Best Health Insurance in 2024 for Dallas, Texas

  • Check out the best health insurance options for your needs
  • Review pricing for health plans in Dallas, Texas
  • Learn about ICHRA health benefits, a way Dallas small business owners are offering flexible health benefits with marketplace health plans

Note: These are StretchDollar's opinions. For complex health questions, best to consult a broker.

How to find affordable health insurance (for you and your small business employees)

The marketplace, also known as a health insurance exchange, allows individuals and families to shop for health insurance. Established by the federal government, it mandates that listed health plans provide comprehensive benefits.

In 2019, the government introduced ICHRA (Individual Health Reimbursement Arrangement), a unique way for small businesses to offer health benefits. Through ICHRA, business owners can give pre-tax money to employees for purchasing their own health plans from the marketplace. More employees than ever before are shopping the marketplace. Let's explore the options.

Best health plans in Dallas — StretchDollar’s picks

Are you on the hunt for health insurance guidance for Dallas, Texas? This resource can guide you to a ‘right fit’ health plan. (Note: This is StretchDollar's opinion. For complex health questions, best to consult a broker.)

Best if you like telemedicine + $0 deductibles.

Oscar Bronze Classic Standard - EPO

Best plan for the young and healthy.

MyBlue Health Bronze℠ 806

Best general all-around option for the price and network.

UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Insulin) - HMO

Lowest-cost plans (worth the money) in Dallas

Looking for the most affordable plan? Here are a few of the lowest cost health plans available in Dallas, Texas.

Plan Name
Monthly Premium*
MyBlue Health Bronze℠ 402 - HMO
Blue Cross Blue Shield of Texas
BSW Vital Bronze HMO 007 - HMO
Baylor Scott and White Health Plan
UHC Bronze Value ($0 Virtual Urgent Care + $0 PCP Visits, $3 Tier 2 Rx, $0 Insulin) - HMO

*Based on 30-year-old male

Best mental health coverage in Dallas

Coverage for mental health visits varies widely. If mental health benefits are important to you, checkout these health plans.

Plan Name
Monthly Premium*
BSW Vital Bronze HMO 009 - HMO
$40 copay
Baylor Scott and White
Oscar - Bronze Classic Standard - EPO
$50 copay
MyBlue Health Gold℠ 808 - HMO
$30 copay
Blue Cross Blue Shield of Texas

Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.

Carriers in Dallas that take credit cards

If you're keen on racking up credit card reward points by paying for health insurance premiums, you've got options. Check out these health insurance carriers in Dallas, Texas that accept credit card payments:

  • Aetna CVS Health
  • Blue Cross and Blue Shield of Texas
  • Cigna Healthcare
  • Molina Marketplace
  • Scott and White Health Plan
  • UnitedHealthcare

Favorite perks — StretchDollar’s picks

Some health plans have added bonuses beyond the standard coverage. Here's a few we think worth calling out:


An app you’ll actually use with integrated telemedicine

Blue Cross Blue Shield of Texas

Super low cost fitness access

Insurance carriers in Dallas, Texas

Shopping on the marketplace offers you the advantage of choice. The marketplace in Houston has 120+ plans from eight different health insurance carriers.

  • Aetna CVS Health
  • Ambetter from Superior HealthPlan
  • Blue Cross and Blue Shield of Texas
  • Cigna Healthcare
  • Imperial Insurance Companies, Inc.
  • Molina Marketplace
  • Oscar
  • Baylor Scott and White Health Plan
  • UnitedHealthcare

Understanding health insurance

Health insurance has a lot of terms and jargon that are important to know. Here’s some of the main ones you’ll come across. You can find more here.

Out-of-pocket max

When to get help finding a health plan

Seeing out-of-network doctors or taking medicines that aren’t covered by your health plan can become quite costly. If you have complicated health needs or take specialty medicines, you should consult a broker to make sure your doctors and prescriptions are covered.

Why more small businesses are choosing ICHRAs

Health insurance is complicated and costly, especially for small businesses. High participation rates and contribution requirements make it out of reach for many. Not to mention, traditional group health insurance plans often require 60+ hours of administrative work. That’s where ICHRA comes in. Small business owners finally can control their benefits budget and setup takes just ten minutes. Learn more.

StretchDollar’s guide to the best small business health insurance in Texas. Learn more about employee health coverage options for SMBs and startups with this guide.

Learn more


What is the cheapest health plan in Dallas, Texas?
What types of health plans are available in Dallas, Texas?
Are there any PPO health plans in Houston, Texas?
How do premium tax credits work?

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