Texas has more uninsured residents than any other state — but quality coverage is more accessible than most Texans realize. Texas Health Plans connects you with licensed Texas experts who compare every plan from BCBS Texas, Ambetter, Molina, Oscar, and UnitedHealthcare available in your county.
Photograph · Texas Hill Country
Texas Carriers We Compare
From a single rancher in the Panhandle to a roofing crew in Houston and a young family in Austin — we work with the carriers, plan types, and enrollment timelines that actually fit Texas life.
Available in every one of Texas's 254 counties. Many Texans qualify for subsidized or even zero-premium plans after tax credits — we'll find out what you're entitled to.
Designed for self-employed Texans, oil & gas contractors, ranch families, and households that don't get coverage through an employer. One plan, the whole household.
From a two-person crew to a 50-employee Texas company. We compare traditional group health, ICHRA reimbursement models, and level-funded plans so you can offer real benefits without surprise costs.
Standalone Texas dental plans for adults and families. Preventive cleanings are typically covered in full — major work scales with your plan tier.
Annual exams, frames, contacts, and pediatric vision — usable at most Texas optometrists and major retailers.
Bridge coverage between jobs, drilling-season layoffs, or open enrollment windows — plus accident, critical-illness, and hospital indemnity to back up a high-deductible Texas plan.
Texas has the highest uninsured rate in the country. The people who fall through the cracks aren't the ones with corporate jobs — they're the contractors, the farmworkers, the small-business owners, and the families just over the Medicaid line. They're who we built this for.
Freelancers, real-estate agents, oil-field contractors, hairstylists, plumbers, electricians — anyone running a 1099 business across Texas who needs to buy coverage on their own.
Two-parent and single-parent households across Houston, Dallas, San Antonio, Austin, and rural Texas. We coordinate CHIP, pediatric, and adult coverage in one plan.
Seasonal agricultural workers, farm owners, and ranch hands in the Rio Grande Valley, the Panhandle, and East Texas. We find coverage that works around seasonal income.
Two-to-fifty employee Texas companies — restaurants, construction firms, professional services, retail. We compare traditional group, ICHRA, and level-funded plans.
We don't make this complicated, because it doesn't have to be. The Texas marketplace is well-stocked — the hard part is knowing which plan actually fits your county, your providers, and your income. That's what your advisor does.
Share your ZIP, household size, and rough income. Two minutes. No SSN required. We only need enough to check what's available in your county and what subsidies you may qualify for.
A licensed Texas advisor compares BCBS Texas, Ambetter, Molina, Oscar, UnitedHealthcare, and the off-marketplace carriers serving your area — including CHIP Texas eligibility for your kids.
Plain Texas English. No upsells. We'll tell you which carriers your doctors are in-network with, what the trade-offs are, and whether you qualify for a zero-premium plan after tax credits.
Most Texans are enrolled within 48 hours. Your advisor stays your contact for claims questions, network changes, renewals, and any life event that requires a Special Enrollment Period.
"Texas didn't expand Medicaid. That left roughly four million Texans in the coverage gap. Our job is to find the plan that closes it — county by county, family by family."
We're not owned by any carrier and we don't sell outside Texas. Our advisors compare every plan available in your county on a level playing field — no preferred carrier, no quota.
Carriers compensate us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct from the carrier.
Your personal Texas Health Plans advisor stays with you year over year — reviewing your plan during open enrollment, handling claims issues, and being there when life changes mid-year.
Most clients are enrolled within 48 hours. Our process is digital where it can be and human where it needs to be — no stacks of paperwork and no waiting weeks for coverage to begin.
The right Texas plan depends on whether you're covering yourself, your household, or your team. Every track below includes a licensed Texas advisor who handles the comparison and the enrollment at no cost to you.
The Texans we serve aren't case studies — they're contractors, ranchers, families, and small-business owners across all 254 counties. Here's what a few of them have to say.
"I'd been uninsured for two years working in the oil patch. My Texas Health Plans advisor found me a plan in Harris County that covered my back surgery and my prescriptions. First time I've had real coverage since leaving a company job."
