Health Insurance in Texas

Health insurance in Texas is available through HealthCare.gov, the federal marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 16.4% of Texas's roughly 30.5 million residents are uninsured. Texas has not expanded Medicaid, which can leave a coverage gap for the lowest incomes and makes Marketplace subsidies especially important. Prices and plan choice vary across the state's 254 counties, so where you live matters. Use the guides below to find the right lane for your situation.

Marketplace: HealthCare.gov·Medicaid expansion: Not adopted·Uninsured rate: ~16.4%·Counties: 254·Population: ~30.5M

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Frequently asked questions

Where do I buy health insurance in Texas?
Texas residents enroll through HealthCare.gov (HealthCare.gov). You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in Texas?
Texas offers Medicaid, but has not adopted ACA expansion, so eligibility for adults is more limited. Many low-income residents rely on Marketplace subsidies instead.
How much does health insurance cost in Texas?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many Texas enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.

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