Health insurance in Houston: 2027 Marketplace plans
In Harris County, TX, there are 135 plans from 8 insurers: Oscar Insurance Company, Ambetter from Superior HealthPlan, WellPoint, Blue Cross and Blue Shield of Texas, Community Health Choice, UnitedHealthcare, Imperial Insurance Companies, Inc. and Harbor Health.
Bronze · 37
Silver · 51
Gold · 47
Example: a 40-year-old earning $31,920 a year (200% of the federal poverty level) gets a tax credit of about $489 a month. With it, the cheapest plan at each level costs:
Level
Monthly, with help
Without help
Insurer
Bronze
$0.00
$466.43
Blue Cross and Blue Shield of Texas
Silver
$167.39
$656.39
Ambetter from Superior HealthPlan
Gold
$108.87
$597.87
Blue Cross and Blue Shield of Texas
Worth knowing: in this county, with the tax credit, the cheapest Gold plan costs less than the cheapest Silver plan.
In ZIP code 77030, the one with the most doctors in Houston, 2.5% of residents have no health insurance and 11.8% are Hispanic (Census Bureau, ACS ACS 2024 5-year).
Census data · Houston · ZIP 77030
Official demographics of the coverage area · ACS 2024 5-year
13,380
Total population
2.5%
Uninsured rate
No health coverage (ACS B27010)
$77,336
Median income
11,532
Population under 65
ACA-eligible age range
11.8%
Hispanic population
Source: US Census Bureau · ACS 5-year (Census Reporter)
Frequently asked questions about health insurance in Houston
How many insurers sell Marketplace plans in Houston?
For 2027, 8 insurers offer 135 plans in Harris County: Oscar Insurance Company, Ambetter from Superior HealthPlan, WellPoint, Blue Cross and Blue Shield of Texas, Community Health Choice, UnitedHealthcare, Imperial Insurance Companies, Inc. and Harbor Health.
How much does health insurance cost in Houston?
It depends on age, income and household. As an example, for a 40-year-old earning $31,920 a year (200% of the federal poverty level) the cheapest plan costs $0.00 a month after a tax credit of about $489 a month.
Are there $0 plans in Houston?
Yes, for some households. In the example (a 40-year-old earning $31,920 a year (200% of the federal poverty level)) there are Bronze plans with a $0 monthly premium. A $0 premium usually comes with a higher deductible, so compare before choosing.