Health insurance plans in Texas
Texas uses the federal Marketplace, with 805 plans across the Bronze, Silver and Gold tiers from up to 15 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
In Texas, Silver costs more than Gold.
The average Silver plan in Texas runs $623 a month against $540 for Gold — $83 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.
The three tiers in Texas, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Texas on the full Texas plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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