Texas
Cheapest ACA plans in Harris County, Texas for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Harris County, Texas has 8 on-exchange carriers offering 121 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Community Health Choice Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) at $375 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Harris 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 Harris County |
|---|---|---|
| Expanded Bronze | $375 | 29 |
| Bronze | $385 | 3 |
| Catastrophic | $449 | 2 |
| Gold | $502 | 41 |
| Silver | $586 | 46 |
The actual cheapest Bronze plan in Harris County
Community Health Choice Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
$375/moFor a family of four (two 40-year-olds and two kids under 14): Community Health Choice Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) at $1,197/month before subsidies.
Carriers selling 2026 plans in Harris County
8 carriers sell 2026 plans on Healthcare.gov. 152 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Oscar | 23 |
| Blue Cross and Blue Shield of Texas | 22 |
| Wellpoint | 21 |
| UnitedHealthcare | 15 |
| Community Health Choice | 15 |
| Ambetter | 12 |
| Imperial Insurance Companies, Inc. | 7 |
| Superior Health Plan | 6 |
Frequently asked questions
What is the cheapest ACA plan in Harris County, Texas for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Community Health Choice Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) at $375 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.