UnitedHealthcare in Texas health insurance (2026)
UnitedHealthcare sells 31 marketplace plans in 218 of 254 Texas counties for 2026, from $447/mo; typical Silver $795/mo, before tax credits. Buy on HealthCare.gov.
$447Cheapest plan
$795Typical Silver plan
218of 254 counties
31Plans
Plan year 2026 prices (2027 prices will be added as soon as CMS publishes them). Monthly premium for one 40-year-old, before any tax credit (subsidy).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
UnitedHealthcare plans in Texas
- Bronze $447–$973
- Silver $636–$1,409
- Gold $544–$1,231
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 9 plans · $447–$973/mo | ||||||
| UHC Bronze Essential ($0 Virtual Urgent Care) | HMO | $447–$880in 218 counties | $10,600 | $10,600 | $15,970–$21,163 | Benefits summary Find doctors |
| UHC Sanitas Bronze Standard Expanded Bronze | HMO | $452in 1 county | $7,500 | $10,000 | $15,419 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded Expanded Bronze | HMO | $453–$476in 5 counties | $0 | $10,600 | $16,034–$16,308 | Benefits summary Find doctors |
| UHC Bronze Standard Expanded Bronze | HMO | $468–$920in 218 counties | $7,500 | $10,000 | $15,611–$21,037 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) Expanded Bronze | HMO | $468–$492in 5 counties | $0 | $10,600 | $16,218–$16,501 | Benefits summary Find doctors |
| UHC Sanitas Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) Expanded Bronze | HMO | $472in 1 county | $0 | $10,600 | $16,258 | Benefits summary Find doctors |
| UHC Bronze Standard+ (Dental + Vision) Expanded Bronze | HMO | $484–$951in 218 counties | $7,500 | $10,000 | $15,802–$21,414 | Benefits summary Find doctors |
| UHC Sanitas Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) Expanded Bronze | HMO | $489in 1 county | $0 | $10,600 | $16,466 | Benefits summary Find doctors |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) Expanded Bronze | HMO | $495–$973in 213 counties | $0 | $10,600 | $16,537–$22,280 | Benefits summary Find doctors |
| Silver 11 plans · $636–$1,409/mo | ||||||
| UHC Sanitas Silver Value ($0 Virtual Urgent Care) | HMO | $636in 1 county | $2,950 | $7,500 | $15,132 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | HMO | $649–$681in 5 counties | $0 | $9,200 | $16,985–$17,377 | Benefits summary Find doctors |
| UHC Sanitas Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | HMO | $654in 1 county | $0 | $9,200 | $17,049 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | HMO | $664–$697in 5 counties | $0 | $9,200 | $17,163–$17,564 | Benefits summary Find doctors |
| UHC Sanitas Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | HMO | $670in 1 county | $0 | $9,200 | $17,245 | Benefits summary Find doctors |
| UHC Sanitas Silver Standard | HMO | $677in 1 county | $6,000 | $8,900 | $17,028 | Benefits summary Find doctors |
| UHC Silver Standard | HMO | $688–$1,354in 218 counties | $6,000 | $8,900 | $17,159–$25,147 | Benefits summary Find doctors |
