Ashford Insurance

About Texas Health Insurance

About Texas Health Insurance

Texas Health Insurance

Texas residents are not required to have health insurance under state law. However, the Affordable Care Act (ACA) does require most Americans to have health insurance or pay a penalty.

There are a variety of ways to get health insurance in Texas. You can get health insurance through your employer, the health marketplace, or a private health insurance company.

Employer-sponsored health insurance

If you have a job, your employer may offer health insurance as part of your benefits package. Employer-sponsored health insurance is typically the most affordable option, and it can offer a wide range of coverage.

Health marketplace

The health marketplace is a government-run website where you can compare and purchase health insurance plans. The health marketplace offers plans from private health insurance companies, and it also offers subsidies to help you afford coverage.

Private health insurance

If you do not qualify for employer-sponsored health insurance or subsidies through the health marketplace, you can purchase health insurance directly from a private health insurance company.

What is covered by Texas health insurance?

The ACA requires all health insurance plans to cover a set of essential health benefits, including:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Preventive and wellness services

Health insurance plans can also cover other services, such as dental, vision, and hearing care.

How much does Texas health insurance cost?

The cost of health insurance in Texas varies depending on the type of plan you choose, your age, your health status, and your income. The average monthly premium for an individual health insurance plan in Texas is $349.

How can I get help paying for health insurance in Texas?

There are a number of programs that can help you pay for health insurance in Texas. If you are eligible for Medicaid or CHIP, you may be able to get health insurance for free or at a low cost. You may also be eligible for subsidies through the health marketplace to help you afford coverage.

To learn more about how to get help paying for health insurance in Texas, you can visit the following websites:

  • Texas Health and Human Services: https://www.hhs.texas.gov/
  • Healthcare.gov: https://www.healthcare.gov/


Health insurance is an important part of your financial security. If you do not have health insurance, you may be at risk of financial hardship if you need to see a doctor or have a medical procedure. There are a number of ways to get health insurance in Texas, so you should be able to find a plan that fits your needs and budget.

Here are some additional tips for getting health insurance in Texas:

  • Start your research early. The sooner you start looking for health insurance, the more time you will have to compare plans and find the best one for you.
  • Get help from a qualified professional. A health insurance agent can help you compare plans, understand your coverage, and choose the right plan for your needs.
  • Be sure to ask about any discounts or savings that may be available to you. There are a number of programs that can help you pay for health insurance, such as Medicaid, CHIP, and subsidies through the health marketplace.

If you have any questions about health insurance in Texas, you can contact the Texas Department of Insurance at (800) 252-3439 or call Ashford Insurance.