Looking for a Health Insurance Quote?

Get a free quote in under 5 minutes with our online form!


Texas Health Insurance Stats

Learn more about a variety of statistics about health care coverage in Texas

Average Lifespan
Average Lifespan
78.5 /YRS
Insurance Costs
Average Health Insurance Cost
$489.06 /MO
Number of Hospitals
Health Rank
Health Ranking
Expanded Medicaid
Expanded Medicaid
Health Insurance Marketplace
Healthcare Costs
Healthcare Costs
(Expenses per inpatient stay)
Did you know?
Learn more about a variety of statistics about health care coverage in Texas
Health Issues
Top Public Health Issues
  1. Heart Disease (18th)
  2. Cancer (38th)
  3. Stroke (9th)
Health Companies
Largest Health Companies
  1. HCSC
  2. UnitedHealth
  3. Humana

Texas Health Insurance

Texas ranks 44th in the health rankings, making it one of the least healthy states in the US. We can understand why given their reputation for BBQ and Mexican cuisine. Every state has potential for improvement in health care, with Texas leading the way. Here’s what you’ll need if you want to take care of all of your healthcare needs.

Finding Health Coverage in Texas

Health insurance serves as a safety net in an emergency; it also plays an important role in your overall health. You can see your primary care physician, who can help you with various issues if you have health insurance. Working alongside your doctor to establish a preventive plan is one of the most important services your plan provides, which many individuals do not take advantage of. You can keep your health and avoid getting sick by doing so. Here’s how to get started if you’re seeking medical insurance in Texas.

What are the Enrollment Dates for Texas?

Because of the Affordable Care Act, states now have the option of creating their state-controlled marketplace or participating in the federally administered marketplace (ACA). Texas is among the states that have opted to run it by the federal government. As a result, Texas residents can enroll in healthcare coverage without fear of being turned down every year. If you missed the 2022 enrollment window, you might still be eligible for a Special Enrollment Period (SEP) in which you can apply for Texas health insurance. If you’ve had a qualifying life event, such as losing health insurance due to a job loss, family changes such as marriage, divorce, or a family member’s death, change of address, or giving birth, you may be eligible for a SEP.

Affordable Health Insurance Options in Texas

FirstQuote Health is determined to offer you the best advice and quotes for your preferred medical insurance in Texas. As you seek affordable health insurance, copays, deductibles, coinsurance percentages, and out-of-pocket maximum are the critical factors to keep an eye on. The following are some of the affordable health insurance options in Texas.

Gold Plans for Expensive Healthcare Needs

Consumers with more extensive medical demands, such as those who require routine prescriptions or costly treatments, should choose a higher-tier plan, such as a Gold-tier plan. These programs have a higher monthly charge, but they will lower your out-of-pocket medical expenses, saving you money in the long run. Gold plans will have significantly lower copays, coinsurance, and deductibles than lower-tier plans, implying that each visit to a provider will be less expensive.

Silver Plans for Middle to Low-Class Earners

Because they blend maximum out-of-pocket costs and monthly premium payments, Silver health plans are solid medium ground for most consumers. Low-income families might also benefit greatly from silver plans. A Silver plan is virtually always the best option for households with incomes less than 250 percent of the federal poverty limit. These plans will have reduced premiums, and cost-sharing will be modified to match the more expensive alternatives.

Catastrophic and Bronze Plans for the Healthy Young People

Bronze and Catastrophic policies are the cheapest healthcare insurance options. While these plans have cheap monthly premiums, they have high out-of-pocket costs, with premiums and out-of-pocket maximums generally near the maximum amount allowed by law. This amounts to $8,700 for individuals and $17,400 for a family in 2022. Lower premiums may seem enticing, but these policies usually don’t cover anything until you’ve paid off thousands of dollars in bills.

If you already have or are considering a provider, directly contacting the business is the quickest approach to getting insured. Because Texas is the country’s second-largest state, it has many qualifying health insurance options. The most popular affordable health insurance Texas for enrolling with one of the top health insurance providers in Texas are Health Care Service Corporation (HCSC), UnitedHealthcare, and Humana. They will offer you the best health insurance in Texas.

Frequently Asked Questions

How To Get Health Insurance in Texas?

When looking for a new health care plan in Texas, comparing plans from multiple firms is the best approach to ensure you get an affordable healthcare package. You’ll see which companies pay more attention to your location and age by comparing rules. Then, according to your parameters and requirements, you can choose the best policy for you.

How Much Does Health Insurance Cost in Texas?

For a 40-year-old purchasing a silver plan for 2022, the Texas health insurance plans are estimated to cost $575. However, the cost of medical insurance in Texas varies depending on where you live, how old you are, and which particular grade of coverage you choose. A 40-year-health old’s insurance rates, for example, are 53% lower than that of a 60-year-old.

Does Texas Require You to Have Health Insurance?

No, since 2019, Texas health insurance plans are not mandatory. When Obama’s Affordable Care Act was passed, a version of the bill was known as the individual mandate. The individual mandate obliged all Americans to enroll in coverage or suffer a penalty come tax season, with a few exceptions.

Many people argued that the law was unconstitutional because it required everyone to have health insurance. When Republican President Donald Trump entered office, he immediately signed an executive order repealing the original mandate, effective January 1, 2019. Many states have elected to build their versions of the requirement since they still want the restrictions from the piece of legislation. That is not the case in Texas.