Texas Individual Health Insurance - 2026 Plans
Compare ACA marketplace plans from every major Texas carrier. Enter your ZIP code for instant quotes - no contact info required.
Independent, Authorized Agent for
BlueCross and BlueShield of Texas
Our Rating: ★★★★☆
One of the largest carriers in Texas and part of one of the largest carriers nationwide, BCBSTX offers a wide variety of plans and an excellent network of physicians.
Molina Healthcare
Our Rating: ★★★☆☆
Molina offers great value and provides high quality, affordable health care to families and individuals covered by government programs in Texas for over 30 years.
Oscar Health
Our Rating: ★★★★★
Oscar takes a new, technology forward direction for health insurance. Covering Austin and San Antonio, Oscar appears to have the lowest prices in 2026.
Ambetter Superior Texas
Ambetter Texas ACA Plan Features:
- Ambetter sells good cheap health insurance, but you should check with your doctors before you buy a plan to make sure they accept the coverage. Ambetter customers have reported issues with finding in-network doctors, even using the company's online search tool.
- Cheap rates and good perks like $0 Telemedicine, vision, dental, and discounts on gym memberships and mental health apps
- Do require electronic referrals
- Don’t cover services provided by out-of-network health care professionals, except for emergency services for HMO and EPO plans
- Offers off-exchange plans with a larger, nationwide PPO network (not subsidy eligible)
Harbor Health
Harbor Health ACA Plan Features:
Harbor Health is a provider-owned Austin plan built by its own clinicians, with St. David's, Ascension Seton and Dell Children's in network. The Gold G1 plan carries a $0 deductible and every plan includes $0 primary care. Individual & family coverage expands to 13 counties across five Texas metros for 2027.
United HealthCare
UHC Texas ACA Plan Features:
- Have customized, focused networks of health care professionals
- Require that members have a primary care physician (PCP), or UHC will assign one to them
- Do require electronic referrals
- Have prior authorization and notification requirements
- Require that members pay the first month’s premium before coverage goes into effect
- Don’t cover services provided by out-of-network health care professionals, except for emergency services and relevant admissions UHC authorizes
Moda Health
Moda Texas ACA Plan Features:
Wellpoint Texas Health
Wellpoint ACA Plan Features:
Cigna Health
Cigna Texas ACA Plan Features:
Every Carrier Still Selling Marketplace Coverage in Texas for 2026
Texas has no single statewide marketplace. Most carriers here are regional, and the list of who sells at your address is usually shorter than this table suggests. Start with availability, then compare. Carriers leaving the market are listed separately at the bottom.
| Carrier | Where It Sells | Network Reach | Plan Type | Best For |
|---|---|---|---|---|
| BlueCross BlueShield of Texas | Statewide, all 254 counties | Widest | HMO (Blue Advantage, MyBlue Health) | Anyone who wants the largest hospital and physician network in the state |
| Ambetter from Superior | Most Texas counties | Broad | HMO (Value) & EPO (Premier) | Budget-first buyers who will verify their doctors before enrolling |
| Wellpoint | 30 counties — DFW, Houston, San Antonio, El Paso, Lubbock, Southeast TX, plus six added for 2026 | Regional | HMO & POS | Buyers who want copays outside the deductible and a deep plan menu |
| Oscar Health | Austin and San Antonio metros | Regional | EPO | Price-sensitive metro buyers comfortable with an app-first insurer |
| Molina Healthcare | 13 counties, concentrated in DFW | Narrow | HMO | Subsidized DFW buyers; strong Medicaid-to-Marketplace continuity |
| CHRISTUS Health Plan | East Texas (Tyler, Longview, Beaumont), Central Texas (Waco, Bryan–College Station, Lufkin), Corpus Christi | Regional | HMO | East and Central Texas buyers already inside the CHRISTUS system |
| Harbor Health | Austin metro — expanding to 13 counties / 5 metros for 2027 | Narrow | HMO | Austin residents who want $0 primary care and provider-owned care |
| Moda Health | Travis, Williamson and Hays counties only | Narrowest | EPO — no referrals | Austin Regional Clinic and ADC patients who want flat drug copays |
| UnitedHealthcare | Select Texas markets — confirm by ZIP | Regional | HMO, focused networks | Buyers who want a national brand and accept referral requirements |
| Cigna Healthcare | Select Texas metros — confirm by ZIP | Regional | HMO / EPO | Buyers who value a national brand with strong pharmacy integration |
"Network reach" describes how much of Texas a carrier sells in — not how good the network is inside its own footprint. A narrow carrier can have excellent local access. Availability, deductibles and networks change every plan year; verify before enrolling.
Which Carrier Fits Which Person
Availability at your address narrows this list faster than anything else. Run your ZIP code first, then use these to choose among whatever comes back.
BlueCross BlueShield of Texas
The default answer for most Texans. The largest network in the state and the only carrier selling in all 254 counties.
