Ambetter has the best health insurance plans in TX because of its good customer service, strong coverage options and affordable prices. Silver health plans from Ambetter start at $540 per month before discounts, called subsidies.

If you can't sign up for a group health plan through your employer, you should use HealthCare.gov to shop for a health marketplace plan.

The average Silver health plan in Texas costs $826 per month for a 40-year-old. That's 35% more expensive than in 2025. A Gold plan costs $716 per month, on average. That makes it a good choice if you're not eligible for cost-sharing reductions (CSRs).

If you qualify for discounts based on your income, you could pay around $124 per month for coverage.