Texas Health Insurance Plans

2027 Subsidy-eligible and Off-Exchange plans

971 plans across the state

Obamacare (On-Exchange) plans

Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.

Bronze Simple Diabetes
by Oscar Insurance Company of Texas
Bronze HSA eligible EPO
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$12,000 / $24,000
Bronze Classic 4700
by Oscar Insurance Company of Texas
Bronze HSA eligible EPO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$12,000 / $24,000
Choice Bronze HSA
by Celtic Insurance Company
Bronze EPO
Deductible · ind / family
$7,950 / $15,900
Out-of-pocket max · ind / family
$7,950 / $15,900
Bronze Standard
by Antidote Health of TX
Bronze EPO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$12,000 / $24,000
Silver Core Plan
by Oscar Insurance Company of Texas
Silver EPO
Deductible · ind / family
$9,000 / $18,000
Out-of-pocket max · ind / family
$10,300 / $20,600
Silver Standard
by Antidote Health of TX
Silver EPO
Deductible · ind / family
$6,400 / $12,800
Out-of-pocket max · ind / family
$10,300 / $20,600
Signature Silver
by Celtic Insurance Company
Silver EPO
Deductible · ind / family
$6,400 / $12,800
Out-of-pocket max · ind / family
$10,300 / $20,600
Focused Silver
by Celtic Insurance Company
Silver EPO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$9,600 / $19,200
Complete Gold
by Celtic Insurance Company
Gold EPO
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$9,500 / $19,000
SHP Gold
by Sendero Health Plans, inc.
Gold HMO
Deductible · ind / family
$350 / $700
Out-of-pocket max · ind / family
$10,000 / $20,000
Gold Simple
by Oscar Insurance Company of Texas
Gold EPO
Deductible · ind / family
$2,750 / $5,500
Out-of-pocket max · ind / family
$10,000 / $20,000
Everyday Gold
by Celtic Insurance Company
Gold EPO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Signature Gold
by Celtic Insurance Company
Gold EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,600 / $17,200
Gold Standard
by Antidote Health of TX
Gold EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,600 / $17,200

Off-Exchange plans

Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →