Health Insurance Cost in Texas

Health insurance premiums in Texas vary by household size and plan type. Single coverage averages $480, while family plans average $1,320 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$320

Average:$480

High End:$720

Couple

Monthly premium

Low End:$640

Average:$960

High End:$1,400

Family of 4

Monthly premium

Low End:$980

Average:$1,320

High End:$1,900

Health Insurance in Texas: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use HealthCare.gov.

Major Carriers

Common insurers in the state include:

Blue Cross Blue Shield of TexasOscarAmbetterMolina Healthcare

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $320 to $720

View details →

Couple Coverage

Monthly premiums range from $640 to $1,400

View details →

Family of 4 Coverage

Monthly premiums range from $980 to $1,900

View details →

Related Resources

ACA subsidy examples for Texas
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in Texas
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.