Health insurance in Houston, Texas.
Health insurance help for Houston and Harris County from a licensed Texas agency. We compare HealthCare.gov plans, apply every tax credit and cost-sharing reduction you qualify for, and check your doctors before you choose.
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 Harris 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
119 HealthCare.gov plans
32 bronze, 46 silver, 41 gold.
- Insurers
7 insurance companies
Which ones we can enroll you with depends on our appointments; we will tell you up front.
- Plan types
77 HMO, 18 POS, 24 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 Harris County |
|---|---|
| Oscar Insurance Company | 23 |
| Blue Cross and Blue Shield of Texas | 21 |
| WellPoint | 20 |
| Ambetter from Superior HealthPlan | 18 |
| Community Health Choice | 15 |
| UnitedHealthcare | 15 |
| Imperial Insurance Companies, Inc. | 7 |
| Lowest priced plan | Before credit | After est. credit | Insurer |
|---|---|---|---|
| Bronze (HMO) | $375/mo | $142/mo | Community Health Choice |
| Silver (HMO) | $586/mo | $353/mo | Community Health Choice |
| Gold (HMO) | $502/mo | $269/mo | Community Health Choice |
Local help, from a licensed Texas agency.
Harris County's lowest priced silver plan for a 40-year-old in 2026 came from Community Health Choice, a nonprofit HMO affiliated with Harris Health, the county's public hospital system. It was the lowest silver price we found in any major Texas county.
The Alabama-Coushatta Tribe of Texas is based near Livingston, north of Houston. Enrolled members of any federally recognized tribe living in the Houston area can use our EnrollNative service for the tribal member protections.
We serve Houston, Pasadena, Baytown, Spring, Humble, Cypress, Bellaire and the rest of Harris 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 →
For tribal members in Houston.
Enrolled tribal members in the Houston area can enroll any month and may qualify for zero cost-sharing. See EnrollNative.
Questions from Houston.
How many health insurance companies sell Marketplace plans in Harris County?
7 insurers offered 119 HealthCare.gov plans in Harris County for 2026: Oscar Insurance Company, Blue Cross and Blue Shield of Texas, WellPoint, Ambetter from Superior HealthPlan, Community Health Choice, UnitedHealthcare, Imperial Insurance Companies, Inc..
What is the cheapest health insurance in Houston?
For a 40-year-old non-smoker in 2026, the lowest priced silver plan in Harris County was $586 a month before any tax credit, from Community Health Choice. At $45,000 of income the estimated premium tax credit brought it to about $353. Your price depends on your age, household and income.
Are there PPO health plans in Houston?
Not on the Marketplace in 2026. Plans in Harris County were HMO, POS, EPO, so check each plan's network for your doctors.
When can I sign up for health insurance in Houston?
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 Houston?
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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