🩺 Health insurance cost in Texas (2026)
The estimated average is $504 per month — below the national average (-10% vs. the U.S. average of $560).
Texas is home to about 30.5 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Houston typically differ from smaller towns.
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Texas health insurance estimator
Starts from the Texas average. Estimate only — get quotes to confirm.
Health insurance cost in Texas cities
| City | Population | Est. health insurance |
|---|---|---|
| Houston | 2,314,157 | $528 |
| San Antonio | 1,495,295 | $528 |
| Dallas | 1,302,868 | $528 |
| Austin | 979,882 | $520 |
| Fort Worth | 978,468 | $520 |
| El Paso | 678,815 | $520 |
| Arlington | 394,602 | $512 |
| Corpus Christi | 316,239 | $512 |
| Plano | 285,494 | $512 |
| Lubbock | 263,930 | $512 |
| Laredo | 255,205 | $512 |
| Garland | 242,507 | $504 |
Texas health insurance FAQ
How much is health insurance in Texas?
The estimated average health insurance in Texas is $504 per month, which is below the national average (-10% vs. the U.S. average of $560). Texas ranks 30 of 51 states from most to least expensive.
Why is health insurance cheaper in Texas?
Health insurance pricing in Texas reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on health insurance in Texas?
Compare at least three quotes from insurers active in Texas, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.