7 Best Health Insurance in Texas | Ultimate Guide

Health is one of the necessities of human needs that must be given attention at all times. This is because, without good health, life can’t be boasted of.

Most people find it challenging doing this because the cost of health is always high. In a state like Texas that has high health spending because of the higher prices paid for hospitals, doctors, and prescriptions, it is more challenging except you have health insurance.

Statistically, the report shows that an average person spends $6,110 on health in Texas which is almost 4% higher than the U.S average. Imagine what having a health insurance plan can do to this figure.

Now, considering there are several health insurance companies in Texas, USA, and leaving you to make a choice without proper guidance can be difficult, we have put down in this article the 7 best Health Insurance in Texas you can choose from this 2022.

What is Health Insurance?

According to the Health Insurance Association of America, health insurance is defined as “coverage that provides for the payments of benefits as a result of sickness or injury.

In the same vein, it’s a form of insurance that usually provides for nearly all medical costs paid by the insured. It can repay the insured for costs incurred as a result of sickness or disability or pay them directly to the care provider.

It is also used in workplace incentive programs as a way of recruiting high-quality workers, with premiums partly paid by the employer but also often withheld from employee paychecks.

However, the cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free, with certain exceptions for S Corporation Employees.

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How Does Health Insurance Work In Texas?

There are different health insurance options available in Texas. Each has its own cost and unique benefits. There is short-term health insurance in Texas which deals with temporary medical insurance plans.

In Texas, this type of insurance provides budget-friendly monthly payments and health care coverage.

Also, there is health insurance coverage for multiple years. An example is TriTerm Medical insurance by Gold Rule Insurance company, which is short-term health insurance that provides coverage for preventive care, office visits, and prescriptions.

This is how it works…

You can only apply once in 3 years. Once you apply, you get a $2 million lifetime benefit.
Note, Health insurance in Texas can be bought through Health Insurance Marketplace. These are plans that meet government requirements per the Affordable Care Act.

What Is the cost of Health Insurance in Texas

The cost of a Health insurance plan in every state varies. There are affected by factors like the type of plan, policy, household income, and size of the family.

For example, children ages 14 and younger cost $305 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $509 to insure. A family of five would pay $610 more per month for a health plan than a family of three.

On the other hand, Texas residents can expect to pay an average of $221.67 each for a basic major medical individual health insurance plan.

The table below explains how the prices will vary in terms of plans.

Metal LevelAverage Monthly Premium*

Average Cost of health insurance by family size in Texas

The cost of a health insurance plan in Texas will differ based on your chosen policy, your 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 on their age.

For instance, children cost $344 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $575 to insure. A family of five would pay $689 more per month for a health plan than a family of three.

Here’s a tabular representation of the average cost of health insurance according to Valuepenguin.

Family sizeAverage cost
Adult & child$920
Couple (two adults)$1,151
Family of three (two adults & child)$1,495
Family of four (two adults & two children)$1,839
Family of five (two adults & three children)$2,184

How can I get Considerable Health Insurance in Texas?

To get health care services are an affordable cost, follow the tips below.

Go for a plan that suits you

Each Health Insurance plan has unique benefits, although they all aim to provide quality health care service. They also differ in price. So, go for the one that you can afford.

READ ALSO: Why Is Car Insurance So Expensive In 2023?

Stay Connected

Provider networks are associations of physicians, hospitals, and other health providers who have agreed to collaborate on the health plan.

If you go to a company that isn’t on the plan network, you’ll have to pay a bigger part of the charge–or the whole bill.

Take advantage of the privileges of your member

Some health insurance programs give members discounts for attendance for gyms and eye services. In addition, some initiatives offer special reward plans to help you stop smoking, lose weight or exercise more.

Keep your wellbeing under control

Improving your well-being doesn’t just sound amazing; it will save you money. The happier you are the fewer you ought to see a doctor. Do your best to eat well, work out, and have daily health checks.

Save on the coverage of your prescription

Take a quick look at the package to see how you get coupons for using some drug or mail-order pharmacy facilities. Also, if you are willing and available), use a generic version of your medication—most of the time it will help you save money.

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How To Find A Cheap Health Insurance In Texas

When searching for a new health insurance policy in Texas, the best way to ensure you get a cheap one is to compare plans from several companies.

Comparing policies gives you a better understanding of which companies place more emphasis on your location and age. Then, using your criteria and needs, you can choose a policy that works best for you.

7 best Health Insurance in Texas in 2023

In Texas, several Health Insurance available for residents and non-residents in the state and beyond. Below is a list of the 7 best Healthcare insurance in located Texas:

  • Oscar Health Insurance
  • FirstCare Health Plans
  • Ambetter from Superior Health plan in Texas
  • Blue Cross and Blue Shield of Texas
  • Molina Health Care in Texas
  • Sendero Health Insurance
  • CHRISTUS Health Insurance

Read: Oscar Health Insurance Reviews 2023: Is It Legit Or Scam | How It Works

#1. Oscar Health Insurance

Address: 295 Lafayette St., 6th Floor

One of the best health insurance in Texas is Oscar Health Insurance. This health insurance company is a technology-driven company established in 2012 in New York City. The company focuses on technological interfaces.

