Best Cheap Health Insurance in Texas for 2019 and 2020 Coverage

Cheap health insurance Texas

The best and most affordable health insurance options in Texas can be obtained on the Health Coverage Fast website and the Texas Health Insurance Exchange. In 2017, 10 organizations will be providing plans on the exchanges, although not all organizations will have offerings in every district. The total companies with the most affordable plans are Oscar Health, Celtic Insurance Company (Ambetter) and Molina Healthcare of Texas. Out of the total companies providing services for Texas, Blue Cross Blue Shield (BCBS) is the only one functioning in all the 254 areas in the state. The other insurance companies are only providing plans in some areas of the state. Among the BCBS plans, a regular customer will most likely want to start buying by taking a look at the Blue Advantage Silver HMO 102. The plan is the most affordable Silver option offered by Blue Cross Blue Shield in most areas and as a silver plan is eligible for supplemental subsidies for households with lower earnings.                                                                                                                                                 

Finding The Best and Most Affordable Health Plans in Texas

Identifying the best health plan for yourself and your family will vary on several factors. The main factors to consider are your expected health care expenses in a particular year, your family earnings and the amount of savings you have during an emergency period.

Gold and Platinum Plans for High Expected Costs: Buyers with higher expected healthcare needs, particularly those that have scheduled prescription needs should customize their options towards higher insurance coverage. This can consist of the platinum and gold tiered plans which are packaged by a higher premium but also minimize your upfront costs, just in case you need health care treatment. Platinum and Gold plans will have much lower copays, coinsurance and insurance. This means that each supplemental visit to a company will be less expensive than a cheaper level plan. It is specifically essential to think about the copays and coinsurance for prescription drugs because this is generally the part of plan benefits with the maximum routine use.

For example, if you review the Blue Shield Premier against the Blue Silver Advantage, generic drugs under the Premier appear with no charge whatsoever, while the Advantage will involve enrollees to reach $3,750 deductible before companies pick up any of the tabs. For costlier drugs, copays in the Premier kick is much sooner too.

Silver Plans for the Average or Low-Income Consumer: Silver plans are what most consumers can settle for since they balance the out of pocket costs and your monthly premium payments. One aspect where Silver plans are of great benefit is for families that have lower earnings. Silver plans are the only type of plans that come with a Cost Sharing Reduction variation, which allows lower-income families to gain from copays, deductibles, and coinsurance lower than a standard plan. For families with earnings lower than 250% of the Federal Poverty Level, a Silver plan is nearly always the best option since they will have a lower premium than gold and platinum plans and have their cost-sharing modified to suit these costly options.

Bronze and Catastrophic Plans for the Young and Healthy: According to the lowest priced end of the premium, spectra are the Bronze and Catastrophic plans. When it comes to premiums that have high out of pocket costs during the time these plans were cheap, the deductibles and out of pocket maximums close to highest are permitted by law. In 2017, this is $7,150 for a person and $14,300 for a family. The lower premiums might be very attractive to consumers but should be noted that these plans will not yield anything until you’ve paid much money first. This could be challenging if you don’t have any disposable savings and happen to be in a situation of ordinary medical care. When this happens, you would properly be paying for the expenses yourself. Where the Bronze and Catastrophic plans actually occur is during an emergency period, where care will cost a lot of money.

Cheapest Silver Plan by County in Texas

For the average consumer looking for a Silver level health plan we’ve created a list that shows the cheapest option by county as well as sample quotes for a consumer age 21, 40 and 60.

CountyPlan NameAge 21Age 40Age 60
AndersonBlue Advantage Silver HMO 102328419890
AndrewsBlue Advantage Silver HMO 102328419890
AngelinaBlue Advantage Silver HMO 102328419890
AransasCHP TX Silver HD225288611
ArcherBlue Advantage Silver HMO 1024245421151
ArmstrongSilver Coinsurance331423897
AtascosaBlue Advantage Silver HMO 102349446946
AustinBlue Advantage Silver HMO 102337431914
BaileyBlue Advantage Silver HMO 102328419890
BanderaAmbetter Balanced Care 4 (2017)214274581
BastropSendero Health Plans IdealCare Complete227290617
BaylorBlue Advantage Silver HMO 102328419890
BeeCHP TX Silver HD246315668
BellAmbetter Balanced Care 4 (2017)223285606
BexarAmbetter Balanced Care 4 (2017)214274581
BlancoAmbetter Balanced Care 4 (2017)156199423
BordenBlue Advantage Silver HMO 102328419890
BosqueBlue Advantage Silver HMO 102328419890
BowieCHP TX Silver HD238304646
BrazoriaCommunity Health Choice HMO Silver 004243311659
BrazosBlue Advantage Silver HMO 102342437928
BrewsterBlue Advantage Silver HMO 102328419890
BriscoeBlue Advantage Silver HMO 102328419890
BrooksAmbetter Balanced Care 4 (2017)156199423
BrownBlue Advantage Silver HMO 102328419890
BurlesonBlue Advantage Silver HMO 102342437928
BurnetAmbetter Balanced Care 4 (2017)156199423
CaldwellSendero Health Plans IdealCare Complete227290617
CalhounCHP TX Silver HD249319676
CallahanBlue Advantage Silver HMO 102345441936
CameronAmbetter Balanced Care 4 (2017)183234497
CampBlue Advantage Silver HMO 102328419890
CarsonSilver Coinsurance331423897
CassCHP TX Silver HD246315668
CastroBlue Advantage Silver HMO 102328419890
ChambersCommunity Health Choice HMO Silver 004243311659
CherokeeCHP TX Silver HD246315668
ChildressBlue Advantage Silver HMO 102328419890
ClayBlue Advantage Silver HMO 1024245421151
CochranBlue Advantage Silver HMO 102328419890
CokeBlue Advantage Silver HMO 102328419890
ColemanBlue Advantage Silver HMO 102328419890
CollinMolina Marketplace Choice Silver Plan217277589
CollingsworthBlue Advantage Silver HMO 102328419890
ColoradoBlue Advantage Silver HMO 102328419890
ComalAmbetter Balanced Care 4 (2017)214274581
ComancheBlue Advantage Silver HMO 102328419890
ConchoAmbetter Balanced Care 4 (2017)156199423
CookeSilver 70226288612
CoryellBlue Advantage Silver HMO 102324414879
CottleBlue Advantage Silver HMO 102328419890
CraneBlue Advantage Silver HMO 102328419890
CrockettBlue Advantage Silver HMO 102328419890
CrosbyBlue Advantage Silver HMO 102336430913
CulbersonBlue Advantage Silver HMO 102328419890
DallamBlue Advantage Silver HMO 102328419890
DallasMolina Marketplace Choice Silver Plan217277589
DawsonBlue Advantage Silver HMO 102328419890
De WittBlue Advantage Silver HMO 102328419890
Deaf SmithSilver 70226288612
DeltaBlue Advantage Silver HMO 102351449953
DentonAmbetter Balanced Care 4 (2017)252322684
DickensBlue Advantage Silver HMO 102328419890
DimmitBlue Advantage Silver HMO 102328419890
DonleyBlue Advantage Silver HMO 102328419890
DuvalBlue Advantage Silver HMO 102328419890
EastlandBlue Advantage Silver HMO 102328419890
EctorSilver Coinsurance332425902
EdwardsBlue Advantage Silver HMO 102328419890
El PasoAmbetter Balanced Care 4 (2017)201257545
EllisBlue Advantage Silver HMO 102351449953
ErathBlue Advantage Silver HMO 102328419890
FallsBlue Advantage Silver HMO 102328419890
FanninSilver 70226288612
FayetteAmbetter Balanced Care 4 (2017)156199423
FisherBlue Advantage Silver HMO 102328419890
FloydBlue Advantage Silver HMO 102328419890
FoardBlue Advantage Silver HMO 102328419890
Fort BendCommunity Health Choice HMO Silver 004243311659
FranklinBlue Advantage Silver HMO 102328419890
FreestoneBlue Advantage Silver HMO 102328419890
FrioBlue Advantage Silver HMO 102328419890
GainesBlue Advantage Silver HMO 102328419890
GalvestonCommunity Health Choice HMO Silver 004243311659
GarzaBlue Advantage Silver HMO 102328419890
GillespieAmbetter Balanced Care 4 (2017)156199423
GlasscockBlue Advantage Silver HMO 102328419890
GoliadCHP TX Silver HD249319676
GonzalesBlue Advantage Silver HMO 102328419890
GraySilver 70226288612
GraysonSilver 70279357758
GreggBlue Advantage Silver HMO 102346442938
GrimesBlue Advantage Silver HMO 102328419890
GuadalupeBlue Advantage Silver HMO 102349446946
HaleBlue Advantage Silver HMO 102328419890
HallBlue Advantage Silver HMO 102328419890
HamiltonBlue Advantage Silver HMO 102328419890
HansfordBlue Advantage Silver HMO 102328419890
HardemanBlue Advantage Silver HMO 102328419890
HardinCHP TX Silver HD267342726
HarrisMolina Marketplace Choice Silver Plan221283600
HarrisonBlue Advantage Silver HMO 102328419890
HartleyBlue Advantage Silver HMO 102328419890
HaskellBlue Advantage Silver HMO 102328419890
HaysSendero Health Plans IdealCare Complete227290617
HemphillBlue Advantage Silver HMO 102328419890
HendersonBlue Advantage Silver HMO 102328419890
HidalgoAmbetter Balanced Care 4 (2017)166212450
HillBlue Advantage Silver HMO 102328419890
HockleyBlue Advantage Silver HMO 102328419890
HoodBlue Advantage Silver HMO 102328419890
HopkinsBlue Advantage Silver HMO 102328419890
HoustonBlue Advantage Silver HMO 102328419890
HowardBlue Advantage Silver HMO 102328419890
HudspethBlue Advantage Silver HMO 102328419890
HuntBlue Advantage Silver HMO 102351449953
HutchinsonBlue Advantage Silver HMO 102328419890
IrionBlue Advantage Silver HMO 1024025141092
JackBlue Advantage Silver HMO 102328419890
JacksonBlue Advantage Silver HMO 102328419890
JasperCHP TX Silver HD246315668
Jeff DavisBlue Advantage Silver HMO 102328419890
JeffersonCommunity Health Choice HMO Silver 004243311659
Jim HoggBlue Advantage Silver HMO 102328419890
Jim WellsCHP TX Silver HD246315668
JohnsonBlue Advantage Silver HMO 102351449953
JonesBlue Advantage Silver HMO 102345441936
KarnesCHP TX Silver HD246315668
KaufmanBlue Advantage Silver HMO 102351449953
KendallAmbetter Balanced Care 4 (2017)214274581
KenedyCHP TX Silver HD246315668
KentBlue Advantage Silver HMO 102328419890
KerrAmbetter Balanced Care 4 (2017)156199423
KimbleBlue Advantage Silver HMO 102328419890
KingBlue Advantage Silver HMO 102328419890
KinneyBlue Advantage Silver HMO 102328419890
KlebergCHP TX Silver HD246315668
KnoxBlue Advantage Silver HMO 102328419890
La SalleBlue Advantage Silver HMO 102328419890
LamarBlue Advantage Silver HMO 102328419890
LambBlue Advantage Silver HMO 102328419890
LampasasBlue Advantage Silver HMO 102324414879
LavacaBlue Advantage Silver HMO 102328419890
LeeAmbetter Balanced Care 4 (2017)156199423
LeonBlue Advantage Silver HMO 102328419890
LibertyCommunity Health Choice HMO Silver 004243311659
LimestoneBlue Advantage Silver HMO 102328419890
LipscombBlue Advantage Silver HMO 102328419890
Live OakCHP TX Silver HD246315668
LlanoAmbetter Balanced Care 4 (2017)156199423
LovingBlue Advantage Silver HMO 102328419890
LubbockBlue Advantage Silver HMO 102336430913
LynnBlue Advantage Silver HMO 102328419890
MadisonBlue Advantage Silver HMO 102328419890
MarionBlue Advantage Silver HMO 102328419890
MartinBlue Advantage Silver HMO 102328419890
MasonAmbetter Balanced Care 4 (2017)156199423
MatagordaBlue Advantage Silver HMO 102328419890
MaverickBlue Advantage Silver HMO 102328419890
MccullochAmbetter Balanced Care 4 (2017)156199423
MclennanAmbetter Balanced Care 4 (2017)179229487
McmullenBlue Advantage Silver HMO 102328419890
MedinaBlue Advantage Silver HMO 102349446946
MenardAmbetter Balanced Care 4 (2017)156199423
MidlandBlue Advantage Silver HMO 102319408867
MilamBlue Advantage Silver HMO 102328419890
MillsBlue Advantage Silver HMO 102328419890
MitchellBlue Advantage Silver HMO 102328419890
MontagueBlue Advantage Silver HMO 102328419890
MontgomeryCommunity Health Choice HMO Silver 004243311659
MooreSilver 70226288612
MorrisBlue Advantage Silver HMO 102328419890
MotleyBlue Advantage Silver HMO 102328419890
NacogdochesBlue Advantage Silver HMO 102328419890
NavarroBlue Advantage Silver HMO 102328419890
NewtonCHP TX Silver HD246315668
NolanBlue Advantage Silver HMO 102328419890
NuecesCHP TX Silver HD225288611
OchiltreeBlue Advantage Silver HMO 102328419890
OldhamBlue Advantage Silver HMO 102328419890
OrangeCommunity Health Choice HMO Silver 004243311659
Palo PintoBlue Advantage Silver HMO 102328419890
PanolaBlue Advantage Silver HMO 102328419890
ParkerBlue Advantage Silver HMO 102351449953
ParmerBlue Advantage Silver HMO 102328419890
PecosBlue Advantage Silver HMO 102328419890
PolkBlue Advantage Silver HMO 102328419890
PotterSilver 70242309657
PresidioBlue Advantage Silver HMO 102328419890
RainsBlue Advantage Silver HMO 102328419890
RandallSilver 70242309657
ReaganBlue Advantage Silver HMO 102328419890
RealBlue Advantage Silver HMO 102328419890
Red RiverCHP TX Silver HD246315668
ReevesBlue Advantage Silver HMO 102328419890
RefugioCHP TX Silver HD246315668
RobertsBlue Advantage Silver HMO 102328419890
RobertsonBlue Advantage Silver HMO 102342437928
RockwallAmbetter Balanced Care 4 (2017)252322684
RunnelsBlue Advantage Silver HMO 102328419890
RuskBlue Advantage Silver HMO 102346442938
SabineBlue Advantage Silver HMO 102328419890
San AugustineBlue Advantage Silver HMO 102328419890
San JacintoBlue Advantage Silver HMO 102337431914
San PatricioCHP TX Silver HD225288611
San SabaBlue Advantage Silver HMO 102328419890
SchleicherBlue Advantage Silver HMO 102328419890
ScurryBlue Advantage Silver HMO 102328419890
ShackelfordBlue Advantage Silver HMO 102328419890
ShelbyBlue Advantage Silver HMO 102328419890
ShermanBlue Advantage Silver HMO 102328419890
SmithCHP TX Silver HD284362770
SomervellBlue Advantage Silver HMO 102328419890
StarrMolina Marketplace Choice Silver Plan198253537
StephensBlue Advantage Silver HMO 102328419890
SterlingBlue Advantage Silver HMO 102328419890
StonewallBlue Advantage Silver HMO 102328419890
SuttonBlue Advantage Silver HMO 102328419890
SwisherBlue Advantage Silver HMO 102328419890
TarrantAmbetter Balanced Care 4 (2017)252322684
TaylorBlue Advantage Silver HMO 102345441936
TerrellBlue Advantage Silver HMO 102328419890
TerryBlue Advantage Silver HMO 102328419890
ThrockmortonBlue Advantage Silver HMO 102328419890
TitusBlue Advantage Silver HMO 102328419890
Tom GreenBlue Advantage Silver HMO 1024025141092
TravisSendero Health Plans IdealCare Complete227290617
TrinityBlue Advantage Silver HMO 102328419890
TylerCHP TX Silver HD246315668
UpshurBlue Advantage Silver HMO 102346442938
UptonBlue Advantage Silver HMO 102328419890
UvaldeBlue Advantage Silver HMO 102328419890
Val VerdeBlue Advantage Silver HMO 102328419890
Van ZandtBlue Advantage Silver HMO 102328419890
VictoriaCHP TX Silver HD249319676
WalkerBlue Advantage Silver HMO 102328419890
WallerCommunity Health Choice HMO Silver 004243311659
WardBlue Advantage Silver HMO 102328419890
WashingtonBlue Advantage Silver HMO 102328419890
WebbMolina Marketplace Choice Silver Plan234299635
WhartonBlue Advantage Silver HMO 102328419890
WheelerBlue Advantage Silver HMO 102328419890
WichitaBlue Advantage Silver HMO 1024245421151
WilbargerBlue Advantage Silver HMO 102328419890
WillacyAmbetter Balanced Care 4 (2017)156199423
WilliamsonSendero Health Plans IdealCare Complete227290617
WilsonBlue Advantage Silver HMO 102349446946
WinklerBlue Advantage Silver HMO 102328419890
WiseBlue Advantage Silver HMO 102351449953
WoodCHP TX Silver HD246315668
YoakumBlue Advantage Silver HMO 102328419890
YoungBlue Advantage Silver HMO 102328419890
ZapataBlue Advantage Silver HMO 102328419890
ZavalaBlue Advantage Silver HMO 102328419890

Finding The Best and Most Affordable Off-Exchange Health Plans in Texas

If you are looking for off-exchange individual health insurance plans, then Health Coverage Fast has plans that start from $89 per month for relatively healthy individuals and they have affordable plans for families too that won’t break the bank.