| UHC Silver Value ($0 Virtual Urgent Care) | HMO | $699–$1,376in 218 counties | $3,000 | $8,950 | $17,342–$25,459 | Benefits summary Find doctors |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | HMO | $700–$1,377in 213 counties | $3,500 | $9,200 | $17,602–$25,728 | Benefits summary Find doctors |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | HMO | $715–$1,407in 218 counties | $3,000 | $8,950 | $17,534–$25,836 | Benefits summary Find doctors |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | HMO | $716–$1,409in 213 counties | $3,500 | $9,200 | $17,794–$26,105 | Benefits summary Find doctors |
| Gold 11 plans · $544–$1,231/mo | ||||||
| UHC Sanitas Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | HMO | $544in 1 county | $0 | $7,800 | $14,327 | Benefits summary Find doctors |
| UHC Sanitas Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | HMO | $555in 1 county | $1,000 | $5,500 | $12,158 | Benefits summary Find doctors |
| UHC Sanitas Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | HMO | $560in 1 county | $0 | $7,800 | $14,519 | Benefits summary Find doctors |
| UHC Sanitas Gold Standard | HMO | $585in 1 county | $2,000 | $8,200 | $15,220 | Benefits summary Find doctors |
| UHC Gold Standard | HMO | $594–$1,168in 218 counties | $2,000 | $8,200 | $15,327–$22,220 | Benefits summary Find doctors |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | HMO | $608–$1,196in 213 counties | $0 | $7,800 | $15,093–$22,147 | Benefits summary Find doctors |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | HMO | $610–$1,199in 218 counties | $1,000 | $7,500 | $14,816–$21,892 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | HMO | $618–$649in 5 counties | $0 | $7,800 | $15,212–$15,586 | Benefits summary Find doctors |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | HMO | $624–$1,227in 213 counties | $0 | $7,800 | $15,285–$22,524 | Benefits summary Find doctors |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | HMO | $626–$1,231in 218 counties | $1,000 | $7,500 | $15,008–$22,269 | Benefits summary Find doctors |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | HMO | $634–$666in 5 counties | $0 | $7,800 | $15,411–$15,795 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where UnitedHealthcare sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Anderson County | 14 | $496–$795 | $777 |
| Andrews County | 14 | $514–$823 | $805 |
| Angelina County | 14 | $459–$735 | $718 |
| Aransas County | 14 | $477–$764 | $747 |
| Armstrong County | 14 | $526–$842 | $823 |
| Atascosa County | 14 | $455–$728 | $712 |
| Austin County | 14 | $465–$745 | $728 |
| Bailey County | 14 | $531–$849 | $830 |
| Bandera County | 14 | $455–$728 | $712 |
| Bee County | 14 | $477–$764 | $747 |
| Bell County | 14 | $508–$813 | $795 |
| Bexar County | 25 | $452–$728 | $700 |
| Blanco County | 14 | $450–$720 | $704 |
| Borden County | 14 | $514–$823 | $805 |
| Bowie County | 14 | $525–$840 | $821 |
| Brazoria County | 15 | $453–$744 | $716 |
| Brazos County | 14 | $447–$716 | $700 |
| Brewster County | 14 | $481–$771 | $753 |
| Briscoe County | 14 | $526–$842 | $823 |
| Brooks County | 14 | $530–$847 | $829 |
| Burleson County | 14 | $447–$716 | $700 |
| Burnet County | 14 | $450–$720 | $704 |
| Caldwell County | 14 | $450–$720 | $704 |
| Calhoun County | 14 | $525–$841 | $822 |
| Cameron County | 14 | $525–$840 | $821 |
| Camp County | 14 | $525–$840 | $821 |
| Carson County | 14 | $526–$842 | $823 |
| Cass County | 14 | $525–$840 | $821 |
