Harbor Health Plans - TEXAS

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2026 Plan Grid

About Harbor Health - Care and coverage combined

Harbor Health began in Austin, delivering healthcare for folks in the community. Then they decided to make their own health plan through Harbor Health Insurance Company, designed by Harbor Health doctors to keep you on the smartest path to health.

Harbor Health Top Plans

Gold G1 - Lowest monthly premium and slightly higher maximum out-of-pocket

Silver S5 and S6 - Slightly higher premium and lower maximum out-of-pocket

Harbor Health is in-network with Austin's top docs

Harbor Health plans give you access to a trusted network of top clinicians across Austin. Whether you’re looking for everyday care or a specialist, Harbor Health makes it simple to explore your options and connect with providers who fit your needs.

Don’t see these plans when you’re shopping online? Individual eligibility and pricing for plans may vary. Email us at Help@ihealthagents.com so we can find the best plan for you.

Benefit	Silver S1	Silver S1S	Gold G1	Gold G1S
Plan Summary of Benefits	Download PDF Here	Download PDF Here	Download PDF Here	Download PDF Here
Deductible (Individual / Family)	$5,500 / $11,000	$6,300 / $12,600	$0	$2,000 / $4,000
Out-of-Pocket Max (Individual / Family)	$8,850 / $17,700	$8,500 / $17,000	$10,150 / $20,300	$8,200 / $16,400
Primary Care Provider Visit	$30 copay	$0 copay	$0 copay	$0 copay
Specialist Office Visit	$60 copay	$0 copay	50% coinsurance	40% coinsurance
Urgent Care Visit	$75 copay	$40 copay	$50 copay	$50 copay
Virtual Care Visit	Same as office visit	Same as office visit	Same as office visit	Same as office visit
Emergency Room Visit	50% coinsurance	50% coinsurance	50% coinsurance	40% coinsurance
Prescription Medications
Value Tier	$10 copay	$10 copay	$10 copay	$10 copay
Select (Generic)	50% coinsurance	50% coinsurance	50% coinsurance	40% coinsurance
Preferred Brand	50% coinsurance	50% coinsurance	50% coinsurance	40% coinsurance
Non-Preferred Brand	50% coinsurance	50% coinsurance	50% coinsurance	40% coinsurance
Preferred Specialty	50% coinsurance	50% coinsurance	50% coinsurance	40% coinsurance
Non-Preferred Specialty	Not covered	Not covered	Not covered	Not covered

Harbor Health In-Network Hospitals - Austin Metro (2026 Plans)

All 2026 Harbor Health Individual & Family plans use Harbor's HMO network in the Austin area. The hospitals and specialty facilities below appear in Harbor Health's official provider directory for 2026 Individual & Family (HMO) plans, searched within 50 miles of downtown Austin in August 2026. Emergency care is covered at any hospital, even out of network.

Always confirm before you enroll. Network participation changes. Look up your exact hospital and doctors in Harbor Health's official directory, or call a licensed Texas agent at (972) 666-0578.
Open the Harbor Health Provider Directory

Austin

Hospital	City	Facility Type
Dell Seton Medical Center at The University of Texas	Austin	Acute inpatient hospital
Ascension Seton Medical Center Austin	Austin	Acute inpatient hospital
Ascension Seton Northwest Hospital	Austin	Acute inpatient hospital
Ascension Seton Southwest Hospital	Austin	Acute inpatient hospital
St. David's Medical Center	Austin	Acute inpatient hospital
St. David's North Austin Medical Center	Austin	Acute inpatient hospital
St. David's South Austin Medical Center	Austin	Acute inpatient hospital
Heart Hospital of Austin	Austin	Acute inpatient hospital (cardiac)
Dell Children's Medical Center of Central Texas	Austin	Children's acute inpatient
Dell Children's Medical Center North Campus	Austin	Children's acute inpatient
Texas Children's Hospital North Austin Campus	Austin	Children's acute inpatient
St. David's Rehabilitation Hospital	Austin	Rehabilitation hospital
Central Texas Rehabilitation Hospital	Austin	Rehabilitation hospital
Ascension Seton Shoal Creek Hospital	Austin	Behavioral health
Cross Creek Hospital	Austin	Psychiatric hospital
Northwest Hills Surgical Hospital	Austin	Surgical / ambulatory surgery
St. David's Surgical Hospital	Austin (Louis Henna Blvd)	Surgical / ambulatory surgery

Round Rock, Georgetown & Cedar Park

Hospital	City	Facility Type
Ascension Seton Williamson Hospital	Round Rock	Acute inpatient hospital
St. David's Round Rock Medical Center	Round Rock	Acute inpatient hospital
Family Hospital at Brushy Creek	Round Rock	Acute short-term hospital
PAM Rehabilitation Hospital of Round Rock	Round Rock	Rehabilitation hospital
Resolute Rehabilitation at Cornerstone Hospital	Round Rock	Rehabilitation hospital
St. David's Georgetown Hospital	Georgetown	Acute inpatient hospital
Cedar Park Regional Medical Center	Cedar Park	Acute inpatient hospital

Kyle, San Marcos & Lakeway

Hospital	City	Facility Type
Ascension Seton Hays	Kyle	Acute inpatient hospital
Warm Springs Rehabilitation Hospital of Kyle	Kyle	Rehabilitation hospital
CHRISTUS Santa Rosa Hospital - San Marcos	San Marcos	Acute inpatient hospital
Baylor Scott & White Medical Center - Lakeway	Lakeway	Acute inpatient hospital

Expanding for 2027

Harbor Health has announced its Individual & Family plans expand to 13 Texas counties across five metros for plan year 2027 - Austin, Dallas-Fort Worth, San Antonio, Houston, and El Paso (available November 1, 2026, effective January 1, 2027). We will publish hospital tables for the new metros as soon as Harbor's 2027 directory is live. Members traveling outside the service area have access to the First Health national network for emergencies.

This list is a reference of facilities returned by Harbor Health's official provider directory (2026 Individual & Family HMO, searched August 2026) and is not a guarantee of coverage. Names, affiliations, and network participation change over time and vary by plan and facility. Always verify your specific hospital and doctors in the official directory at harborhealth.com before enrolling, or call (972) 666-0578.

Find Your 2026 Harbor Health Plan