Best Cheap Health Insurance in Texas

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People looking for the best health insurance options in Texas can find cheap subsidized policies offered on the Texas health insurance exchange. Currently there are eight companies offering plans on the exchanges, although not all companies offer plans in every county. Overall, the companies with the cheapest health plans in Texas are Celtic Insurance Company (Ambetter), Oscar Health and Molina Healthcare of Texas. Of all the companies servicing Texas, Blue Cross and Blue Shield (BCBS)is the only one operating in all 254 counties in the state. The other insurance carriers are only offering plans in parts of the state.

Among the Blue Cross and Blue Shield plans, the average consumer will probably want to begin shopping by looking at the Blue Advantage Silver HMO 205. The plan is the cheapest Silver option sold by BCBS in most counties, and as a Silver plan qualifies for additional subsidies for low-income families.

• Cheapest Health Insurance Coverage by Metal Tier
• Health Insurance Companies in Texas
• Cheapest Silver Plan by County
• Average Cost of Health Insurance by Family Size

Cheapest Health Insurance Coverage by Metal Tier

To help you get started finding the best health plan available for your preferred level of coverage, we compared Texas policies by metal tier and identified the cheapest option available in the state. The set of insurers and health plans varies by county, so not all of those listed below are available in every region. We recommend using these as a starting point to assess the monthly premiums you can expect as compared to benefits and out-of-pocket expenses.

Metal tier	Cheapest plan	Deductible	Out-of-pocket maximum	Monthly cost for 40-year-old
Catastrophic	Simple Secure	$7,350	$7,350	$191
Bronze	Simple Bronze	$7,350	$7,350	$256
Expanded Bronze	Molina Marketplace Choice Bronze Plan	$6,400	$7,350	$256
Silver	Ambetter Balanced Care 5	$7,350	$7,350	$295
Gold	Ambetter Secure Care 1 with 3 Free PCP Visits	$1,000	$6,350	$342

For a chosen tier of coverage, your age will directly impact the premiums you pay for health insurance. A 40-year-old would pay 28% more for health coverage than a 21-year-old would pay, which would translate to an additional $92 per month for a Bronze plan but $123 more for a Gold plan in Texas. However, that 40-year-old would pay 53% cheaper rates than what a 60-year-old would pay for the same coverage.

Finding the Best Health Insurance Coverage in Texas

Determining which health plan is the best for you and your family will depend on a number of factors. The primary factors to consider are your expected health care costs in a given year, your household income and the amount of savings you have in case of emergency.

Gold plans are best for high expected costs: Consumers with higher expected medical care needs, especially those who have routine prescription needs, should tailor their choices toward higher coverage. This can include the Gold-tiered plans, which come with a higher premium but also reduce your out-of-pocket expenses should you need medical care. Gold plans will have much lower copays, coinsurance and deductibles, meaning each additional visit to a provider will be cheaper than a lower-tier plan. It is especially important to consider the copays and coinsurance for prescription medication, as this is typically the one area of plan benefits that has highest routine use.

Silver plans are best for the average or low-income consumer: Silver health plans are a good middle ground for most consumers since they balance out-of-pocket costs and monthly premium payments. Silver plans also have a huge advantage for low-income households. Silver plans are the only plans that come with a cost-sharing reduction variation, which allows lower-income households to benefit from copays, deductibles and coinsurance much lower than a standard plan. For households with incomes less than 250% of the federal poverty level, a Silver plan is almost always the best option. These will offer lower premiums than Gold plans, and their cost sharing will be adjusted to match more expensive options.

Bronze and Catastrophic plans are best for the young and healthy: At the cheapest end of the premium spectrum are the Bronze and Catastrophic plans. These plans, while cheap in terms of premiums, come with high out-of-pocket costs, often with deductibles and out-of-pocket maximums near the highest allowable by law. In 2019, this is $7,900 for an individual and $15,800 for a household. Consumers might find the lower premiums very appealing, but keep in mind these plans will generally offer nothing until you've paid thousands of dollars in expenses first. This could be problematic if you don't have any disposable savings should you find yourself in need of moderate medical care. In such cases, you would effectively pay for the costs yourself. The Bronze and Catastrophic plans really help out in cases of significant emergencies where care will cost tens or hundreds of thousands of dollars.

Best Cheap Health Insurance Companies in Texas

There are currently eight health insurance companies on the Texas state exchange, which is two fewer than last year. Prominence HealthFirst and Humana stopped offering health plans through the state marketplace.

Health Insurance Companies in Texas

• Blue Cross and Blue Shield of Texas
• Celtic Insurance Company
• CHRISTUS Health Plan
• Community Health Choice Inc.
• Molina Healthcare of Texas Inc.
• Oscar Insurance Co. of Texas
• Sendero Health Plans Inc.
• FirstCare Health Plans

Aside from Blue Cross and Blue Shield, none of these insurers offer health plans in every Texas county, so your options may be limited.