| Castro County | 14 | $526–$842 | $823 |
| Chambers County | 14 | $468–$749 | $733 |
| Cherokee County | 14 | $496–$795 | $777 |
| Childress County | 14 | $526–$842 | $823 |
| Cochran County | 14 | $531–$849 | $830 |
| Coke County | 14 | $880–$1,409 | $1,377 |
| Collin County | 14 | $551–$883 | $863 |
| Collingsworth County | 14 | $526–$842 | $823 |
| Colorado County | 14 | $465–$745 | $728 |
| Comal County | 14 | $455–$728 | $712 |
| Concho County | 14 | $880–$1,409 | $1,377 |
| Cooke County | 14 | $556–$890 | $870 |
| Coryell County | 14 | $508–$813 | $795 |
| Crane County | 14 | $514–$823 | $805 |
| Crockett County | 14 | $880–$1,409 | $1,377 |
| Crosby County | 14 | $531–$849 | $830 |
| Culberson County | 14 | $481–$771 | $753 |
| Dallam County | 14 | $526–$842 | $823 |
| Dallas County | 14 | $551–$883 | $863 |
| Dawson County | 14 | $514–$823 | $805 |
| DeWitt County | 14 | $525–$841 | $822 |
| Deaf Smith County | 14 | $526–$842 | $823 |
| Delta County | 14 | $525–$840 | $821 |
| Denton County | 14 | $528–$846 | $827 |
| Dickens County | 14 | $531–$849 | $830 |
| Dimmit County | 14 | $455–$728 | $712 |
| Donley County | 14 | $526–$842 | $823 |
| Duval County | 14 | $574–$919 | $898 |
| Ector County | 14 | $514–$823 | $805 |
| Edwards County | 14 | $455–$728 | $712 |
| El Paso County | 14 | $481–$771 | $753 |
| Ellis County | 14 | $551–$883 | $863 |
| Erath County | 14 | $528–$846 | $827 |
| Fannin County | 14 | $556–$890 | $870 |
| Fayette County | 14 | $450–$720 | $704 |
| Floyd County | 14 | $531–$849 | $830 |
| Fort Bend County | 15 | $453–$744 | $716 |
| Franklin County | 14 | $525–$840 | $821 |
| Frio County | 14 | $455–$728 | $712 |
| Gaines County | 14 | $514–$823 | $805 |
| Galveston County | 15 | $476–$781 | $752 |
| Garza County | 14 | $531–$849 | $830 |
| Gillespie County | 14 | $455–$728 | $712 |
| Glasscock County | 14 | $514–$823 | $805 |
| Goliad County | 14 | $525–$841 | $822 |
| Gonzales County | 14 | $455–$728 | $712 |
| Gray County | 14 | $526–$842 | $823 |
| Grayson County | 14 | $556–$890 | $870 |
| Gregg County | 14 | $512–$819 | $800 |
| Grimes County | 14 | $447–$716 | $700 |
| Guadalupe County | 14 | $455–$728 | $712 |
| Hale County | 14 | $531–$849 | $830 |
| Hall County | 14 | $526–$842 | $823 |
| Hamilton County | 14 | $508–$813 | $795 |
| Hansford County | 14 | $526–$842 | $823 |
| Hardin County | 14 | $459–$735 | $718 |
| Harris County | 15 | $476–$781 | $752 |
| Harrison County | 14 | $512–$819 | $800 |
| Hartley County | 14 | $526–$842 | $823 |
| Hays County | 14 | $450–$720 | $704 |
| Hemphill County | 14 | $526–$842 | $823 |
| Henderson County | 14 | $496–$795 | $777 |
| Hidalgo County | 14 | $530–$847 | $829 |
| Hockley County | 14 | $531–$849 | $830 |
| Hood County | 14 | $528–$846 | $827 |
| Hopkins County | 14 | $525–$840 | $821 |
| Houston County | 14 | $459–$735 | $718 |
| Howard County | 14 | $514–$823 | $805 |
| Hudspeth County | 14 | $481–$771 | $753 |
| Hunt County | 14 | $551–$883 | $863 |
| Hutchinson County | 14 | $526–$842 | $823 |
| Irion County | 14 | $880–$1,409 | $1,377 |
| Jack County | 14 | $459–$734 | $718 |
| Jackson County | 14 | $525–$841 | $822 |
| Jasper County | 14 | $459–$735 | $718 |
| Jeff Davis County | 14 | $481–$771 | $753 |
