Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance Plans in Texas 2026
Texas has the most competitive individual health insurance market in the country. Compare U65 private, ACA marketplace, and off-exchange plans with a licensed TX agent.
TTY 711 | Licensed in 50 states | Free, no-obligation quote
Quick Answer: Individual health insurance in Texas costs $155 to $460 per month for a U65 private plan and $235 to $670 per month for an unsubsidized ACA plan in 2026. Texas is one of the most competitive U65 private health insurance markets nationally. For healthy Texas residents above the ACA subsidy threshold, U65 private plans typically save $80 to $210 per month vs unsubsidized ACA. Call 888-828-5064 for a free multi-carrier Texas comparison.
📊 According to KFF Health Policy, Texas has the highest number of uninsured individuals of any state to approximately 5 million adults to largely due to the state’s decision not to expand Medicaid and its large population of workers in agriculture, construction, and small business sectors without employer coverage. This makes affordable individual health insurance access critically important for millions of Texans.
Individual Health Insurance Options in Texas
| Plan Type | Monthly Cost Range | Enrollment | Key Texas Carriers |
|---|---|---|---|
| U65 Private Plan | $155 to $460 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, BCBS TX |
| ACA Marketplace | $0 to $600 with subsidy | Open enrollment or SEP | BCBS TX, Scott and White, Molina, Community Health Choice |
| Medicaid (Texas) | Very limited to not expanded | Limited qualifying groups | Texas Medicaid (children, some disabled adults) |
| Short-Term Plan | $75 to $195 | Year-round | Multiple carriers |
Texas has not expanded Medicaid. Texas Medicaid primarily covers children (CHIP), pregnant women, and people with disabilities. Most working-age adults without children do not qualify for Texas Medicaid regardless of income. Per CMS.gov, ACA subsidies are available for Texas residents earning approximately $15,060 to $60,240 individually to but those below this range without Medicaid access face a significant coverage gap.
Compare Texas Health Insurance Plans Now
A licensed HealthPlusLife agent compares all available Texas plans from multiple carriers for your Texas region, income level, and health needs. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance in Texas: Competitive Pricing
Texas is one of the strongest U65 private health insurance markets in the country. Dallas, Houston, Austin, San Antonio, and the hundreds of mid-size Texas cities all have strong carrier competition and excellent U65 private plan pricing. Texas’s large technology, energy, healthcare, and construction sectors produce millions of self-employed workers, contractors, and small business owners who need individual health insurance year-round.
| Age | U65 Private Monthly (Texas) | ACA Unsubsidized Monthly | Annual Savings with U65 Private |
|---|---|---|---|
| 28 to 35 | $155 to $240 | $240 to $370 | Up to $1,620/yr |
| 36 to 45 | $215 to $345 | $310 to $460 | Up to $1,380/yr |
| 46 to 55 | $320 to $480 | $440 to $640 | Up to $1,920/yr |
| 56 to 64 | $435 to $640 | $640 to $940 | Up to $3,600/yr |
📊 HealthPlusLife enrollment data for Texas clients in 2024 and 2025 found that healthy Texas residents above the ACA subsidy threshold who compared U65 private plans saved an average of $171 per month compared to unsubsidized ACA plans. Texas is consistently among the top 3 states for U65 private plan savings due to the strength of carrier competition and the large above-threshold income population.
Texas is our second largest market after Florida. The size of the Texas self-employed, contractor, and small business owner population is extraordinary to and most of them are significantly overpaying for health insurance because they default to unsubsidized ACA plans without knowing about U65 private alternatives. We routinely save Texas clients $150 to $250 per month in this state.
Licensed HealthPlusLife Agent, Fort Lauderdale, FL
Major Texas Cities and Regions We Serve
HealthPlusLife serves all 254 Texas counties. We are most active in the major metros to Dallas-Fort Worth, Houston, San Antonio, Austin, El Paso, and Amarillo to but we serve every Texas zip code. Rural Texas clients have full access to U65 private plans from major national carriers.
- Call 888-828-5064 to speak to a licensed Texas health insurance agent
- Share your Texas county or zip code, age, and income
- Compare U65 and ACA options for your Texas region
- Verify your doctors are in-network
- Enroll in minutes
Get Your Texas Health Insurance Quote Today
Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost.
Licensed in all 50 states | Free quote | No obligation | Coverage as fast as tomorrow
Related guides: Florida health insurance | Georgia health insurance | self-employed health insurance | U65 health insurance
