Find the Right Health Coverage in Texas
Compare ACA Marketplace plans, Medicare Advantage options, and supplemental coverage across Texas — by county, by carrier, and by budget. Answer a few quick questions and a licensed Texas agent will follow up with pricing for your area. Free to use, no obligation to enroll.
Reviewed by Cameron Erwin, Licensed Texas Insurance Agent (TDI License #3498689)
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Answer a few quick questions and a licensed Texas agent will follow up with plan options and pricing for your area. No obligation to enroll.
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Three ways to start
ACA Marketplace Plans
Understand what a Bronze, Silver, or Gold plan actually costs in Texas, and whether you qualify for a premium tax credit that lowers your monthly bill.
Read the cost guide →Medicare Advantage
Texas has one of the most competitive Medicare Advantage markets in the country, with dozens of carriers and plan types depending on where you live.
Explore Medicare options →Find Your County
Coverage availability, carriers, and pricing vary widely across Texas's 254 counties. Start with your local market.
Browse counties →Small Business by Industry
Restaurant, contractor, dental practice, law firm — coverage decisions look different by industry. Find guidance built around your business type.
Browse by industry →Why Texas coverage shopping is different
Texas is one of ten states that has not expanded Medicaid under the Affordable Care Act, which means eligibility for free or low-cost coverage works differently here than in most of the country. It also means the ACA Marketplace, employer coverage, and Medicare do most of the heavy lifting for Texans who need health insurance. This site is built specifically around that reality — not a generic national overview.
Frequently Asked Questions
Is this site free to use?
Yes. Comparing plans and requesting a quote through Texas Coverage Finder is completely free, with no obligation to enroll. Licensed agents referenced on this site are paid by insurance carriers, not by you.
Do I have to use an agent to get health insurance in Texas?
No. You can enroll directly through HealthCare.gov without an agent. Licensed Texas agents are free to use, though, and can help you compare plans, apply for subsidies, and handle the paperwork at no additional cost to you.
Does Texas have its own health insurance exchange?
No. Texas has not built a state-based exchange, so residents shop for ACA Marketplace coverage through the federal HealthCare.gov platform, either directly or with help from a licensed agent.
What's the difference between Medicaid, Medicare, and the ACA Marketplace in Texas?
Medicaid is state- and income-based coverage for very low-income Texans, mainly children, pregnant women, and people with disabilities, since Texas has not expanded it to cover more adults. Medicare is federal coverage for people 65 and older or with certain disabilities, regardless of income. The ACA Marketplace is where everyone else — working-age Texans without employer coverage — shops for private individual health plans, often with income-based subsidies.
What's the difference between an HMO and a PPO?
An HMO (Health Maintenance Organization) requires you to use a specific network of doctors and choose a primary care physician who provides referrals to specialists, generally at a lower premium. A PPO (Preferred Provider Organization) costs more but lets you see any doctor, including out-of-network providers, without a referral.
Are pre-existing conditions covered under ACA Marketplace plans in Texas?
Yes. Under the ACA, Marketplace insurers must accept any applicant regardless of pre-existing health conditions and cannot charge you more based on your health history. This applies to every ACA Marketplace plan sold in Texas.
Is there a penalty for not having health insurance in Texas?
No. The federal individual mandate penalty was reduced to $0 starting in 2019, and Texas does not have a state-level penalty either. That said, going without coverage means you're responsible for 100% of your medical costs if something happens.
Has Texas expanded Medicaid under the ACA?
No. Texas is one of ten states that has not expanded Medicaid, which affects who qualifies for free or low-cost coverage and makes the ACA Marketplace the main coverage path for many Texans who don't have coverage through an employer.
How much does a Marketplace plan cost in Texas?
It depends on your age, ZIP code, household income, and metal tier. Many Texans qualify for a premium tax credit that lowers the monthly cost significantly. See our cost & subsidy guide for a full breakdown.
When can I enroll in a Texas health plan?
Most people enroll during the annual Open Enrollment Period each fall and winter. Outside that window, you may still qualify for a Special Enrollment Period if you've had a qualifying life event like losing coverage, moving, getting married, or having a baby. See our life events guide for details.