Currently, the company has over 400,000 members with a revenue of more $2 Billion.

Oscar offers three different health plans in over 16 states in the united state of America. The plans include Individual Health Plans, Small Group Health Plans, and Medicare Advantage.

The following are the states this health insurance serves:

  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Kansas
  • Missouri
  • Michigan
  • New York
  • Pennsylvania
  • Virginia
  • Ohio
  • Texas
  • New Jersey
  • Tennessee
  • California

Furthermore, Oscar Health insurance provides health plans for businesses. It gives these businesses access to its hospital partners, mount Sinai, Montefiore, and CHS.

Click the link below to know more about this Health Insurance company.


#2. FirstCare Health Plans

Address: 12940 N. Hwy 183, Austin, TX 78750

Next on our list of best Health Insurance companies in Texas is FirstCare Health Insurance. This company was established in 1985 in Amarillo. Its core aim is to make quality healthcare services easily accessible to all.

Despite the high-quality healthcare services it offers, it makes its services affordable.
This company offers HMO, PPO, Medicare Advantage, Medicaid, and CHIP products. Currently, FirstCare has over 185,000 members in 143 cities in Texas.

Click the link below to know more about this Health Insurance company.


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#3. Ambetter from Superior Health plan in Texas

Address: 7700 Forsyth Blvd. St. Louis, MO 63105

Ambetter from Superior Health plan in Texas, also known as Health Insurance Marketplace, is one of the top health insurance in Texas, established in 1984.

This company provides affordable healthcare services to different people on a 24/7 basis.

Basically, Amabetter offers unique plans that cover the following: Emergency services, outpatient or ambulatory services, preventive and wellness services, maternity and newborn care, pediatric services, mental health, and substance abuse services, laboratory services, prescription drugs, and therapy services.

Ambetter plans are available in just 19 states. Some of these states include:

  • Arkansas
  • Florida
  • Georgia
  • Mississippi
  • Illinois
  • Indiana
  • Massachusetts
  • New Hampshire
  • Ohio
  • Texas
  • Washington
  • Wisconsin

But, to be eligible for this company’s health insurance, your annual household income must be between 100%-400% of the Federal Poverty Level.

The downsides of this company are that it doesn’t have a mobile app, unlike other top health insurance companies. And it finds it difficult to specify its health plans.

Click the link below to know more about this Health Insurance company.


#4. Blue Cross and Blue Shield of Texas

Address: Tyler 3800 Paluxy Drive, Suite 540 Tyler, TX 75703

Blue Cross and Blue Shield company offers one of the best health insurance in Texas, USA. The company was established in 1929 as the nation’s hospital pre-payment plan.

Blue Cross and Blue Shield developed separately, with Blue Cross providing coverage for hospital services and Blue Shield covering physicians’ services.

Basically, BCBSTX offers Individual health plans for yourself and your family, Medicare plans, and Medicaid plans for those who qualify. It is known as the largest provider of health benefits in Texas because it has over 5 million members in 254 counties.

Click the link below to know more about this Health Insurance company.


#5. CHRISTUS Health Insurance

CHRISTUS Health is a Catholic health company that gives its members access to quality medical services at an affordable cost. The Company Health Insurance plans include the following:

  • Individual and Family Health Plan: plans offered both on and off the Health Insurance Exchange.
  • Medicare Advantage: plans for seniors.
  • US Family Health Plans: plans for active military, retirees, and their families.

Click the link below to know more about this Health Insurance company.


Check Out: 15 Part-Time Jobs With Health Insurance In 2023

#6. Molina Health Care in Texas

Molina Health Care is one of the best health insurance companies in Texas, USA, established in 1980. The company offers health insurance through government programs such as Medicaid and Medicare.

Its Medicaid plans are for residents of California, Florida, Illinois, Michigan, Mississippi, Ohio, Puerto Rico, New Mexico, New York, South Carolina, Texas, Utah, Washington, and Wisconsin.

Moreso, the company offers health information management and business process outsourcing solutions for state Medicaid programs. Molina’s health plans currently serve approximately 2.3 million members in 11 states.

Click the link below to know more about this Health Insurance company.


#7. Sendero Health Insurance

This is another top Health Insurance in Texas provided by Sendero Company. Established in 2011, Sendero is a non-profit, community-based health plan that offers essential, quality, and personalized care in the Austin area.

Sendero Health Plans offers its members a great assortment of value-added healthcare services, more than those available anywhere in Texas.

Click the link below to know more about this Health Insurance company.


FAQs On Health Insurance In Texas

Is healthcare in Texas free?

You can access low-cost or free health insurance in Texas through several plans: Obamacare, short-term, or catastrophic. You can also get coverage from a government-funded program, such as Medicaid or the Children’s Health Insurance Program (CHIP).

Can I buy health insurance on my own?

Yes, you can get personal health insurance through your limited corporation.

How do I get cheap health insurance in Texas?

When browsing for a new health insurance policy in Texas, the safest way to ensure you get a cheap policy is to compare plans from several different companies.


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