Texas ACA Health Insurance

254 counties, 18 issuers, 834 plans

$575
Avg Premium (Age 27)
$701
Avg Premium (Age 40)
$1,488
Avg Premium (Age 60)
$4,481
Avg Deductible
The short answer

ACA marketplace coverage in Texas averages $575/mo for a 27-year-old across 254 counties and 18 issuers, before subsidies. Where you live matters most: Brooks is the cheapest county at $584/mo Silver, while Crockett is the priciest at $953/mo.

Premium Range

Premiums in Texas range from $263/mo to $1,155/mo (age 27 base rate).

Reading the Texas Marketplace

The ACA marketplace in Texas lists 834 plans from 18 issuers spread across 254 counties. The statewide average premium is $575/mo for a 27-year-old, $701/mo at age 40, and $1,488/mo at age 60, reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $263 at the low end to $1,155 at the high end, before subsidies.

Geography drives most of the within-state variation: Crockett posts the highest Silver average at $953/mo, while Brooks sits at $584/mo, a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $4,481, the amount most enrollees must pay before non-preventive coverage begins.

Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice, confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.

Top 5 most-expensive counties - Texas (Silver avg)

Top 5 most-expensive counties - Texas (Silver avg) Horizontal bar chart of the top 5 items by value (USD/mo). Top 5 most-expensive counties - Texas (Silver avg) Top 5 1. Crockett $953 2. Reagan $920 3. Concho $890 4. Irion $890 5. Kimble $890 Top 5 Texas counties ranked by average Silver-tier ACA premium (Plan Year 2026). Source: CMS Marketplace Public Use Files.

Source: CMS Health Insurance Marketplace Public Use Files (Plan Year 2026) Texas ACA marketplace premiums by county and metal tier (Plan Year 2026) · 2026 CMS publishes the Marketplace Public Use Files annually, covering the federal exchange and participating state-based exchanges. Premiums shown are pre-subsidy and reflect age-27 Silver averages.

Most Expensive Counties

# County Silver Avg Plans Issuers
1 Crockett $953/mo 33 2
2 Reagan $920/mo 42 3
3 Concho $890/mo 45 3
4 Irion $890/mo 45 3
5 Kimble $890/mo 45 3

Most Affordable Counties

# County Silver Avg Plans Issuers
1 Brooks $584/mo 58 4
2 Hardin $585/mo 64 5
3 Tyler $585/mo 64 5
4 Gregg $586/mo 61 4
5 Jefferson $590/mo 91 6

