Cheapest (and Best) Health Insurance in Corpus Christi, TX (2024)

Where you live significantly affects how much you pay for health insurance. Additionally, factors like age, plan type, health care needs and the number of people on your plan affect your cost.

MoneyGeek researched marketplace data to find insurance companies offering the cheapest health insurance in Corpus Christi, Texas. After assessing monthly premiums and MOOP costs, plan options and claims denial rate, we also found the best health insurance company.

Not every insurer offers each plan type, so shop around for the right one. If only one insurer is available in your area, opt for the best plan for you.

MoneyGeek gathered information about cost, plan options and customer service to find the provider offering the best combination. Our analysis shows Aetna is overall the best health insurance company in Corpus Christi, with an average monthly cost of $509 and a $5,215 average MOOP for Silver plans.

Ambetter from Superior Health Plan is the second-best option, costing an average of $577 per month with a MOOP of $4,800 for a Silver plan. In addition to cost, you should consider plan options, cost-sharing options and customer service when choosing a provider. Analyzing these factors can help you choose the most suitable insurer in Corpus Christi and find the best health insurance in Texas.

MoneyGeek found that Ambetter offers the best cheap health insurance in Corpus Christi. The company has an average policy cost of $584 monthly with the lowest MOOP of $4,314.

Your premiums will depend on how you split the cost of medical expenses with the insurance company. Since costs are different in each location, you might get the cheapest health insurance in Texas from another company.

The best insurer won’t always have the lowest premiums. Still, if finding low-cost health insurance is your priority, it’s best to understand the marketplace metal system and how premiums and MOOP costs are related. You should also consider the role deductibles, copays and co-insurance play in the average cost of health insurance.

MoneyGeek found Aetna is Corpus Christi’s cheapest Silver provider, with an average cost of $509 per month. Keep in mind that the cheapest policy won’t necessarily offer the best coverage. However, you can opt for a Silver plan if cost is your concern. These plans are mid-tier options with affordable premiums.

The metal tier system has different levels, from Bronze through Platinum, where Bronze plans have the lowest cost. Catastrophic plans are even cheaper than Bronze ones but only available for those under 30.

Plans with lower premiums generally have higher MOOP costs and don’t offer much protection against everyday health expenses. The table below lists Corpus Christi’s cheapest providers by metal tier.

Aetna’s Silver plan is the most affordable, at an average monthly premium of $476.

MoneyGeek gathered information about the cheapest providers by metal tiers and their average plan costs in the table below.

Regardless of where you live in the state, your age significantly impacts your health insurance cost. Health expenses generally increase with age, so insurers charge more as you age to accommodate the increased costs.

You will pay the lowest monthly costs with a Bronze or Expanded Bronze plan. Catastrophic plans are the most affordable, but generally, they have an age requirement.

When opting for these plans, you should ensure you’re comfortable with their network, as choosing out-of-network services will significantly increase your cost. We listed the cheapest providers for Silver plans in the chart below.

Your age and metal tier significantly affect your health insurance costs. See the chart below for examples of costs by metal tier and age.

Individuals with incomes within a certain bracket can benefit significantly from subsidies to help lower their monthly insurance premiums. These subsidies apply to those whose income is between 100% and 250% of the FPL. But the American Rescue Plan Act and the Inflation Reduction Act allow individuals with an income over 400% of the FPL to benefit from these subsidies through 2025.

Those not qualifying for a subsidy can benefit from Children’s Health Insurance Program (CHIP) or Medicare and Medicaid. However, your income must be between 100% and 150% of the FPL for Medicaid, depending on your location.

MoneyGeek answered the following frequently asked questions to help you understand how health insurance works in Corpus Christi.