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Lowest premium / month
Texas · Plan year 2026 · Individual marketplace
What health insurance actually costs in Texas
Every number below comes from rates insurers filed with the federal marketplace — not estimates, not quotes from lead forms. Median monthly premium for a 40-year-old ranges from $612.39 to $919.88 depending on where in Texas you live: a 50.2% spread.
Source: CMS Exchange Public Use Files · data imported 2026-07-28 · how we compute this
Look up your county
Premiums are full monthly prices for one non-smoking adult, before any subsidy. Only plans actually sold in your county are counted.
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Median premium / month
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Plans sold in county
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Insurers
cheapest TX areapriciest TX area
Prices shown are before any premium tax credit. Many Texans qualify for a credit that lowers the monthly bill — but the enhanced pandemic-era subsidies ended on December 31, 2025, so most people pay more in 2026 than in prior years. Check your exact after-subsidy price at HealthCare.gov.
Where premiums stand across Texas
New: our data study — six gaps in the Texas insurance terrain, from single-insurer counties to the Gold-under-Silver anomaly.
834
marketplace medical plans statewide
18
insurance companies
50.2%
gap between cheapest and priciest rating area (age 40 median)
0
insurers that sell in every county — local availability really differs
Texas prices health coverage across 27 geographic rating areas, and insurers choose which counties to enter. That is why two neighboring counties can see different plan line-ups and different price floors. The table shows the fifteen counties with the widest choice of plans.
| County | Plans | Insurers | Lowest, age 40 | Median, age 40 | Median Silver, 40 |
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| Dallas | 138 | 10 | $411.53 | $690.41 | $746.78 |
| Tarrant | 128 | 9 | $437.08 | $719.00 | $812.66 |
| Collin | 127 | 10 | $411.53 | $688.04 | $761.37 |
| Bexar | 123 | 9 | $397.16 | $634.40 | $705.66 |
| Harris | 121 | 9 | $374.51 | $646.92 | $755.20 |
| Rockwall | 120 | 9 | $411.53 | $690.36 | $761.37 |
| Ellis | 119 | 8 | $411.53 | $699.58 | $753.17 |
| Denton | 117 | 8 | $437.08 | $717.79 | $796.65 |
| Comal | 115 | 7 | $334.61 | $634.27 | $713.24 |
| Montgomery | 112 | 8 | $431.99 | $666.82 | $739.91 |
| El Paso | 110 | 7 | $375.73 | $653.98 | $755.54 |
| Travis | 110 | 10 | $432.65 | $681.50 | $746.19 |
| Williamson | 110 | 10 | $432.65 | $681.50 | $746.19 |
| Fort Bend | 107 | 7 | $430.06 | $653.79 | $723.54 |
| Hays | 102 | 9 | $321.51 | $656.98 | $748.25 |
All 254 counties are covered by the lookup tool above. Full county pages so far: Harris, Dallas, Tarrant, Bexar, and Travis — linked in the table.
Age changes the picture — up to three-fold
Federal rules let Texas insurers charge a 64-year-old up to three times what a 21-year-old pays for the same plan, and our data shows carriers use every bit of that room. See the full curve, statewide and for the five biggest metros, on the cost-by-age page.
Guides for the moments that change your price
Turning 26 and leaving a parent's plan — deadlines and first-plan prices · Retiring before 65 — the Medicare bridge years · Bronze vs Silver vs Gold — premiums against deductibles, including why Gold often beats Silver here · Self-employed & 1099 — prices plus the tax deduction · COBRA vs marketplace — the after-layoff math.
What this data is — and isn't. These are filed list prices from the federal marketplace's public files: the same rates you would see before subsidies at HealthCare.gov. They are not personal quotes, and they don't reflect employer coverage, Medicaid, or Medicare. Details: methodology & sources.