Health Insurance Plans in Texas
Compare 222 ACA marketplace plans from 15 issuers in Texas. See real out-of-pocket costs from standardized SBC scenarios.
How we get our data
Our insurance data is sourced directly from the CMS ACA Marketplace (HIOS), the federal database that insurers are required to report to. We process that data to surface standardized out-of-pocket cost estimates based on three SBC scenarios defined by CMS: having a baby, managing diabetes, and treating a fracture. We update our data annually with each new plan year and link to the original SBC documents so you can verify costs directly with the insurer.
Learn more about our dataPlans
222
Issuers
15
HSA-Eligible
63
Plan Types
3
Plans by Metal Level
Out-of-Pocket Cost Scenarios
Standardized SBC scenarios show what you'd pay across all Texas marketplace plans.
Normal delivery
Having a Baby
Type 2, routine care
Managing Diabetes
Emergency room treatment
Simple Fracture
Lowest Cost Plans (Having a Baby)
| Plan Name | Issuer | Metal | Type | HSA | Baby OOP | Diabetes OOP | Fracture OOP |
|---|---|---|---|---|---|---|---|
| University Community Care Plan by Community First - Gold Plan | Community First | Gold | EPO | — | $1,900 | $1,500 | $1,600 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | UnitedHealthcare | Gold | HMO | — | $2,560 | $400 | $2,320 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | Gold | HMO | — | $2,560 | $400 | $2,320 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | Gold | HMO | — | $2,560 | $400 | $2,320 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | Gold | HMO | — | $2,560 | $400 | $2,320 |
Highest Cost Plans (Having a Baby)
| Plan Name | Issuer | Metal | Type | HSA | Baby OOP | Diabetes OOP | Fracture OOP |
|---|---|---|---|---|---|---|---|
| Blue Advantage Security HMO℠ 200 | Blue Cross and Blue Shield of Texas | Catastrophic | HMO | Yes | $10,660 | $2,520 | $2,800 |
| Blue Advantage Security HMO℠ 200 | Blue Cross and Blue Shield of Texas | Catastrophic | HMO | Yes | $10,660 | $2,520 | $2,800 |
| Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | Expanded Bronze | HMO | Yes | $10,660 | $4,720 | $2,810 |
| Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | Expanded Bronze | HMO | Yes | $10,660 | $4,720 | $2,810 |
| Blue Advantage Security HMO℠ 200 | Blue Cross and Blue Shield of Texas | Catastrophic | HMO | Yes | $10,660 | $2,520 | $2,800 |
Insurance Issuers in Texas
| Issuer | Plans | Avg Baby Cost | Avg Diabetes Cost | Avg Fracture Cost |
|---|---|---|---|---|
| UnitedHealthcare | 31 | $5,065 | $577 | $2,473 |
| Blue Cross and Blue Shield of Texas | 25 | $7,784 | $1,822 | $2,412 |
| Oscar Insurance Company | 23 | $7,048 | $3,225 | $2,474 |
| Cigna Healthcare | 22 | $7,694 | $1,738 | $2,210 |
| WellPoint | 21 | $7,403 | $2,777 | $2,449 |
| Ambetter from Superior HealthPlan | 18 | $6,064 | $1,987 | $2,334 |
| CHRISTUS Health Plan | 18 | $7,627 | $3,559 | $2,457 |
| Community Health Choice | 15 | $7,499 | $3,960 | $2,567 |
| Molina Healthcare | 12 | $6,597 | $2,842 | $1,863 |
| Baylor Scott and White Health Plan | 10 | $6,485 | $1,930 | $2,012 |
| Imperial Insurance Companies, Inc. | 7 | $6,724 | $2,770 | $2,193 |
| Sendero Health Plans, Local Nonprofit | 7 | $5,790 | $2,350 | $1,994 |
| Moda Health Plan, Inc. | 5 | $7,934 | $3,800 | $2,598 |
| Harbor Health | 4 | $6,220 | $1,215 | $2,313 |
| Community First | 4 | $4,200 | $1,625 | $2,050 |
Frequently Asked Questions
How many ACA marketplace plans are available in Texas?
What metal levels are available in Texas?
How do SBC cost scenarios work?
What is an HSA-eligible plan?
Compare Texas Health Insurance Plans
Not sure which plan is right for you? Talk to our AI navigator to get personalized recommendations based on your health needs and budget.
Talk to Our AI NavigatorDisclaimer: Our AI navigator provides information collected from trusted sources only and does not constitute licensed insurance advice.
Related Resources
Written by Jayant Panwar | Last reviewed: Q1 2026 | Last updated: January 2026
Insurance Disclaimer: This information is for educational purposes only and does not constitute insurance advice or a recommendation to enroll in any plan. SBC scenarios show standardized cost estimates — your actual costs will vary based on providers, services, and your specific plan benefits. Plans shown are CMS marketplace plans in Texas only, not all insurance available in the state. Consult your insurance company for accurate cost estimates.
Data source: CMS ACA Marketplace (HIOS), 2026 plan year. See our data methodology and editorial policy. Found an error? Report an inaccuracy.