Cheapest Health Insurance Plan by County

For the average consumer looking for a Silver health plan, we've created a list of the cheapest option for each county in Texas, as well as sample quotes for families of different sizes.

County	Cheapest Silver plan	Single adult, age 40	Couple, age 40	Couple, age 40, and child
Anderson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Andrews	Silver 100% H S A	$539	$1,078	$1,401
Angelina	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Aransas	CHP TX Silver HD	$478	$955	$1,241
Archer	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$619	$1,239	$1,609
Armstrong	Silver 100% H S A	$501	$1,003	$1,303
Atascosa	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$559	$1,118	$1,453
Austin	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$545	$1,089	$1,415
Bailey	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Bandera	Ambetter Balanced Care 5	$426	$852	$1,107
Bastrop	IdealCare Complete by Sendero Health Plans	$455	$909	$1,181
Baylor	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Bee	CHP TX Silver HD	$458	$916	$1,190
Bell	Ambetter Balanced Care 5	$433	$865	$1,124
Bexar	Saver Silver	$369	$737	$958
Blanco	Ambetter Balanced Care 5	$295	$590	$767
Borden	Silver 100% H S A	$539	$1,078	$1,401
Bosque	Silver 100% H S A	$539	$1,078	$1,401
Bowie	CHP TX Silver HD	$457	$914	$1,188
Brazoria	Ambetter Balanced Care 5	$390	$779	$1,012
Brazos	Ambetter Balanced Care 5	$403	$805	$1,046
Brewster	Silver 100% H S A	$539	$1,078	$1,401
Briscoe	Silver 100% H S A	$539	$1,078	$1,401
Brooks	Ambetter Balanced Care 5	$295	$590	$767
Brown	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Burleson	Ambetter Balanced Care 5	$403	$805	$1,046
Burnet	Ambetter Balanced Care 5	$295	$590	$767
Caldwell	IdealCare Complete by Sendero Health Plans	$455	$909	$1,181
Calhoun	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$556	$1,112	$1,445
Callahan	Silver 100% H S A	$520	$1,041	$1,352
Cameron	Ambetter Balanced Care 5	$347	$693	$901
Camp	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Carson	Silver 100% H S A	$501	$1,003	$1,303
Cass	CHP TX Silver HD	$458	$916	$1,190
Castro	Silver 100% H S A	$539	$1,078	$1,401
Chambers	Community Health Choice HMO Silver 004	$460	$919	$1,194
Cherokee	CHP TX Silver HD	$458	$916	$1,190
Childress	Silver 100% H S A	$539	$1,078	$1,401
Clay	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$619	$1,239	$1,609
Cochran	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Coke	Silver 100% H S A	$539	$1,078	$1,401
Coleman	Silver 100% H S A	$539	$1,078	$1,401
Collin	Molina Marketplace Silver Plan	$411	$823	$1,069
Collingsworth	Silver 100% H S A	$539	$1,078	$1,401
Colorado	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Comal	Saver Silver	$369	$737	$958
Comanche	Silver 100% H S A	$539	$1,078	$1,401
Concho	Ambetter Balanced Care 5	$295	$590	$767
Cooke	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Coryell	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$526	$1,052	$1,367
Cottle	Silver 100% H S A	$539	$1,078	$1,401
Crane	Silver 100% H S A	$539	$1,078	$1,401
Crockett	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Crosby	Silver 100% H S A	$539	$1,078	$1,401
Culberson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Dallam	Silver 100% H S A	$539	$1,078	$1,401
Dallas	Molina Marketplace Silver Plan	$411	$823	$1,069
Dawson	Silver 100% H S A	$539	$1,078	$1,401
DeWitt	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Deaf Smith	Silver 100% H S A	$539	$1,078	$1,401
Delta	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Denton	Ambetter Balanced Care 5	$415	$830	$1,079
Dickens	Silver 100% H S A	$539	$1,078	$1,401
Dimmit	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Donley	Silver 100% H S A	$539	$1,078	$1,401
Duval	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Eastland	Silver 100% H S A	$539	$1,078	$1,401
Ector	Silver 100% H S A	$488	$976	$1,268
Edwards	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
El Paso	Ambetter Balanced Care 5	$380	$760	$987
Ellis	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Erath	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Falls	Silver 100% H S A	$539	$1,078	$1,401
Fannin	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Fayette	Ambetter Balanced Care 5	$295	$590	$767
Fisher	Silver 100% H S A	$539	$1,078	$1,401
Floyd	Silver 100% H S A	$539	$1,078	$1,401
Foard	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Fort Bend	Ambetter Balanced Care 5	$390	$779	$1,012
Franklin	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Freestone	Silver 100% H S A	$539	$1,078	$1,401
Frio	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Gaines	Silver 100% H S A	$539	$1,078	$1,401
Galveston	Community Health Choice HMO Silver 004	$460	$919	$1,194
Garza	Silver 100% H S A	$539	$1,078	$1,401
Gillespie	Ambetter Balanced Care 5	$295	$590	$767
Glasscock	Silver 100% H S A	$539	$1,078	$1,401