"Para una familia de cinco en San Antonio, encontrar un plan con cobertura pediátrica buena era casi imposible. Mi agente bilingüe me encontró un plan de Ambetter que también incluye CHIP para los más chicos."
"I run a roofing crew of twelve in Dallas. The ICHRA design they set up gives my guys real coverage, costs me less than a traditional group plan, and the Texas filings are handled. My turnover dropped within six months."
"We farm wheat in the Panhandle. Income swings hard year to year. My advisor helped us re-shop every Open Enrollment so we never overpay when it's a lean season. That alone is worth it."
"I aged off my mom's plan at 26 right after moving to Austin for a tech job that didn't offer benefits. They found me a Silver plan with mental-health coverage I actually use. Quick, no pressure, free."
"We were two ranch hands and a barn cat in deep South Texas with no coverage. They walked us through CHIP for the kids and a marketplace plan for me and my wife — all in one call. In Spanish, in plain Texas terms."
A few quick questions. A licensed Texas Health Plans advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Texas insurance is its own beast — no Medicaid expansion, 254 counties of network variation, and a marketplace that changes every year. Here are honest answers to the questions our Texas clients ask first.
No. Texas is one of the few remaining states that did not adopt Medicaid expansion under the ACA. As a result, roughly four million Texans fall into the 'coverage gap' — earning too much to qualify for traditional Texas Medicaid but historically too little to qualify for marketplace subsidies. Enhanced premium tax credits have closed much of that gap in recent years, and many Texans now qualify for plans with very low or even zero monthly premiums after subsidies. A licensed Texas Health Plans advisor can confirm what you qualify for in your county.
Self-employed Texans — freelancers, oil & gas contractors, real-estate agents, hairstylists, tradespeople, farm and ranch operators — can enroll in ACA marketplace plans during Open Enrollment (November 1 – January 15) or after a qualifying life event. Plans are available in all 254 Texas counties from carriers including BCBS Texas, Ambetter, Molina, Oscar, and UnitedHealthcare. Many self-employed Texans also qualify for premium tax credits based on projected business income.
CHIP (the Children's Health Insurance Program) in Texas provides low-cost health coverage for children in families that earn too much to qualify for Medicaid but cannot afford private coverage. CHIP Texas covers regular checkups, immunizations, prescriptions, dental, vision, hospital care, and mental-health services for children under 19. Your Texas Health Plans advisor will check whether your kids qualify for CHIP while you're shopping for adult marketplace coverage — the two programs can be coordinated in one household.
The major carriers offering individual and family plans in Texas include Blue Cross Blue Shield of Texas (BCBS Texas) — the largest by enrollment — along with Ambetter (Superior HealthPlan), Molina Healthcare, Oscar Health, UnitedHealthcare, and Aetna CVS Health. The 'best' carrier depends entirely on your county, your providers, your prescriptions, and your budget. Networks and formularies vary significantly between Houston, Dallas, San Antonio, Austin, and the smaller markets — which is exactly why we compare them side-by-side rather than recommending one carrier across the board.
Yes. Texas farm and ranch workers — including seasonal agricultural workers in the Rio Grande Valley, the Panhandle, and East Texas — can enroll in ACA marketplace plans the same as any other Texas resident. Because farm income often varies seasonally, premium tax credits can be especially valuable. We can also help families coordinate CHIP for children and discuss short-term bridge plans for periods between work seasons. Bilingual advisors are available.
ACA premium tax credits are calculated against the Federal Poverty Level (FPL) and have been expanded under recent legislation. In Texas, individuals and families earning between roughly 100% and well above 400% FPL may qualify for premium subsidies. As a guideline, a Texas family of four can often qualify for some level of premium assistance up into the low-six-figure income range. Income, household size, and county all affect the actual credit amount — your advisor will run the exact numbers for your situation at no cost.
Open Enrollment for Texas marketplace plans runs November 1 through January 15. Outside that window you'll need a Qualifying Life Event (losing job coverage, marriage, birth, move, etc.) to trigger a Special Enrollment Period. To enroll, you can use Healthcare.gov directly, but most Texans choose to work with a licensed Texas advisor — at no cost — to compare carriers, confirm provider networks, check subsidy eligibility, and submit the application correctly. Texas Health Plans handles every step.
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