Texas
Cheapest ACA plans in Denton County, Texas for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Denton County, Texas has 8 on-exchange carriers offering 117 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Imperial Insurance Companies Inc. Preferred Bronze at $450 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Denton County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Denton County |
|---|---|---|
| Catastrophic | $437 | 2 |
| Bronze | $450 | 3 |
| Expanded Bronze | $460 | 23 |
| Gold | $625 | 43 |
| Silver | $688 | 46 |
The actual cheapest Bronze plan in Denton County
Imperial Insurance Companies Inc. Preferred Bronze
$450/moFor a family of four (two 40-year-olds and two kids under 14): Imperial Insurance Companies Inc. Preferred Bronze at $1,440/month before subsidies.
Carriers selling 2026 plans in Denton County
8 carriers sell 2026 plans on Healthcare.gov; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 181 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Oscar | 23 |
| Blue Cross and Blue Shield of Texas | 22 |
| Wellpoint | 21 |
| UnitedHealthcare | 14 |
| Ambetter | 12 |
| Molina | 12 |
| Imperial Insurance Companies, Inc. | 7 |
| Superior Health Plan | 6 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Baylor Scott & White | 4 |
| Cigna | 2 |
Frequently asked questions
What is the cheapest ACA plan in Denton County, Texas for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Imperial Insurance Companies Inc. Preferred Bronze at $450 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Where do Texans buy ACA plans for 2026?
Texas uses the federal Marketplace at HealthCare.gov. Texas does not run a state-based exchange, so all PY2026 enrollment, subsidy eligibility, and plan changes go through HealthCare.gov. Open Enrollment runs November 1, 2025 through January 15, 2026, with December 15 as the deadline for January 1 coverage.
Does Texas offer any state premium help on top of federal APTC?
No. Texas has no state-funded premium subsidy, cost-sharing assistance program, or state reinsurance program. Texans rely on the federal advance premium tax credit through HealthCare.gov; about 92% of PY2026 Texas enrollees qualify for APTC, averaging roughly $667 per month in federal help.
What happens if my income is below the poverty line in Texas?
Texas has not expanded Medicaid, which creates a coverage gap. Non-disabled childless adults under 65 generally cannot qualify for Texas Medicaid at any income level, and federal Marketplace subsidies on HealthCare.gov only begin at 100% FPL. Roughly 570,000+ Texas adults fall into this gap. Check categorical Medicaid pathways (pregnancy, disability, dependent children), CHIP, and community health-center sliding-scale options.
More Texas pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- CMS: Texas Geographic Rating Areas for the 25 MSAs + 1 non-MSA rating-area structure.
- Texas Department of Insurance: 2026 Health Coverage Guide for official Texas consumer guide and carrier participation list.
- CMS 2026 OEP National Snapshot for enrollment scale (TX ~4.17M, 2nd-largest marketplace).
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.