Best Health Insurance in 2024 for Fort Worth, Texas

  • Find health insurance coverage on the marketplace that matches your needs
  • Get an idea about health plan costs in Fort Worth, Texas
  • Learn how Fort Worth small businesses are offering pre-tax funds to employees) to purchase their own health plans (known as ICHRA plans)

(Note: The recommendations reflect StretchDollar's perspective. Consult a broker for complex health inquiries.)

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 Fort Worth — StretchDollar’s picks

Where you live can affect your health insurance options. Luckily for folks in Fort Worth, Texas, there are plenty of choices! We've put together a list of our favorites, focusing on affordability and network coverage.

Best if you like telemedicine + $0 deductibles.

Oscar’s Bronze Elite + Specialist Saver Plus

Best plan for the young and healthy.

UnitedHealthcare - UHC Bronze Copay Focus

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

Cigna - Connect Gold CMS Standard

Lowest-cost plans (worth the money) in Fort Worth

If you're watching your budget, check out these wallet-friendly health insurance plans available in Fort Worth, Texas.

Plan Name
Monthly Premium*
UHC Bronze Copay Focus
Connect Gold 2500
Cigna Healthcare
Connect Gold CMS Standard
Cigna Healthcare

*Based on 30-year-old male

Best mental health coverage in Fort Worth

Mental health coverage can vary between health plans. If getting that support is important to you, it's definitely worth taking a closer look at these plans.

Plan Name
Monthly Premium*
Connect Gold CMS Standard
$30 copay
Cigna Healthcare
Connect Bronze CMS Standard
$50 copay
Cigna Healthcare
Standard Gold VALUE
$30 copay

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 Fort Worth that take credit cards

Looking to boost your credit card reward points by covering your health insurance premiums? Here are some health insurance carriers in Fort Worth, Texas, that let you pay with a credit card:

  • Aetna CVS Health
  • Ambetter from Superior HealthPlan
  • Blue Cross and Blue Shield of Texas
  • Cigna Healthcare
  • Molina Marketplace
  • UnitedHealthcare

Favorite perks — StretchDollar’s picks

Some health plans come with some pretty cool bonuses on top of the regular coverage. Let’s talk about a few:


An app you’ll actually use with integrated telemedicine

BlueCross Blue Shield of Texas

Super low cost fitness access

Insurance carriers in Fort Worth, Texas

Shopping at the marketplace? In Fort Worth, you have115+ plans from eight different health insurance carriers to choose from.

  • Aetna CVS Health
  • Ambetter from Superior HealthPlan
  • Blue Cross and Blue Shield of Texas
  • Cigna Healthcare
  • Imperial Insurance Companies, Inc.
  • Molina Marketplace
  • Oscar
  • 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 Fort Worth, Texas?
What types of health plans are available in Fort Worth, Texas?
Are there any PPO health plans in Fort Worth, Texas?
At this time, the Texas marketplace does not have any PPO health plans.

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