Goliad	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$556	$1,112	$1,445
Gonzales	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Gray	Silver 100% H S A	$539	$1,078	$1,401
Grayson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$583	$1,166	$1,514
Gregg	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$540	$1,080	$1,404
Grimes	Ambetter Balanced Care 5	$295	$590	$767
Guadalupe	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$559	$1,118	$1,453
Hale	Silver 100% H S A	$539	$1,078	$1,401
Hall	Silver 100% H S A	$539	$1,078	$1,401
Hamilton	Silver 100% H S A	$539	$1,078	$1,401
Hansford	Silver 100% H S A	$539	$1,078	$1,401
Hardeman	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Hardin	CHP TX Silver HD	$494	$989	$1,285
Harris	Ambetter Balanced Care 5	$390	$779	$1,012
Harrison	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Hartley	Silver 100% H S A	$539	$1,078	$1,401
Haskell	Silver 100% H S A	$539	$1,078	$1,401
Hays	Saver Silver	$404	$807	$1,049
Hemphill	Silver 100% H S A	$539	$1,078	$1,401
Henderson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Hidalgo	Ambetter Balanced Care 5	$319	$638	$829
Hill	Silver 100% H S A	$539	$1,078	$1,401
Hockley	Silver 100% H S A	$539	$1,078	$1,401
Hood	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Hopkins	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Houston	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Howard	Silver 100% H S A	$539	$1,078	$1,401
Hudspeth	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Hunt	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Hutchinson	Silver 100% H S A	$539	$1,078	$1,401
Irion	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$622	$1,243	$1,616
Jack	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Jackson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Jasper	CHP TX Silver HD	$458	$916	$1,190
Jeff Davis	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Jefferson	Classic Silver	$407	$815	$1,058
Jim Hogg	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Jim Wells	CHP TX Silver HD	$458	$916	$1,190
Johnson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Jones	Silver 100% H S A	$520	$1,041	$1,352
Karnes	CHP TX Silver HD	$458	$916	$1,190
Kaufman	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Kendall	Ambetter Balanced Care 5	$426	$852	$1,107
Kenedy	CHP TX Silver HD	$458	$916	$1,190
Kent	Silver 100% H S A	$539	$1,078	$1,401
Kerr	Ambetter Balanced Care 5	$295	$590	$767
Kimble	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
King	Silver 100% H S A	$539	$1,078	$1,401
Kinney	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Kleberg	CHP TX Silver HD	$458	$916	$1,190
Knox	Silver 100% H S A	$539	$1,078	$1,401
La Salle	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Lamar	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Lamb	Silver 100% H S A	$539	$1,078	$1,401
Lampasas	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$526	$1,052	$1,367
Lavaca	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Lee	Ambetter Balanced Care 5	$295	$590	$767
Leon	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Liberty	Community Health Choice HMO Silver 004	$460	$919	$1,194
Limestone	Silver 100% H S A	$539	$1,078	$1,401
Lipscomb	Silver 100% H S A	$539	$1,078	$1,401
Live Oak	CHP TX Silver HD	$458	$916	$1,190
Llano	Ambetter Balanced Care 5	$295	$590	$767
Loving	Silver 100% H S A	$539	$1,078	$1,401
Lubbock	Silver 100% H S A	$539	$1,078	$1,401
Lynn	Silver 100% H S A	$539	$1,078	$1,401
Madison	Ambetter Balanced Care 5	$295	$590	$767
Marion	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Martin	Silver 100% H S A	$539	$1,078	$1,401
Mason	Ambetter Balanced Care 5	$295	$590	$767
Matagorda	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Maverick	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
McCulloch	Ambetter Balanced Care 5	$295	$590	$767
McLennan	Ambetter Balanced Care 5	$335	$670	$870
McMullen	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Medina	Ambetter Balanced Care 5	$426	$852	$1,107
Menard	Ambetter Balanced Care 5	$295	$590	$767
Midland	Silver 100% H S A	$523	$1,046	$1,359
Milam	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Mills	Silver 100% H S A	$539	$1,078	$1,401
Mitchell	Silver 100% H S A	$539	$1,078	$1,401
Montague	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Montgomery	Ambetter Balanced Care 5	$390	$779	$1,012
Moore	Silver 100% H S A	$539	$1,078	$1,401
Morris	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Motley	Silver 100% H S A	$539	$1,078	$1,401
Nacogdoches	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Navarro	Silver 100% H S A	$539	$1,078	$1,401
Newton	CHP TX Silver HD	$458	$916	$1,190
Nolan	Silver 100% H S A	$539	$1,078	$1,401
Nueces	CHP TX Silver HD	$478	$955	$1,241
Ochiltree	Silver 100% H S A	$539	$1,078	$1,401
Oldham	Silver 100% H S A	$539	$1,078	$1,401
Orange	Community Health Choice HMO Silver 004	$460	$919	$1,194