- Live outside a major metro, where the alternatives thin out fast
- Have established specialists and want the best odds they are in network
- Move around Texas or split time between cities
- Want a choice of plan structures, from MyBlue Health up through Blue Advantage Plus
- Are shopping purely on premium; regional carriers often undercut BCBSTX in metros
- Want an app-first, digitally native experience
Ambetter from Superior
One of the largest marketplace insurers in the country, with aggressive pricing and broad county coverage.
- Are shopping primarily on monthly premium
- Want extras like $0 telemedicine, gym discounts and wellness rewards
- Live in a county where few other carriers sell
- Want an off-exchange PPO option with a nationwide network
- Have doctors you are unwilling to change — members report directory accuracy problems, so call the office directly, not just the online finder
- Dislike referral requirements; the HMO and EPO plans require them
Wellpoint
An Elevance Health company, formerly Amerigroup, with the deepest plan menu of any regional carrier in Texas.
- Live in DFW, Houston, San Antonio, El Paso, Lubbock or Southeast Texas, or one of six counties added for 2026
- Expect to actually use care — copays and drugs sit outside the deductible on many plans
- Want real choice: 19 plans from Catastrophic through Gold, HMO and POS
- Want an HSA-eligible option or bundled adult dental and vision
- Live in the Austin metro, which Wellpoint does not serve on the individual side
- Find a large plan menu more confusing than helpful
Oscar Health
A technology-forward insurer that has priced aggressively in its Texas metros.
- Live in Austin or San Antonio and are shopping on price
- Want a genuinely good member app and concierge support
- Use virtual care often
- Do not need referrals — the EPO structure skips them
- Live outside those two metros
- Need out-of-network coverage beyond emergencies
- Prefer phone-first service over app-first
Molina Healthcare
Thirty years of Texas experience serving government-program populations, now concentrated in the DFW area after a significant 2026 county realignment.
- Live in one of the 13 counties: Collin, Cooke, Dallas, Denton, Ellis, Fannin, Grayson, Hood, Johnson, Parker, Rockwall, Tarrant or Wise
- Are transitioning off Medicaid and want to stay in a familiar network
- Qualify for cost-sharing reductions at the Silver level
- Live in one of the 16 counties Molina exited for 2026
- Want a broad specialist network or out-of-area coverage
CHRISTUS Health Plan
A provider-owned Catholic nonprofit plan built around the CHRISTUS hospital system.
- Live in Tyler, Longview, Beaumont, Waco, Bryan–College Station, Lufkin or Corpus Christi
- Already receive care within CHRISTUS facilities
- Qualify for Silver CSR subsidies, which can cut the effective deductible sharply
- Want plans that bundle dental and vision
- Live in DFW, Houston, San Antonio or Austin — CHRISTUS does not sell there
- Want out-of-network flexibility
Harbor Health
A provider-owned plan built by Harbor Health's own Austin clinicians, with St. David's, Ascension Seton and Dell Children's in network.
- Live and get all your care in the Austin area
- Want $0 primary care in a coordinated, PCP-led model
- Are relatively healthy — the Gold G1 plan carries a $0 deductible
- Travel around Texas; there is no out-of-network coverage outside emergencies
- See specialists often — specialist care runs 40–50% coinsurance on Gold plans
- Take non-preferred specialty drugs, which are not covered
Moda Health
A nonprofit insurer using the Moda Select network, anchored by Austin Regional Clinic, Austin Diagnostic Clinic and St. David's HealthCare.
- Already see an Austin Regional Clinic or ADC physician
- Want specialist access without referrals
- Prefer flat-dollar drug copays over coinsurance at every metal level
- Want an HSA-eligible plan — the Bronze HDHP 7500 qualifies
- Live outside the three-county footprint, the narrowest in Texas
- Need out-of-network care beyond emergencies and retail pharmacy
UnitedHealthcare
A national carrier running focused, tightly managed networks on the Texas individual market.
- Want a national brand with deep member tools and a large provider system
- Are comfortable in a PCP-coordinated model
- Also want to bundle UHC dental, vision or hospital indemnity coverage
- Dislike referral and prior-authorization requirements — UHC uses both heavily
- Need out-of-network coverage; it is limited to emergencies and authorized admissions
- Want to skip the first-month premium requirement before coverage begins
Cigna Healthcare
A national carrier with strong pharmacy integration through Evernorth, selling in select Texas metro markets.
- Take ongoing or specialty prescriptions and want integrated pharmacy management
- Want a national brand with 24/7 support and wellness programs
- Live in a metro where Cigna competes on price
- Live outside Cigna's Texas metro footprint
- Need broad out-of-network access
Not on this list — carriers leaving the Texas marketplace
- Aetna CVS Health exited the individual and family exchange business effective 1/1/2026. Former members needed to select a replacement carrier for the 2026 plan year.
- Scott & White Health Plans is exiting the individual and family exchange business effective 1/1/2027. If you hold a Scott & White plan, your coverage will not renew and you will need to choose a new carrier through the Marketplace. Schedule time with an agent before open enrollment closes.
- Antidote Health is entering Texas with individual ACA plans for 2027 and is not yet available for 2026.
Where These Plans Are Available in Texas
Pick a carrier to see its 2026 individual & family service area. Hover or tap any county for details.