Which plan
is right for

Shop for Insurance

Have a question?

Speak with a licensed insurance expert

Mon-Sat 8AM – 6PM CST

Top Health Insurance Agency in Dallas

Know Your Options: We Review the Best Medical Insurance Companies in Texas

visiting a doctor
Reading Time: 4 minutes

Table of Contents

Did you know the average adult makes 35,000 decisions per day? As Americans, we expect freedom of choice and an open marketplace. Texas health insurance is no exception. 

There are many medical insurance companies in Texas, but only one of them is best for you. How do you find the right insurance company and the right price? What questions should you ask?

The biggest question is: Who knows the answers? Help is available to walk you through all the options, step by step. To find the right medical insurance, you need to know all of your options. 

Keep reading to learn more.

Best Medical Insurance Companies in Texas

There just eight insurance carriers who write policies in the Texas Health Insurance Exchange. Only Blue Cross and Blue Shield offer policies in all 254 counties of Texas.  If you are looking for policies outside of the Health Insurance Exchange, there are more than 500 insurance carriers registered in Texas.

Before choosing the company that is best for your family, it’s important to get some answers.

What Type of Health Insurance?

Are you an employer, individual or self-employed?

Do you or your family members have a chronic illness?

Do you need to remain with one particular healthcare provider?

Some companies have better policies than others about covering pre-existing conditions.  Look into the healthcare provider network to see if your current physician is covered or if there is an additional cost. Some companies specialize in supplemental policies for other costs not usually included in standard medical insurance.

Examples of costs not usually covered by standard insurance include cancer care, infertility treatment or trial drugs and therapy. Certain companies and policies may provide better care.

Consider Your Budget

Basic medical insurance to cover the most urgent health needs is affordable in Texas. However, as your budget increases, your choices and policy options increase. You can add more service options, change your deductible and more.

When you choose a company, look for one with a good reputation for customer service and many different policy types. You may need to look at several to find the coverage you want at your price point. In general, higher deductibles lower your premium.  

The best health insurance companies offer a wide range of plans to fit all types of business, family situations, and budgets.

Best Medical Insurance Companies

There are several things to keep in mind when you select the best company for your needs. Consider financial strength, claims service, plan prices, policy types and coverage, healthcare provider choices, and customer service. Many insurance companies are rated by A.M. Best or Moody’s.


This organization makes the top of the list because of its status as one of the largest provider networks in the country. There are 39 Blue Cross health insurance entities in the U.S. insuring 100 million people.  there are also one of the largest healthcare providers in the U.S. and the world.

BCBS offers coverage for Texas residents in all 254 counties. Through a wide variety of policy options, Blue Cross members have access to Texas’ largest care network. It includes 36,000 physicians and 400 hospitals. 

Some Blue Cross plans give access to HSA and FSA health savings accounts. These tax-free accounts allow you to save money and save for high deductible plans.


This organization makes the list for its excellence in claims service. UnitedHealthOne boasts that more than 90 percent of all health insurance claims were processed in 10 working days or fewer. 26 million people in the U.S. depend on them. 

They provide several health insurance options for families and individuals. Their business lines include personal health insurance plans, health savings accounts, short-term health insurance, and dental insurance. They are one of the largest providers of HSA accounts. 

Texas individual, senior, business, and family plans are available. 


Employers need to look at Aetna for their group health insurance needs. Aetna is one of the largest health insurers in the U.S., Aetna offers employer health plans in all 50 states. There are plans available for any size business.

Policy options include preventative care, hospitalization, high-deductible plans, wellness education and more. They also maintain a large physician and healthcare provider network. Aetna is focused on offering services that employers in Texas can love, such as online tools and self-service physician information.

Aetna wellness programs provide health education at the workplace. Smoking cessation, weight loss, and psychological support are popular topics.


Global giant Cigna offers dozens of policy choices suitable for both businesses and individuals.  They do not write policies in all states, however, they do maintain a 500,000 physician network in the 12 states they do business in. They offer a wide variety of plans in the Texas market.

Cigna offers health insurance, dental insurance, and life insurance policies. Their Seniors’ Medicare Advantage and Medicare Part D are popular. 

Plan choices, high-deductible plans, and co-pay options are available. There are supplementary policies available. Health care savings plan options round out their Texas offerings.


Multiple Quotes Made Easy

Choosing medical insurance companies in Texas requires patience and lots of research. Let Custom Health Plans Texas experts help you prioritize your needs. We can give you custom quotes from several insurance companies.

As 100% independent brokers, we evaluate insurance companies and only offer the best solutions. We advocate full Freedom of Choice. Custom Health Plans Texas recommends using an HSA and making your own decisions about medical care.

Custom Health Plans offers insurance quotes for individuals, families, small businesses, and the self-employed.  Ready to begin your search for the best medical insurance company? Contact us now to begin the process. 

Shop, compare, buy instantly from top rated carriers!

Related posts

Back to top