      
  5.0 
   433 reviews

The Best Health Insurance Companies in Texas, Compared for 2026

Finding the best health insurance companies in Texas for your needs starts with your doctors and your budget. We compare top carriers side by side, check your doctors and prescriptions against each network, and help you enroll in the plan that fits.

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How We Help You Choose a Carrier

We compare carriers side by side

You see plans from top carriers next to each other, with the real annual cost of each, instead of one company's lineup at a time.

We check your doctors first

Before you enroll, we confirm your physicians are in network and your prescriptions are on each carrier's drug formulary.

We stay with you after enrollment

Renewals, billing questions and claim problems come back to us, and we work them out with the carrier on your behalf.

All Health Insurance Companies in Texas We Compare

As an independent broker we are not tied to one insurer. Here is what each carrier actually sells in Texas right now, so you can see which of the best health insurance companies in Texas fit your situation.

Blue Cross Blue Shield of Texas

The largest health insurer in Texas. Individual plans for 2026 are HMO and POS designs, while the Blue Choice PPO is sold to employers with 2 to 50 eligible employees.

Aetna Health Insurance Texas

A strong choice for employer group PPO coverage, plus dental and vision plans. We show you where Aetna fits your business or family.

United Healthcare Texas

Individual and family plans across most Texas ZIP codes, plus the Choice Plus open-access network on many employer group plans. We check which UHC plans include your doctors.

Cigna Health Insurance Texas

PPO network options for Texas employers and individual plans in select counties. We check whether Cigna's network includes your doctors before you choose.

Compare the Best Health Insurance Companies in Texas

How We Rank the Best Health Insurance Companies in Texas

A brand name does not decide which carrier is best for you. We rank carriers for each client on four tests, and the order changes from one household to the next.

The four tests we run:

1️⃣ Network depth in your county

How many of your local hospitals, specialists and urgent care clinics each carrier actually contracts with.

2️⃣ Plan type: PPO, HMO, EPO or POS

A PPO needs no referrals and covers some out-of-network care. An HMO costs less but keeps you inside one network.

3️⃣ Drug formulary

Each carrier lists covered drugs by tier. A medication on tier 2 with one carrier can sit on tier 4 with another.

4️⃣ Claims and prior authorization

Prior authorization rules and claim experiences vary by carrier, and we tell you where we see friction before you enroll.

Why Texans Choose Custom Health Plans

      EXCELLENT  
   Based on 431 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Melinda Vaughn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark Savoca of Custom Health Plans made finding a health insurance plan very easy. He took the time to explain different coverage and deductibles and found a plan that fit our doctor preferences. Excellent communication and personalized service! Highly recommend!
  
 
      Posted on Google  
   
   Elizabeth Biermann 
 
 
 
 Trustindex verifies that the original source of the review is Google. Marc was wonderful to work with! He helped me find a policy that off marketplace, provided the very specific coverage my kids needed. He helped me all the way through the process to make sure everything was submitted on time for October health coverage for my family. So thankful!!!
  
 
      Posted on Google  
   
   Ann Michele Bowlin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark was extremely helpful in guiding me through my health insurance options as I transitioned from COBRA coverage through my former employer. He took the time to understand my specific needs, thoroughly explained the available options, and patiently answered all of my questions. He also helped arrange short-term emergency coverage to bridge the gap between the end of COBRA and the start of my new private plan, which required underwriting. Mark was knowledgeable, responsive, and made a complicated process much easier to navigate. I highly recommend Mark and Custom Health Plans.
  
 
      Posted on Google  
   
   K K 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark Savoca is really great to work with - he listens to your needs, does the work to find good options for you, and stays on top of your policy expirations dates and what you need to do to get the best service!  He’s an amazingly valuable professional.  I’m super happy that he was recommended to me!
  
 
      Posted on Google  
   
   Stephanie Butler 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark has been helping us for several years now with our health insurance. He is so great to work with and makes the process simple and fast. He is very responsive and knowledgeable. Highly recommend him and his team!
  
 
      Posted on Google  
   
   Jennifer Cohen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark Savoca from Custom Health plans has helped us with our health insurance since we moved to Texas 3 years ago.  He has provided excellent customer service.  He always walks me through the best options for our family every year when it is time to renew.  He is knowledgeable and is able to explain the options in a clear way that is easy to understand.  We really appreciate all of his help.  I would highly recommend him to anyone looking for an insurance agent.
  
 
      Posted on Google  
   
   Avron Levin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark was very attentive and helpful. We needed very specific cover and Mark made time to discuss and help us choose the right plan
  
 
      Posted on Google  
   
   Jill Dorjee 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark S. did a great job.  He answered all my questions and he always got back to me promptly. I hate dealing with insurance, but Mark made it understandable and never criticized a dumb question (I'm sure I asked many!), and it was just an easy process to work with Mark.  Thank you!
  
 
      Posted on Google  
   
   Dave Waite 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mark is a smart, straight-shooting adviser in the difficult-to-discern maze of health plans. Appreciate his guidance and happy to recommend him. Highly recommended.
  
 
      Posted on Google  
   
   David Weaver 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Mark Savoca getting health insurance several years. Mark is always professional, prepared, courteous and helpful. Well done. Thanks. DMW

How It Works (3 Simple Steps)

1. Tell Us About You

First, we need your age, county, household, doctors, prescriptions and budget. One short call or the form on this page.

2. Compare Your Best Options

Then we put the carriers that fit your situation side by side, check your doctors against each network, and explain the real annual cost of each.

3. Enroll With Help

Finally, we handle the application, confirm your effective date, and stay on as your broker for renewals and claim questions.

Check Eligibility and Get Your Options

A 5-minute conversation tells you exactly which plans fit your budget and your doctors. No pressure, no fees, no obligation.

Frequently Asked Questions

What is the best health insurance in Texas?

The best plan is the one whose network includes your doctors at a price you can live with. Among the best health insurance companies in Texas, BCBSTX has the widest statewide reach, UnitedHealthcare has expanded its individual plans for 2026, and association plans often carry the broadest PPO networks.

Is Blue Cross Blue Shield better than UnitedHealthcare in Texas?

It depends on what you are buying. For an individual plan, UnitedHealthcare has the wider 2026 footprint, while BCBSTX sells HMO and POS plans in all 254 counties. For a business with 2 to 50 employees, BCBSTX Blue Choice PPO is one of the few PPO networks still sold in Texas.

Who are the big 5 health insurance companies?

Nationally, the largest health insurers include UnitedHealthcare, Elevance (Anthem), Aetna (CVS Health), Cigna and the Blue Cross Blue Shield companies. In Texas the names most people compare are BCBSTX, UnitedHealthcare, Aetna and Cigna.

Can I buy private health insurance at any time in Texas?

Some private coverage, such as short-term and certain association or medically underwritten plans, can be bought year-round. Major medical plans are usually limited to Open Enrollment or a qualifying life event, so the timing depends on the plan type.

How much is health insurance in Texas per month for one person?

For 2026 the average benchmark premium for a 40-year-old Texan is $661 a month, up from $489 in 2025, per KFF figures reported by the Texas Tribune. Your price depends on age, county, tobacco use and plan type, which is why we quote your actual details.