Best Health Insurance Companies in Fort Worth
Not every insurance company offers the same thing. Here are the major carriers that serve Tarrant County, and what makes each one different:
| Carrier | Plan Types Available | Strengths |
Blue Cross Blue Shield of Texas | HMO, PPO, Group | Largest carrier in Texas. Accepted at nearly every hospital in Fort Worth, including JPS and Texas Health Harris Methodist. |
United Healthcare | PPO, Group, Individual | Strong nationwide PPO network. Great for Lockheed Martin or American Airlines employees who travel frequently. |
Cigna | PPO, Group, Individual | Good option for self-employed professionals and small businesses along West 7th and Magnolia. |
Humana | PPO, Group | Wellness-focused plans with preventive care benefits. Solid option for families in Fort Worth. |
Aetna | Group, Employer Plans | Strong group plan options for mid-size employers. Note: Aetna is exiting the individual market after 2025. Group plans still available. |
One thing most people don’t know: The Texas marketplace only offers HMO and EPO plans. There are zero PPO plans on the exchange. If you want a PPO, which lets you see any doctor without a referral, you need to go through a broker like Custom Health Plans to access private market options.
Health Insurance Options in Fort Worth, TX
Individual Health Insurance
If you’re buying coverage just for yourself, a health insurance broker in Fort Worth can show you more options than the marketplace alone. Private market plans give you access to PPO networks that aren’t available on the exchange. That means you can see specialists at places like Texas Health or Medical City Fort Worth without needing a referral.
Short-term plans are another option if you’re healthy and need coverage fast. They start as low as $114 per month and can last up to 364 days in Texas. Just keep in mind that short-term plans don’t cover pre-existing conditions.
Family Health Insurance
Fort Worth is one of the most affordable major cities in Texas for families, which is why so many young families are moving here. But covering your whole family takes careful planning. You need to think about pediatric care at Cook Children’s, maternity coverage, and how many doctors your family uses.
Private PPO plans let everyone in the family choose their own doctors without worrying about network restrictions. Association health plans can also work well for families. If you or your spouse is self-employed, you may qualify for group rates through a professional or trade association, which can save you $200 to $400 per month compared to buying individual plans for everyone.
Small Business & Group Health Insurance
Fort Worth has a thriving small-business scene, from shops and restaurants in the Stockyards district to creative agencies in the Cultural District to logistics companies in the Alliance corridor. If you run a business here, you know that health benefits help you attract and keep good employees.
Texas requires just 2 enrolled employees to qualify for a small group plan, and that can include you and your spouse. We help Fort Worth business owners compare group plans from BCBS, United, Cigna, and more, all in one place. Many owners don’t realize how affordable group coverage can be, especially when you combine employer contributions with plans that include HSA options.
Self-Employed & Freelancer Insurance
Fort Worth’s creative and entrepreneurial community is growing fast, especially around the Near Southside, Clearfork, and West 7th neighborhoods. If you work for yourself, whether you’re a consultant, contractor, photographer, or small-shop owner, you don’t have to settle for expensive marketplace HMOs.
Association health plans let self-employed workers join together through a trade or professional group to get group rates. This is often the only way for a freelancer to access a PPO plan in Texas. We’ll help you find the right association and the right plan.
Short-Term Health Insurance
Short-term plans are designed to fill gaps. Maybe you left a position at Lockheed Martin or Bell Textron and you’re waiting for new benefits to start. Maybe you’re between contracts at one of the Alliance corridor companies.
Maybe you just graduated from TCU or UTA and need coverage while you figure out your next step.
In Texas, short-term plans can last up to 364 days with one renewal period. They’re medically underwritten, which means if you’re healthy, you’ll pay much less than you would on the marketplace. Plans start as low as $114 per month for a healthy 30-year-old.
Keep in mind: Short-term plans do not cover pre-existing conditions, maternity, or mental health services in most cases. They work best as temporary coverage, not a long-term solution.
Top Hospitals and Healthcare Facilities in Fort Worth
When you’re picking a health insurance plan, the first question most people ask is: “Will my hospital be covered?” Fort Worth has excellent healthcare facilities. Here are the ones you should know about:
JPS Health Network
Tarrant County’s public hospital system and a Level I Trauma Center. JPS serves as the county’s safety-net hospital and handles over a million patient encounters per year. It’s also a teaching hospital affiliated with UNT Health Science Center.
Texas Health Harris Methodist Fort Worth
One of the largest hospitals in the Texas Health Resources system. Harris Methodist has been a cornerstone of Fort Worth healthcare for over a century and is known for heart care, orthopedics, and emergency medicine.
Medical City Fort Worth
A full-service acute care hospital and part of HCA Healthcare. Medical City Fort Worth offers a comprehensive stroke program, cardiac care, and surgical services. Located centrally for easy access from most Fort Worth neighborhoods.
Baylor Scott & White All Saints Medical Center
Part of the largest not-for-profit health system in Texas. All Saints provides a wide range of services, including oncology, women’s health, and bariatric surgery.
Cook Children’s Medical Center
One of the top pediatric hospitals in the country. If you have kids, you want to make sure your plan covers Cook Children’s. They handle everything from routine pediatric care to complex surgeries and childhood cancer treatment.
Before you enroll in any plan, make sure your preferred hospital is in-network. Hospital networks change, and not every plan covers every facility. When you work with a health insurance broker in Fort Worth like Custom Health Plans, we verify your hospital and doctor coverage before you sign up. No surprises.
How to Get Health Insurance in Fort Worth, TX
Getting covered is simpler than you think. Here’s how it works:
Step 1: Request a Free QuoteCall us at
(469) 361-4032 or fill out our
online quote form. Tell us a bit about yourself: your age, who you need to cover, and what’s important to you in a plan.
Step 2: Compare Your Options
We do the shopping for you. We’ll show you side-by-side comparisons from multiple carriers so you can see exactly what each plan covers and what it costs. No pressure, no sales pitch.
Step 3: Get Covered
Once you pick a plan, we handle the paperwork and enrollment. If you ever have questions down the road about a claim, a bill, or changing your plan, we’re a phone call away.
No cost to you. Brokers are paid by the insurance companies. You get the same price whether you go through us or buy directly from the carrier, but with us, you get expert guidance and someone in your corner.
Why Fort Worth Residents Choose Custom Health Plans
We’re local. Our office is in Plano, and we serve clients across the entire DFW metro, including Fort Worth and all of Tarrant County. We know the local healthcare landscape because we live and work here, too.
We’ve been doing this for over 30 years. Health insurance in Texas is complicated. The rules change every year, and the Tarrant County rating area adds another layer. We stay on top of it so you don’t have to.
We’re independent. We don’t work for any one insurance company. That means we can honestly tell you which carrier has the best plan for your situation, not the one that pays us the most.
We specialize in alternative plans. If the marketplace doesn’t have what you need, like a PPO plan or affordable coverage without subsidy eligibility, we know where to find it. Short-term plans, association health plans, private-market PPOs, and small-group options are our specialty.
We make it personal. You’ll talk to a real person, not a call center. We’ll learn your situation, answer your questions, and help you make a confident decision.
