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Find The Best Health Coverage For Your Budget in Texas Health Insurance Enrollment

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How much is health insurance in the state of Texas?

With a population of almost 29,000,000  Texas is the 2nd  most populated state in the country. Annually about 1 million people will enroll in health insurance through the federal marketplace exchange available in Texas. Private marketplace plans are becoming increasingly sought after in Texas as premiums fluctuate and carriers enter and exit the market. Private plans differ from marketplace plans and require eligibility, but may cost substantially less and that is partially due to your ability to buy coverage that you need and that has not been required to include additional coverage options mandated by the Affordable Care Act. 

There are many factors that go into calculating the rate you pay for your health insurance. Below is a breakdown of how much other people in Texas typically pay for coverage based on different factors. 

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Texas Health Insurance Premium by Age

In Texas, the typical customer 26 and younger may pay $188.27 per month while a person over 56 years old may pay over $422.33 per month over average.

Age Range Premiums

Age Range Premium
< 26 $188.27
26 - 35 $286.24
36 - 45 $365.13
46 - 56 $391.18
> 56 $422.33

Texas Health Insurance Premium for Smokers vs. Non-Smokers

As with all states, customers in Texas who smoke may pay a higher premium for their health insurance than those customers who are non-smokers. In Texas smokers pay $361.62 while non-smokers pay $357.29 on average.

Smoker vs. Non-Smoker

Smoker? Average of Health Premium
Non-Smoker $357.29
Smoker $361.62

The most affordable health insurance premiums, by city, in Texas

These cities had the most affordable health insurance premiums across Texas in 2019.

Most Affordable City Premiums in Texas Health Insurance Enrollment

City Average of Health Premium
Teague $112.58
Haltom City $120.29
Killee $121.94
Borger $121.94
Edna $138.34
Forreston $140.67
Maud $141.01
Lewisville $154.81
Raymondville $154.81
Wharton $154.81

The most expensive health insurance premiums, by city, in Texas

These cities had the most expensive health insurance premiums across Texas in 2019.

Most Expensive City Premiums in Texas Health Insurance Enrollment

City Average of Health Premium
Lockhart $722.93
Conroe $727.63
Rockwall $766.23
Pittsburb $774.46
Mcallen $854.61
Heath $874.33
San Saba $894.93
Carrollton $1,043.68
Flower Mound $1,084.11
Belton $1,179.81

When is open enrollment 2021 in Texas?

Open enrollment periods do vary by state and insurance type. Texas 2021 Open Enrollment is November 1, 2020 -December 15, 2020.

Texas utilizes the federal exchange of the Affordable Care Act. Residents may enroll for health insurance on Texas insurance companies that participate in the federal exchange include: Celtic/Ambetter, Blue Cross Blue Shield of Texas, CHRISTUS, Molina, Oscar, Sendero, SHA/First Care, Community Health Choice.

How many people enroll in marketplace health insurance from Texas?

2020: Enrollment increased during the open enrollment period for 2020 coverage, with 1,116,293 people buying individual market plans. Most states that use continued to see enrollment declines for 2020, but enrollment in Texas grew by about 2.7 percent. Average health premiums ranged from $432 to $667 across marketplace plans.


How have marketplace premiums adjusted?

The average price of premiums has fluctuated over the years as carriers have offered or removed coverage entirely or in regions of Texas. Private plans have also been increasing in enrollment options due to the repeal of the marketplace tax penalty.

As of 2019: At ACA Signups, Charles Gaba calculated an average rate increase of 2.25 percent for 2019, including a few insurers that only offer plans outside the exchange. As was the case for 2018, the Texas Department of Insurance did not instruct insurers on how to add the cost of cost-sharing reductions (CSR) to premiums for 2019. The CSR approach was instead left to each insurer’s discretion. Adding the cost of CSR only to silver plan premiums (in many cases, only to on-exchange silver plan premiums) is the most popular approach across the country, but insurers also had the option to add the cost of CSR to all plans.

As of 2021: For 2021, Friday Health Plan will join the exchange in Texas, and Scott & White Health Plan will rejoin the exchange, after previously exiting at the end of 2016. This will bring the total number of participating insurers to ten. Molina will expand its coverage area into five counties that currently only have plans available from Blue Cross Blue Shield of Texas and/or Ambetter.

When is Medicare open enrollment 2021 in Texas?

Medicare open enrollment dates also vary by state. Texas 2021 Medicare Open Enrollment 2021 Medicare Open Enrollment is October 15, 2020-December 7, 2020. The General Enrollment Period begins January 1, 2021 and will end March 31, 2021. The Medicare Advantage Open Enrollment Period is from January 1, 2021 to March 31, 2021


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