Best Health Insurance in 2024 for Houston, Texas

  • Discover the best health insurance choices
  • Find pricing for health plans in Houston, Texas
  • Find out why Houston small business owners are turning to ICHRA plans — giving tax-free dollars to employees for marketplace health plan premiums

Note: This is StretchDollar's take. Consult a broker for complicated health questions.

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 Houston — StretchDollar’s picks

Health insurance options vary based on where you live. Good news for folks in Houston, Texas - you have plenty of health insurance plans to choose from! Here are some of our favorites, picked for their cost and network coverage.

Best if you like telemedicine + $0 deductibles.

Oscar’s Bronze Elite + PCP Saver Plus

Best plan for the young and healthy.

MyBlue Health Bronze℠ 806

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

UHC Kelsey-Seybold Bronze Copay Focus ($0 Insulin)

Lowest-cost plans (worth the money) in Houston

If price is a concern, here are some of the most cost-effective health plans available in Houston, Texas.

Plan Name
Monthly Premium*
MyBlue Health Bronze℠ 806 - HMO
Blue Cross Blue Shield of Texas
UHC Kelsey-Seybold Bronze Copay Focus - HMO
MyBlue Health Gold℠ 403 - HMO
Blue Cross Blue Shield of Texas

*Based on 30-year-old male

Best mental health coverage in Houston

Mental health coverage varies among health plans. If this type of support is a priority for you, explore these health plans more closely.

Plan Name
Monthly Premium*
Blue Cross Blue Shield of Texas
$50 copay
Blue Cross Blue Shield of Texas
Community Select Bronze 016 - HMO
$35 copay
Community Health Choice
Oscar - Bronze Classic Standard - EPO
$50 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 Houston that take credit cards

If you're interested in stacking up credit card reward points while paying for health insurance premiums, you're in luck. Here are some health insurance carriers in Houston, Texas that let you pay with a credit card:

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

Favorite perks — StretchDollar’s picks

Some health plans come with a few extra perks on top of the usual coverage. Here are a few that stand out.


An app you’ll actually use with integrated telemedicine

BlueCross Blue Shield of Texas

Super low cost fitness access

Insurance carriers in Houston, 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
  • Community Health Choice
  • 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 Houston, Texas?
What types of health plans are available in Houston, Texas?
Are there any PPO health plans in Houston, Texas?
How do premium tax credits work?

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