Medicaid is the best low-income health insurance in Texas for children, but it's very difficult for adults to get. If you do qualify, Medicaid is a good option. If you make too much for Medicaid, you could buy an alternative health plan, get health care at a community center or look for cheap traditional health insurance.

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.