All Counties in Texas

County Silver Avg Bronze Avg Gold Avg Plans Issuers YoY
Anderson $642 $420 $551 49 3 +42.8%
Andrews $598 $373 $522 54 4 +34.3%
Angelina $639 $409 $547 30 2 +42.2%
Aransas $636 $419 $555 58 4 +32.1%
Archer $774 $462 $657 19 1 +32.3%
Armstrong $693 $410 $605 54 4 +42.9%
Atascosa $643 $411 $563 54 4 +41.7%
Austin $647 $442 $564 60 5 +37.2%
Bailey $703 $431 $602 33 2 +37.7%
Bandera $643 $411 $563 54 4 +41.7%
Bastrop $712 $515 $638 47 4 +37.3%
Baylor $774 $462 $657 19 1 +32.3%
Bee $656 $419 $550 44 3 +31.3%
Bell $665 $431 $579 55 4 +39.9%
Bexar $594 $387 $517 123 9 +34.3%
Blanco $708 $442 $620 54 4 +32.4%
Borden $622 $373 $533 42 3 +33.0%
Bosque $673 $488 $585 38 3 +36.3%
Bowie $665 $418 $560 47 3 +36.1%
Brazoria $644 $442 $559 82 6 +38.8%
Brazos $627 $399 $548 55 4 +36.0%
Brewster $675 $423 $591 51 4 +39.6%
Briscoe $713 $410 $610 42 3 +41.6%
Brooks $584 $402 $510 58 4 +38.4%
Brown $778 $480 $686 31 2 +42.5%
Burleson $623 $399 $547 45 3 +33.0%
Burnet $669 $442 $588 71 6 +32.6%
Caldwell $654 $442 $563 96 7 +30.9%
Calhoun $705 $450 $618 45 3 +41.8%
Callahan $811 $480 $688 28 2 +43.3%
Cameron $630 $392 $546 78 5 +40.3%
Camp $675 $418 $593 45 3 +39.7%
Carson $693 $410 $605 54 4 +42.9%
Cass $665 $418 $560 47 3 +36.1%
Castro $693 $410 $605 54 4 +42.9%
Chambers $640 $404 $560 48 4 +31.9%
Cherokee $623 $420 $543 61 4 +41.5%
Childress $713 $410 $610 42 3 +41.6%
Clay $774 $462 $657 19 1 +32.3%
Cochran $703 $431 $602 33 2 +37.7%
Coke $876 $559 $765 54 4 +40.8%
Coleman $787 $480 $688 40 3 +44.3%
Collin $670 $444 $580 127 10 +41.8%
Collingsworth $693 $410 $605 54 4 +42.9%
Colorado $658 $442 $577 42 3 +37.4%
Comal $597 $387 $521 115 7 +41.1%
Comanche $787 $480 $688 40 3 +44.3%
Concho $890 $559 $781 45 3 +36.7%
Cooke $695 $457 $601 69 5 +36.0%
Coryell $686 $431 $585 43 3 +40.8%
Cottle $670 $462 $568 28 2 +24.2%
Crane $622 $373 $533 42 3 +33.0%
Crockett $953 $559 $819 33 2 +34.6%
Crosby $709 $431 $601 74 5 +39.6%
Culberson $668 $423 $572 30 2 +40.5%
Dallam $693 $410 $605 54 4 +42.9%
Dallas $658 $444 $574 138 10 +43.2%
Dawson $622 $373 $533 42 3 +33.0%
De Witt $705 $450 $618 45 3 +41.8%
Deaf Smith $693 $410 $605 54 4 +42.9%
Delta $675 $418 $593 45 3 +39.7%
Denton $672 $431 $592 117 8 +38.1%
Dickens $689 $431 $589 42 3 +36.2%
Dimmit $670 $411 $574 30 2 +41.5%
Donley $693 $410 $605 54 4 +42.9%
Duval $782 $481 $670 33 2 +42.8%
Eastland $811 $480 $688 28 2 +43.3%
Ector $598 $373 $522 54 4 +34.3%
Edwards $650 $411 $570 42 3 +41.9%
El Paso $634 $395 $554 110 7 +39.9%
Ellis $670 $472 $579 119 8 +43.9%
Erath $753 $462 $645 30 2 +45.7%
Falls $673 $488 $585 38 3 +36.3%
Fannin $704 $457 $608 57 4 +35.1%
Fayette $679 $442 $606 49 4 +30.0%
Fisher $787 $480 $688 40 3 +44.3%
Floyd $689 $431 $589 42 3 +36.2%
Foard $774 $462 $657 19 1 +32.3%
Fort Bend $612 $442 $539 107 7 +34.7%
Franklin $665 $418 $560 47 3 +36.1%
Freestone $673 $488 $585 38 3 +36.3%
Frio $650 $411 $570 42 3 +41.6%
Gaines $622 $373 $533 42 3 +33.0%
Galveston $695 $489 $611 61 5 +46.8%
Garza $689 $431 $589 42 3 +36.2%
Gillespie $650 $411 $570 42 3 +41.9%
Glasscock $622 $373 $533 42 3 +33.0%
Goliad $705 $450 $618 45 3 +41.8%
Gonzales $643 $411 $563 54 4 +42.3%
Gray $693 $410 $605 54 4 +42.9%
Grayson $704 $457 $608 57 4 +35.1%
Gregg $586 $391 $512 61 4 +42.6%
Grimes $623 $399 $547 45 3 +33.0%
Guadalupe $610 $387 $524 96 7 +40.5%
Hale $689 $431 $589 42 3 +36.2%
Hall $713 $410 $610 42 3 +41.6%
Hamilton $665 $431 $579 55 4 +39.9%
Hansford $713 $410 $610 42 3 +41.6%
Hardeman $774 $462 $657 19 1 +32.3%
Hardin $585 $409 $509 64 5 +39.5%
Harris $625 $431 $549 121 9 +39.5%
Harrison $622 $391 $522 47 3 +45.1%
Hartley $693 $410 $605 54 4 +42.9%
Haskell $811 $480 $688 28 2 +43.3%
Hays $647 $422 $564 102 9 +29.5%
Hemphill $713 $410 $610 42 3 +41.6%
Henderson $642 $420 $563 45 3 +43.0%
Hidalgo $609 $402 $526 78 5 +42.9%
Hill $673 $488 $585 38 3 +36.3%
Hockley $689 $431 $589 42 3 +36.2%
Hood $732 $462 $634 54 4 +43.0%
Hopkins $665 $418 $560 47 3 +36.1%
Houston $603 $409 $528 42 3 +40.6%
Howard $622 $373 $533 42 3 +33.0%
Hudspeth $655 $423 $562 42 3 +42.0%
Hunt $728 $472 $632 74 5 +50.4%
Hutchinson $713 $410 $610 42 3 +41.6%
Irion $890 $559 $781 45 3 +36.7%
Jack $650 $433 $568 57 4 +33.0%
Jackson $705 $450 $618 45 3 +41.8%
Jasper $610 $409 $514 50 4 +40.2%
Jeff Davis $668 $423 $572 30 2 +40.5%
Jefferson $590 $409 $509 91 6 +39.7%
Jim Hogg $782 $481 $670 33 2 +46.2%
Jim Wells $656 $419 $550 44 3 +31.3%
Johnson $718 $462 $618 86 6 +39.9%
