Texas Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Texas for 2026, and where to buy them.
The Texas individual market in 2026
Sixteen insurers sold individual and family Marketplace plans in Texas for 2026, after Aetna left the market and Harbor Health joined. Not every insurer sells in every county, and some areas have far fewer choices. For 2027, Cigna and Baylor Scott & White are leaving, and insurers proposed rate increases averaging about 13% before tax credits.
Insurers selling individual plans in Texas
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Blue Cross and Blue Shield of Texas | Yes | One of 16 insurers selling 2026 marketplace plans in Texas; check which plans are offered in your county. |
| Ambetter (Celtic Insurance Company) | Yes | Ambetter plans in Texas are filed under two companies; Celtic proposed the smallest 2027 rate change among Texas insurers (about 1.3%). |
| Ambetter from Superior HealthPlan | Yes | The second Ambetter company on the 2026 Texas marketplace; plan availability varies by county. |
| Oscar | Yes | Sells 2026 marketplace plans in parts of Texas. |
| Molina Healthcare | Yes | Sells 2026 marketplace plans in parts of Texas. |
| UnitedHealthcare | Yes | Sells 2026 marketplace plans in parts of Texas. |
| Cigna | Yes | Sells 2026 plans in Texas but is leaving the Texas marketplace after 2026, so its enrollees must choose a new plan for 2027. |
| Baylor Scott & White Health Plan | Yes | Sells 2026 plans but is leaving the Texas individual marketplace for 2027, affecting roughly 100,000 enrollees. |
| Wellpoint | Yes | Sells 2026 marketplace plans in parts of Texas. |
| CHRISTUS Health Plan | Yes | Regional insurer on the 2026 Texas marketplace; availability depends on your county. |
| Community First Health Plans | Yes | Regional insurer on the 2026 Texas marketplace; availability depends on your county. |
| Community Health Choice | Yes | Regional insurer on the 2026 Texas marketplace; availability depends on your county. |
| Sendero Health Plans | Yes | Regional insurer on the 2026 Texas marketplace; it proposed the largest 2027 rate increase in the state (about 31.1%). |
| Moda Health | Yes | Sells 2026 marketplace plans in parts of Texas. |
| Imperial Insurance Companies | Yes | Sells 2026 marketplace plans in parts of Texas. |
| Harbor Health | Yes | New to the Texas marketplace for 2026. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Texas questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Cigna and Baylor Scott & White Health Plan are leaving after 2026. If you have one of their plans, choose a new one by December 15 for coverage on January 1, 2027.
No. Aetna CVS Health stopped offering individual marketplace coverage after 2025. Harbor Health joined the Texas marketplace for 2026.
KFF found the average benchmark Silver premium for a 40-year-old rose from $489 to $661 a month before tax credits, about a 35% jump. What you pay depends on your age, county and tax credit.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- HealthCare.gov: Dates and deadlines
- healthinsurance.org: Texas health insurance marketplace (updated Aug. 27, 2026)
- KFF: Marketplace average monthly benchmark premiums
- Texas Tribune: Texas ACA premiums rise for 2026 (Oct. 31, 2025)
- Insurance Business: ACA carrier exits grow to nine as open enrollment approaches
