For 2027, 13 insurance companies sell individual and family (ACA) health plans in Texas. Which ones you can buy depends on your county: Blue Cross and Blue Shield of Texas is the only carrier in every county, while some carriers serve just a few. Cigna and Baylor Scott & White are leaving the Texas individual market at the end of 2026.
| Texas Carrier Guide 2027 | |||
| Carrier | Our Rating | Counties Served (2026) | Application |
|
Blue Cross and Blue Shield of Texas |
★★★☆ | All 254 (statewide) | Apply |
|
UnitedHealthcare |
★★★☆ | 218 | Apply |
|
Ambetter |
★★★☆ | 150 | Apply |
|
Oscar |
★★★★ | 47 | Apply |
|
CHRISTUS Health Plan |
Not rated | 38 | Apply |
|
Wellpoint |
Not rated | 30 | Apply |
|
Community Health Choice |
Not rated | 20 | Apply |
|
Imperial Insurance Companies |
Not rated | 13 | Apply |
|
Molina Healthcare |
★★☆☆ | 13 | Apply |
|
Sendero Health Plans |
★★☆☆ | 8 | Apply |
|
Harbor Health |
Not rated | 3 (expanding for 2027) | Apply |
|
Moda Health |
Not rated | 3 | Apply |
|
Community First Health Plans |
Not rated | 1 (Bexar) | Apply |
County counts show where each carrier sold plans in 2026. CMS publishes the 2027 service areas shortly before open enrollment, and 2027 rates are not final until they are approved this fall.
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