Best health insurance companies in Texas 2022

health insurance companies in Texas

There are many health insurance companies in Texas that are devoted to making sure Texans enjoy the ideal health they deserve.

Among the cardinal things to look out for is ones’ health. There is a saying that good health is better than wealth, which is to clarify how important having ideal health is.

Most people know of this fact but the cost of health maintenance most times could be out of range and beyond the reach of most thus, one of the essences of the health insurance companies in Texas.

On average, about $6,000 is spent individually in Texas which confirms the high cost of health maintenance.

Health insurance is a contract that requires an insurer to pay some or all of a person’s healthcare costs in exchange for a premium.

It is a type of insurance that helps cover the cost of an insured person’s medical and surgical expenses, prescription drug, and sometimes dental expenses incurred by the insured.

Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

Understanding how these health insurance companies in Texas operate, is a right step towards the right direction.

Some plans require policyholders to receive care from a network of designated healthcare providers for the highest level of coverage.

If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network which is one of the reasons you have to know about a particular health firm before working with them.

Let’s learn about the top health insurance firms in Texas everyone ought to know. Meanwhile, it is essential to note that this list is in no order of ranking.


Top health insurance companies in Texas

Below is a comprehensive list of the health insurance companies in Texas that are popularly known for their outstanding healthcare services;

Aetna Health and Life Insurance Company

Address: 151 Farmington Avenue Hartford, CT 06156 USA

Telephone: 1-800-US-AETNA (1-800-872-3862)

Website: Visit here

Founded: May 28, 1853

Founder: Eliphalet Adams Bulkeley

Headquarters: Hartford, Connecticut, U.S.

Area served: United States and expatriates

All Savers Insurance Company

Phone:  1-866-405-7174


Address: United HealthCare Services, Inc. 3100 AMS Boulevard P.O. Box 19032 Green Bay, WI 54307-9032

Ambetter from Superior Health Plan

Address: 3900 N 10th St, McAllen, TX 78501, USA

Phone: +1 877-687-1196


Amerigroup Insurance Company

INCORPORATED: 06/19/1995

ADDRESS: 4425 Corporation Lane Virginia Beach, VA 23462 United States

Websiteclick here

Ameritas Life Insurance Corporation

Address: 5250 Prue Rd Ste 445 San Antonio, TX, 78240-1757 United States

P.O. Box: 81889

Phone: 800-311-7871

Fax: 402-325-4190

BCBSTX, A Division of Health Care Service Corporation

Address: Blue Cross and Blue Shield of Texas P.O. Box 660044 Dallas, TX 75266-0044

Phone: 800-259-3668


Headquarters location: Richardson, Texas, United States

Founded: 1929

Ceo: James G. Springfield

Revenue: $1.10 billion

Bright HealthCare

English: 844-926-4524

Español:  844-926-4523

Celtic Insurance Company

Phone: 1-800-477-7870

Websitesee here

CHRISTUS Health Plan

Address: 5825 Old Bullard Rd #500, Tyler, TX 75703, United States

Phone: +1 903-607-7526

Websitesee also

Cigna Health and Life Insurance Company

Address: 2208 Hwy 121 #210, Bedford, TX 76021, United States

Phone: +1 800-826-6762

Community Health Choice

Address2636 S Loop W #125, Houston, TX 77054, United States

Phone: +1 713-295-2222


FirstCare Health Plans

Address: 1901 W Loop 289 UNIT 9, Lubbock, TX 79407, United States

Phone: +1 806-784-4300

Freedom Life Insurance Company of America

Address: 300 Burnett St, Fort Worth, TX 76102, United States

Phone: +1 817-878-3303

Hartford Life and Accident Insurance Company

ADDRESS: 1 Hartford Plaza Hartford, CT 06155 United States

PHONE: 1-860-547-5000

INCORPORATED: 09/09/1993

HCSC Insurance Services Company

Address: 1001 E Lookout Dr, Richardson, TX 75082, United States

Phone: +1 469-804-5752

Life Insurance Company of North America

Address: 2500 Legacy Dr # 130, Frisco, TX 75034, United States

Phone: +1 888-362-1214

Websiteclick here

Lincoln Life Assurance Company of Boston

Address: 1227 W Magnolia Ave #202, Fort Worth, TX 76104, United States

Phone: +1 817-926-9757

Metropolitan Life Insurance Company

Address: 2615 Calder Ave STE 420, Beaumont, TX 77702, United States

Phone: +1 409-832-6344

Moda Health, Inc.

Address: 601 SW 2nd Ave, Portland, OR 97204, United States

Phone: +1 877-605-3229

Websiteclick here

Molina Healthcare

Address: 5605 N MacArthur Blvd Ste 400, Irving, TX 75038, United States

Phone: +1 877-665-4622

Websitevisit here

Oscar Insurance Company

Address: 5921 S Gessner Rd, Houston, TX 77036, United States

Phone: +1 713-271-8889

Principal Life Insurance Company

Address: 5080 Spectrum Dr #1200e, Addison, TX 75001, United States

Phone: +1 972-980-9990

Sun Life Assurance Company

Address: 500 Linden Oaks # 310, Rochester, NY 14625, United States

Phone: +1 585-383-8330

Superior Healthplan Network

Address: 5900 E. Ben White Blvd. Austin, TX 78741

Phone: 1-877-687-1196

Wellcare Prescription Insurance, Inc.

