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.

Health insurance in Texas typically costs between $300 and $1,000 per month. In Texas, you can take advantage of several free health insurance options depending on your eligibility based on income, family status, and where you reside within Texas. Some of the free health insurance options in Texas include:

1. Health insurance coverage as a dependent on the health insurance plan of a spouse or parent
2. Texas Medicaid Services
3. Texas Children’s Health Insurance Program (CHIP)
4. Health Insurance Premiums Payment Program
5. STAR Managed Care Program

Texas residents who do not qualify for free health insurance may get affordable health insurance for as low as $50 a month. They may also qualify for other affordable health insurance options in Texas through subsidies and discounts. Discuss your coverage with a licensed insurance professional, who can assess your need and recommend the cheapest options to get health insurance.