Best Texas Health Insurance (2024 Plans)

Ambetter offers the best health insurance in Texas with a MoneyGeek score of 63 out of 100. Ambetter has affordable plan options and low out-of-pocket costs, and it approves more claims than average.

We evaluated a total of 77 Silver plans in Texas, including EPO, POS and HMO plans, for this analysis.

Oscar Health is the best health insurance in Texas for low out-of-pocket costs, with a MoneyGeek score of 78 out of 100. The company offers plans with affordable premiums and does not deny many claims.

For this analysis, we evaluated 62 Gold plans in Texas.

Aetna is the best cheap health insurance provider in Texas, earning a MoneyGeek score of 70 out of 100. The provider offers plans with the lowest rates, and it has a better-than-average record for approving claims.

For this category, MoneyGeek evaluated 24 Silver EPO plans, 3 Silver POS plans and 50 Silver HMO plans. In picking the best cheap plan, MoneyGeek paid more attention to plans with low monthly costs. Usually, paying less each month for health insurance means you will likely have to pay more when you actually get care.

Aetna offers the best health insurance in Texas for those with low income, scoring 66 out of 100 and offering the cheapest plan options. We evaluated 24 Silver CSR EPO plans, 50 Silver CSR HMO plans and 3 Silver CSR POS plans in Texas for this analysis.

In our analysis, we prioritized plans with low monthly premiums and included only those with cost-sharing reductions (CSRs). CSRs help lower your out-of-pocket costs and deductibles if your income is within certain brackets, so you don't have to choose between paying less each month and paying less when you need care.

A regular Silver plan covers about 70% of healthcare costs, but CSR Silver plans cover more, based on the following brackets:

• If you make between $27,180 and $33,975 a year (201–250% of the federal poverty level), you can expect 73% of your health care costs to be covered.
• If you earn $20,385 to $27,180 a year (151–200% of the federal poverty level), you can expect 87% of your costs to be covered.
• If you make less than $20,385 a year (up to 150% of the federal poverty level), you can expect 94% of your health care costs to be covered.

These income brackets can change depending on how many people live in your home.

Moda offers the best health insurance in Texas for young adults, with a MoneyGeek score of 78 out of 100. Moda provides plan options that are among the cheapest, it has MOOP costs that are lower compared to other companies and it denies few claims.

To find the best insurance for young adults, we looked at several plans, including one Bronze POS plan, five Bronze HMO plans, 29 Expanded Bronze HMO plans, 14 Expanded Bronze EPO plans, two Expanded Bronze POS plans and 2 Catastrophic HMO plans. Only individuals under age 30 can choose Catastrophic plans.

Health insurance companies offer a variety of plans for different needs. The best providers for all plan categories are:

-[EPO]: Ambetter (MoneyGeek score: 62 out of 100) -[HMO]: Ambetter (MoneyGeek score: 71 out of 100) -[POS]: Blue Cross Blue Shield (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations are based on Silver plans. Silver plans usually balance monthly costs and what you pay when you get care. In Texas, there are 24 Silver EPO plans, three Silver POS plans and 50 Silver HMO plans available.

According to MoneyGeek's ratings, National General Accident & Health is the best short-term health insurance in Texas, with a score of 95 out of 100. Since short-term health insurance doesn't provide all the necessary health benefits that are available with Affordable Care Act (ACA) compliant plans, it is ideal for temporarily addressing coverage gaps.

In Texas, the best health insurance for you will depend on your medical needs and how much you are willing to spend on monthly payments. You may choose to pay more each month in premiums to avoid paying as much when you need treatment or the opposite.

You may find the following tips helpful if you are shopping for health insurance in Texas.

Medicare is a federal health insurance program for people 65 and older, people with disabilities or those with certain medical conditions. Its monthly payments depend on the policyholder’s income and plan type. It comprises three parts:

• Part A (hospital insurance): Free and provides coverage for hospital stays, hospice care, a few home health care services and nursing facilities.
• Part B (medical insurance): Covers services like outpatient care, doctor visits and preventive services.
• Part D (prescription drug coverage): Covers prescription drugs and vaccines.

MoneyGeek also offers details about the best Medicare Advantage and best Medicare Supplement plans in Texas.

Medicaid, a free federal program, provides health coverage to Texans whose income falls below a state-mandated limit. This coverage is only available to those who meet the state-specific requirements. To be eligible, you must typically come from a household with a very low income, have children with a low income, be pregnant or have a disability.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.