefits & Cost Sharing Public Use Files, plan year 2026. https://www.cms.gov/marketplace/resources/data/public-use-filesTier A · Regulator / court / filed document · Published 2026-08-01 · Accessed 2026-09-03
  2. 2.Best Worst Insurance — Annual cost of every marketplace plan in 409 counties, ranked two ways (PY2026). https://bestworstinsurance.com/data/us-health/county-plan-costs.csvTier A · Regulator / court / filed document · Published 2026-09-19 · Accessed 2026-09-19
  3. 3.Internal Revenue Service — Revenue Procedure 2025-25 — Applicable Percentage Table for 2026. https://www.irs.gov/pub/irs-drop/rp-25-25.pdfTier A · Regulator / court / filed document · Published 2025-07-18 · Accessed 2026-09-19
  4. 4.US Department of Health and Human Services, ASPE — 2025 Poverty Guidelines. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelinesTier A · Regulator / court / filed document · Published 2025-01-17 · Accessed 2026-09-19