Palo Pinto	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Panola	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Parker	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Parmer	Silver 100% H S A	$539	$1,078	$1,401
Pecos	Silver 100% H S A	$539	$1,078	$1,401
Polk	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Potter	Silver 100% H S A	$501	$1,003	$1,303
Presidio	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Rains	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Randall	Silver 100% H S A	$501	$1,003	$1,303
Reagan	Silver 100% H S A	$539	$1,078	$1,401
Real	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Red River	CHP TX Silver HD	$458	$916	$1,190
Reeves	Silver 100% H S A	$539	$1,078	$1,401
Refugio	CHP TX Silver HD	$458	$916	$1,190
Roberts	Silver 100% H S A	$539	$1,078	$1,401
Robertson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$563	$1,127	$1,464
Rockwall	Ambetter Balanced Care 5	$415	$830	$1,079
Runnels	Silver 100% H S A	$539	$1,078	$1,401
Rusk	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$540	$1,080	$1,404
Sabine	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
San Augustine	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
San Jacinto	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$545	$1,089	$1,415
San Patricio	CHP TX Silver HD	$478	$955	$1,241
San Saba	Silver 100% H S A	$539	$1,078	$1,401
Schleicher	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Scurry	Silver 100% H S A	$539	$1,078	$1,401
Shackelford	Silver 100% H S A	$539	$1,078	$1,401
Shelby	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Sherman	Silver 100% H S A	$539	$1,078	$1,401
Smith	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$524	$1,048	$1,362
Somervell	Silver 100% H S A	$539	$1,078	$1,401
Starr	Molina Marketplace Silver Plan	$391	$783	$1,017
Stephens	Silver 100% H S A	$539	$1,078	$1,401
Sterling	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Stonewall	Silver 100% H S A	$539	$1,078	$1,401
Sutton	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Swisher	Silver 100% H S A	$539	$1,078	$1,401
Tarrant	Ambetter Balanced Care 5	$415	$830	$1,079
Taylor	Silver 100% H S A	$520	$1,041	$1,352
Terrell	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Terry	Silver 100% H S A	$539	$1,078	$1,401
Throckmorton	Silver 100% H S A	$539	$1,078	$1,401
Titus	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Tom Green	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$622	$1,243	$1,616
Travis	Saver Silver	$404	$807	$1,049
Trinity	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Tyler	CHP TX Silver HD	$458	$916	$1,190
Upshur	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$540	$1,080	$1,404
Upton	Silver 100% H S A	$539	$1,078	$1,401
Uvalde	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Val Verde	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Van Zandt	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Victoria	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$556	$1,112	$1,445
Walker	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Waller	Community Health Choice HMO Silver 004	$460	$919	$1,194
Ward	Silver 100% H S A	$539	$1,078	$1,401
Washington	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Webb	Molina Marketplace Silver Plan	$387	$775	$1,007
Wharton	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Wheeler	Silver 100% H S A	$539	$1,078	$1,401
Wichita	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$619	$1,239	$1,609
Wilbarger	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Willacy	Ambetter Balanced Care 5	$295	$590	$767
Williamson	Saver Silver	$404	$807	$1,049
Wilson	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$559	$1,118	$1,453
Winkler	Silver 100% H S A	$539	$1,078	$1,401
Wise	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$570	$1,140	$1,481
Wood	CHP TX Silver HD	$458	$916	$1,190
Yoakum	Silver 100% H S A	$539	$1,078	$1,401
Young	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Zapata	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426
Zavala	Blue Advantage Silver HMO 205 - Two $25 PCP Visits	$549	$1,097	$1,426

Average Cost of Health Insurance by Family Size in Texas

The cost of a health insurance plan in Texas will vary based on your chosen policy, household income and the size of your family. Each family member added to your policy will increase your monthly health insurance premiums by a certain amount based upon their age.

For instance, children age 14 and younger cost an average of $300 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $500 to insure. So a family of five would pay $599 more per month for a health plan than a family of three.

Family Size	Average Monthly Cost of Health Plan
Single adult	$500
Adult couple	$1,000
Family of three (adult couple and a child)	$1,299
Family of four (adult couple and two children)	$1,599
Family of five (adult couple and three children)	$1,898

Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Texas.