Address: 742 Northwest Loop 410 #117, San Antonio, TX 78216, United States

Phone: +1 210-796-5519

Health insurance in Texas

Texas state insurance industry is regulated by Texas Department of Insurance which oversees the administration of the Texas workers’ compensation system, performs the duties of the State Fire Marshal’s Office, alongside other important wonderful actions.

The Texas Department of Insurance can help with issues involving insurance companies and health plans and people we regulate. We don’t regulate most health plans.

The insurance commissioner is the agency’s chief executive and administrative officer. The commissioner administers and enforces state insurance laws and applicable laws that grant jurisdiction to the commissioner.

The Division of Workers’ Compensation, under the direction of the division’s appointed commissioner, oversees the administration and operation of the Texas workers’ compensation system.

Some small employers in Texas offer health insurance to their employees. Texas insurance law defines a small employer as a business with two to 50 persons. If you provide health insurance, you must offer it to all your employees who work 30 hours or more each week.

You must also offer coverage for their dependents. Business owners can enroll in their small-employer health plan if at least one of their employees also enrolls.

Top Factors that determine the cost of health insurance in Texas

  • Policy
  • Household income
  • Family size
  • Age
  • Insurance plan(Bronze, Silver, and Gold)

Steps to get affordable health insurance in Texas

If you are interested to know how to get the right health insurance package for you, these steps are very essential for you to follow;

Check for plans that is suitable for you

Understanding a plan you want to go for is a clever approach to follow as mentioned earlier because every Health Insurance plan in Texas has its unique benefits although they all aim at providing quality health care service.  It is equally essential you consider the plan that covers your health needs.

Stay Connected

Provider networks are associations of physicians, hospitals and other health providers who have agreed to collaborate on the health plan.

Check for the companies review

There are different health insurance companies in Texas which have different modes of operations. Checking for what people say and feel about a particular company will assist you in choice making.

Save on the coverage of your prescription

Take a quick look at the package to see how you get coupons for the use of some drug or mail-order pharmacy facilities.

Best health insurance in Texas

Below is the list of top 10 health insurance companies in Texas everyone ought to know;

  • All Savers Insurance Company
  • Amerigroup Insurance Company
  • BCBSTX, A Division of Health Care Service Corporation
  • CHRISTUS Health Plan
  • Cigna Health and Life Insurance Company
  • Freedom Life Insurance Company of America
  • HCSC Insurance Services Company
  • Moda Health, Inc.
  • Oscar Insurance Company
  • Principal Life Insurance Company

Frequently asked questions

Does Texas require you to have health insurance? Texas residents are not required to have health insurance under state law. However, the Affordable Care Act does mandate a health insurance requirement on a federal level that includes Texans.

Texas utilizes the federal exchange for health plans and has one of the highest enrollment rates in the country.

What are the approaches to get health insurance in Texas? Health insurance Plans are available to residents through the federal exchange and private insurance companies.

What is the cheapest health insurance in Texas? The cost of health insurance in Texas is determined by different factors as mention above. On an average, the cheapest health insurance in Texas starts for as low as $153 per person for major medical plans.

Metal Level Lowest Monthly Premium
Bronze $153
Silver $185
Gold $221
This is the lowest-price Bronze plan available from eHealth in Texas, but actual prices available depend on zip code, age, gender, and other factors.
How much is health insurance in different US states per month? The average Monthly Health Insurance Premiums for Benchmark Plans by State Without a Subsidy between 2020-2021 are listed in the table below;
Location 2020 2021 Percent Change
United States $462 $452  -2%
Alabama $553 $590 +7%
Alaska $724 $675  -7%
Arizona $442 $436  -1%
Arkansas $365 $394  +9%
California $430 $426  -1%
Colorado $358 $340  -5%
Connecticut $570 $580  +2%
Delaware $548 $540  -1%
District of Columbia $414 $415  0%
Florida $468 $457  -2%
Georgia $463 $456 -2%
Hawaii $474 $478  +1%
Idaho $520 $500 -4%
Illinois $451 $423 -6%
Indiana $387 $421  +9%
Iowa $742 $523 -30%
Kansas $502 $491  -2%
Kentucky $471 $476  +1%
Louisiana $500 $545  +9%
Maine $513 $440  -14%
Maryland $397 $344 -13%
Massachusetts $343 $363  +6%
Michigan $360 $347  -4%
Minnesota $309 $305  -1%
Mississippi $487 $459 -6%
Missouri $483 $479  -1%
Montana $483 $471 -2%
Nebraska $711 $699 -2%
Nevada $374 $393  +5%
New Hampshire $405 $357 -12 %
New Jersey $392 $405  +3%
New Mexico $345 $339  -2.%
New York $610 $599  -2%
North Carolina $558 $516  -8%
North Dakota $383 $493 +29%
Ohio $375 $375  0%
Oklahoma $601 $554  -8%
Oregon $446 $437  -2%
Pennsylvania $459 $455 -1%
Rhode Island $332 $349  +5%
South Carolina $509 $476  -6%
South Dakota $593 $618  +4%
Tennessee $511 $466  -9%
Texas $432 $436  +1%
Utah $486 $472  -3%
Vermont $662 $669  +1%
Virginia $521 $479  -8%
Washington $391 $388  -1%
West Virginia $628 $654  +4
Wisconsin $491 $457  -7%
Wyoming $881 $791 -10%

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Best health insurance companies in Texas 2022

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