Jones $811 $480 $688 28 2 +43.3%
Karnes $700 $450 $586 47 3 +39.6%
Kaufman $712 $492 $603 48 3 +40.0%
Kendall $617 $411 $547 65 4 +38.2%
Kenedy $612 $392 $526 58 4 +48.8%
Kent $811 $480 $688 28 2 +43.3%
Kerr $650 $411 $570 42 3 +41.9%
Kimble $890 $559 $781 45 3 +36.7%
King $689 $431 $589 42 3 +36.2%
Kinney $650 $411 $570 42 3 +41.9%
Kleberg $656 $419 $550 44 3 +31.3%
Knox $670 $462 $568 28 2 +24.2%
La Salle $655 $411 $562 42 3 +41.3%
Lamar $684 $418 $587 33 2 +38.9%
Lamb $689 $431 $589 42 3 +36.2%
Lampasas $665 $431 $579 55 4 +39.9%
Lavaca $705 $450 $618 45 3 +41.8%
Lee $682 $442 $606 61 5 +32.2%
Leon $623 $399 $547 45 3 +33.0%
Liberty $639 $404 $558 60 5 +32.8%
Limestone $673 $488 $585 38 3 +36.3%
Lipscomb $713 $410 $610 42 3 +41.6%
Live Oak $656 $419 $550 44 3 +35.0%
Llano $690 $442 $597 64 5 +32.9%
Loving $622 $373 $533 42 3 +33.6%
Lubbock $709 $431 $601 74 5 +39.6%
Lynn $694 $431 $589 63 4 +39.6%
Madison $623 $399 $547 45 3 +33.0%
Marion $622 $391 $522 47 3 +45.1%
Martin $622 $373 $533 42 3 +33.0%
Mason $890 $559 $781 45 3 +36.7%
Matagorda $655 $442 $565 69 5 +39.3%
Maverick $650 $411 $570 42 3 +41.9%
McCulloch $876 $559 $765 54 4 +40.8%
McLennan $665 $488 $578 44 3 +40.0%
McMullen $744 $481 $638 45 3 +43.5%
Medina $624 $411 $543 75 5 +41.9%
Menard $890 $559 $781 45 3 +36.7%
Midland $598 $373 $522 54 4 +30.9%
Milam $617 $399 $539 67 5 +37.2%
Mills $665 $431 $579 55 4 +39.9%
Mitchell $787 $480 $688 40 3 +44.3%
Montague $653 $433 $571 45 3 +31.8%
Montgomery $614 $396 $540 112 8 +33.6%
Moore $713 $410 $610 42 3 +41.6%
Morris $665 $418 $560 47 3 +36.1%
Motley $689 $431 $589 42 3 +36.2%
Nacogdoches $603 $409 $528 42 3 +35.2%
Navarro $742 $472 $642 52 4 +52.7%
Newton $610 $409 $514 50 4 +40.2%
Nolan $811 $480 $688 28 2 +43.3%
Nueces $633 $419 $553 64 4 +33.9%
Ochiltree $713 $410 $610 42 3 +41.6%
Oldham $693 $410 $605 54 4 +42.9%
Orange $592 $409 $510 85 6 +40.1%
Palo Pinto $757 $462 $665 42 3 +48.0%
Panola $604 $391 $529 45 3 +41.7%
Parker $726 $462 $629 66 5 +43.8%
Parmer $693 $410 $605 54 4 +42.9%
Pecos $622 $373 $533 42 3 +33.6%
Polk $627 $409 $537 36 3 +40.2%
Potter $693 $410 $605 54 4 +42.9%
Presidio $668 $423 $572 30 2 +40.5%
Rains $623 $420 $543 61 4 +41.5%
Randall $693 $410 $605 54 4 +42.9%
Reagan $920 $559 $789 42 3 +39.9%
Real $650 $411 $570 42 3 +41.9%
Red River $665 $418 $560 47 3 +36.1%
Reeves $622 $373 $533 42 3 +33.6%
Refugio $636 $419 $555 58 4 +34.8%
Roberts $713 $410 $610 42 3 +41.6%
Robertson $623 $399 $547 45 3 +33.0%
Rockwall $672 $472 $581 120 9 +44.5%
Runnels $787 $480 $688 40 3 +44.3%
Rusk $604 $391 $529 45 3 +41.7%
Sabine $639 $409 $547 30 2 +42.2%
San Augustine $639 $409 $547 30 2 +42.2%
San Jacinto $617 $409 $538 60 5 +38.6%
San Patricio $656 $419 $550 44 3 +31.3%
San Saba $665 $431 $579 55 4 +39.9%
Schleicher $890 $559 $781 45 3 +36.7%
Scurry $787 $480 $688 40 3 +44.3%
Shackelford $811 $480 $688 28 2 +43.3%
Shelby $639 $409 $547 30 2 +35.8%
Sherman $693 $410 $605 54 4 +42.9%
Smith $623 $420 $543 61 4 +41.5%
Somervell $734 $462 $642 51 4 +45.0%
Starr $609 $402 $535 42 3 +42.4%
Stephens $811 $480 $688 28 2 +43.3%
Sterling $890 $559 $781 45 3 +36.7%
Stonewall $787 $480 $688 40 3 +44.3%
Sutton $890 $559 $781 45 3 +36.7%
Swisher $713 $410 $610 42 3 +41.6%
Tarrant $681 $431 $598 128 9 +43.7%
Taylor $811 $480 $688 28 2 +43.3%
Terrell $620 $373 $532 33 2 +33.2%
Terry $694 $431 $589 63 4 +39.6%
Throckmorton $811 $480 $688 28 2 +43.3%
Titus $665 $418 $560 47 3 +36.1%
Tom Green $890 $559 $781 45 3 +36.7%
Travis $646 $422 $572 110 10 +30.6%
Trinity $603 $409 $528 42 3 +40.6%
Tyler $585 $409 $509 64 5 +39.5%
Upshur $622 $391 $522 47 3 +45.1%
Upton $622 $373 $533 42 3 +33.0%
Uvalde $670 $411 $574 30 2 +44.3%
Val Verde $650 $411 $570 42 3 +41.9%
Van Zandt $623 $420 $543 61 4 +41.5%
Victoria $705 $450 $618 45 3 +41.8%
Walker $636 $404 $550 81 6 +36.8%
Waller $647 $442 $564 60 5 +37.2%
Ward $622 $373 $533 42 3 +33.6%
Washington $680 $415 $576 29 2 +40.1%
Webb $698 $481 $610 45 3 +41.1%
Wharton $655 $442 $572 48 4 +37.3%
Wheeler $693 $410 $605 54 4 +42.9%
Wichita $774 $462 $657 19 1 +32.3%
Wilbarger $774 $462 $657 19 1 +32.3%
Willacy $638 $392 $560 54 4 +40.9%
Williamson $646 $422 $572 110 10 +30.5%
Wilson $627 $411 $535 63 4 +42.9%
Winkler $622 $373 $533 42 3 +33.6%
Wise $726 $462 $629 66 5 +43.6%
Wood $623 $420 $543 61 4 +41.5%
Yoakum $689 $431 $589 42 3 +36.2%
Young $691 $433 $592 33 2 +34.7%
Zapata $698 $481 $610 45 3 +41.1%
Zavala $670 $411 $574 30 2 +44.3%

Health Insurance Guides

Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum, which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount

ACA Health Insurance in Texas

The Affordable Care Act marketplace in Texas offers 834 health insurance plans from 18 issuers across 254 counties. Premiums vary significantly by geography: the most expensive county (Crockett) averages $953/mo for a Silver plan, while the most affordable (Brooks) averages $584/mo.

Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $4,481, though lower-deductible options are available at higher monthly premiums.

Frequently Asked Questions

How much does health insurance cost in Texas? ▼
The average ACA marketplace premium in Texas is $575/mo for a 27-year-old, $701/mo for a 40-year-old, and $1,488/mo for a 60-year-old. Premiums range from $263 to $1,155/mo across 254 counties and 18 issuers.
What is the cheapest health insurance plan in Texas? ▼
The most affordable county for ACA coverage in Texas is Brooks with an average Silver plan premium of $584/mo. Actual costs depend on age, tobacco use, household income, and subsidy eligibility.
How many health insurance companies operate in Texas? ▼
18 insurance issuers offer 834 ACA marketplace plans across 254 counties in Texas. Competition varies by county, with some areas having more plan choices than others.
Where is health insurance most expensive in Texas? ▼
The most expensive county for ACA coverage in Texas is Crockett, where the average Silver plan costs $953/mo. By comparison, the most affordable county is Brooks at $584/mo - a difference driven by issuer competition and local healthcare costs.
What is the average deductible for health plans in Texas? ▼
The average annual deductible across ACA marketplace plans in Texas is $4,481. Bronze plans typically have higher deductibles (lower premiums), while Gold and Platinum plans offer lower deductibles at higher monthly costs. Silver plans with cost-sharing reductions may offer even lower deductibles for qualifying households.

Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.

Read our methodology - how this data is sourced, computed, and verified.

Related

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Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial