Health insurance in Austin, Texas.
Health insurance help for Austin and Travis County from a licensed agency based just up the road in Round Rock. We compare HealthCare.gov plans, check your doctors and prescriptions, and apply every tax credit you qualify for.
Who do you need coverage for?
- Licensed insurance agencyTexas license 3449979. Verify
- $0 to work with usAgents are paid by the insurer. Your premium is the same.
- Real advisors, not a call centerA licensed advisor from first call to renewal.
- Your information stays privateWe never sell your data.
The Travis County Marketplace, in numbers.
Live from the federal Marketplace API, the data behind HealthCare.gov, for plan year 2026. 2027 plans publish November 1 and this page switches over automatically.
- Plans
109 HealthCare.gov plans
27 bronze, 43 silver, 39 gold.
- Insurers
9 insurance companies
Which ones we can enroll you with depends on our appointments; we will tell you up front.
- Plan types
71 HMO, 9 POS, 29 EPO
No PPO plans. HMO, EPO and POS plans cover out-of-network care only in emergencies or with approval, so the network check matters.
| Insurer | Plans in Travis County |
|---|---|
| Oscar Insurance Company | 23 |
| Blue Cross and Blue Shield of Texas | 21 |
| Ambetter from Superior HealthPlan | 18 |
| UnitedHealthcare | 14 |
| Baylor Scott and White Health Plan | 10 |
| Imperial Insurance Companies, Inc. | 7 |
| Sendero Health Plans, Local Nonprofit | 7 |
| Moda Health Plan, Inc. | 5 |
| Harbor Health | 4 |
| Lowest priced plan | Before credit | After est. credit | Insurer |
|---|---|---|---|
| Bronze (HMO) | $433/mo | $167/mo | Sendero Health Plans, Local Nonprofit |
| Silver (HMO) | $608/mo | $342/mo | Sendero Health Plans, Local Nonprofit |
| Gold (HMO) | $571/mo | $305/mo | Harbor Health |
Local help, from a licensed Texas agency.
Travis County has two locally rooted options that surprise people: Sendero Health Plans, a nonprofit HMO connected to Central Health, the county's hospital district, and Harbor Health, an Austin clinic group that sells its own Marketplace plans. In 2026 Sendero had the lowest priced silver plan in the county for a 40-year-old and the highest CMS quality rating we found in any Texas metro.
Central Health's Medical Access Program (MAP) helps some low-income Travis County residents who do not qualify for other coverage. If your income is under 100% of the poverty level, ask us about it along with Medicaid and CHIP for your children.
We serve Austin, Pflugerville, Manor, Lakeway, Bee Cave, Del Valle and the rest of Travis County.
What to know for 2027.
- Open Enrollment
November 1, 2026 to January 15, 2027
Pick by December 15, 2026 for January 1 coverage.
- Tax credits
Up to $63,840 for one person
Or $132,000 for a family of four. Above that, there is no premium tax credit for 2027.
- Texas Medicaid
Very limited for adults
Texas has not expanded Medicaid. Children qualify far higher, and CHIP covers children up to 201% of the poverty level.
Texas marketplace guide →2027 Open Enrollment →Medicaid limits →
Questions from Austin.
How many health insurance companies sell Marketplace plans in Travis County?
9 insurers offered 109 HealthCare.gov plans in Travis County for 2026: Oscar Insurance Company, Blue Cross and Blue Shield of Texas, Ambetter from Superior HealthPlan, UnitedHealthcare, Baylor Scott and White Health Plan, Imperial Insurance Companies, Inc., Sendero Health Plans, Local Nonprofit, Moda Health Plan, Inc., Harbor Health.
What is the cheapest health insurance in Austin?
For a 40-year-old non-smoker in 2026, the lowest priced silver plan in Travis County was $608 a month before any tax credit, from Sendero Health Plans, Local Nonprofit. At $45,000 of income the estimated premium tax credit brought it to about $342. Your price depends on your age, household and income.
Are there PPO health plans in Austin?
Not on the Marketplace in 2026. Plans in Travis County were HMO, POS, EPO, so check each plan's network for your doctors.
When can I sign up for health insurance in Austin?
Open Enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage on January 1. Outside that window you need a qualifying life event; Medicaid and CHIP accept applications any time, and enrolled tribal members can enroll monthly.
Does it cost anything to use a health insurance agent in Austin?
No. RedHealth Advisors is a licensed agency and is paid by the insurance company. Your Marketplace premium is the same whether you enroll on your own or with us.
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