| Jefferson County | 14 | $459–$735 | $718 |
| Jim Hogg County | 14 | $574–$919 | $898 |
| Jim Wells County | 14 | $477–$764 | $747 |
| Johnson County | 14 | $528–$846 | $827 |
| Karnes County | 14 | $525–$841 | $822 |
| Kendall County | 14 | $455–$728 | $712 |
| Kenedy County | 14 | $525–$840 | $821 |
| Kerr County | 14 | $455–$728 | $712 |
| Kimble County | 14 | $880–$1,409 | $1,377 |
| King County | 14 | $531–$849 | $830 |
| Kinney County | 14 | $455–$728 | $712 |
| Kleberg County | 14 | $477–$764 | $747 |
| La Salle County | 14 | $455–$728 | $712 |
| Lamar County | 14 | $525–$840 | $821 |
| Lamb County | 14 | $531–$849 | $830 |
| Lampasas County | 14 | $508–$813 | $795 |
| Lavaca County | 14 | $525–$841 | $822 |
| Lee County | 14 | $450–$720 | $704 |
| Leon County | 14 | $447–$716 | $700 |
| Liberty County | 14 | $468–$749 | $733 |
| Lipscomb County | 14 | $526–$842 | $823 |
| Live Oak County | 14 | $477–$764 | $747 |
| Llano County | 14 | $450–$720 | $704 |
| Loving County | 14 | $514–$823 | $805 |
| Lubbock County | 14 | $531–$849 | $830 |
| Lynn County | 14 | $531–$849 | $830 |
| Madison County | 14 | $447–$716 | $700 |
| Marion County | 14 | $512–$819 | $800 |
| Martin County | 14 | $514–$823 | $805 |
| Mason County | 14 | $880–$1,409 | $1,377 |
| Matagorda County | 14 | $465–$745 | $728 |
| Maverick County | 14 | $455–$728 | $712 |
| McCulloch County | 14 | $880–$1,409 | $1,377 |
| McMullen County | 14 | $574–$919 | $898 |
| Medina County | 14 | $455–$728 | $712 |
| Menard County | 14 | $880–$1,409 | $1,377 |
| Midland County | 14 | $514–$823 | $805 |
| Milam County | 14 | $447–$716 | $700 |
| Mills County | 14 | $508–$813 | $795 |
| Montague County | 14 | $459–$734 | $718 |
| Montgomery County | 15 | $456–$749 | $720 |
| Moore County | 14 | $526–$842 | $823 |
| Morris County | 14 | $525–$840 | $821 |
| Motley County | 14 | $531–$849 | $830 |
| Nacogdoches County | 14 | $459–$735 | $718 |
| Navarro County | 14 | $551–$883 | $863 |
| Newton County | 14 | $459–$735 | $718 |
| Nueces County | 14 | $477–$764 | $747 |
| Ochiltree County | 14 | $526–$842 | $823 |
| Oldham County | 14 | $526–$842 | $823 |
| Orange County | 14 | $459–$735 | $718 |
| Palo Pinto County | 14 | $528–$846 | $827 |
| Panola County | 14 | $512–$819 | $800 |
| Parker County | 14 | $528–$846 | $827 |
| Parmer County | 14 | $526–$842 | $823 |
| Pecos County | 14 | $514–$823 | $805 |
| Polk County | 14 | $459–$735 | $718 |
| Potter County | 14 | $526–$842 | $823 |
| Presidio County | 14 | $481–$771 | $753 |
| Rains County | 14 | $496–$795 | $777 |
| Randall County | 14 | $526–$842 | $823 |
| Reagan County | 14 | $880–$1,409 | $1,377 |
| Real County | 14 | $455–$728 | $712 |
| Red River County | 14 | $525–$840 | $821 |
| Reeves County | 14 | $514–$823 | $805 |
| Refugio County | 14 | $477–$764 | $747 |
| Roberts County | 14 | $526–$842 | $823 |
| Robertson County | 14 | $447–$716 | $700 |
| Rockwall County | 14 | $551–$883 | $863 |
| Rusk County | 14 | $512–$819 | $800 |
| Sabine County | 14 | $459–$735 | $718 |
| San Augustine County | 14 | $459–$735 | $718 |
| San Jacinto County | 14 | $459–$735 | $718 |
| San Patricio County | 14 | $477–$764 | $747 |
| San Saba County | 14 | $508–$813 | $795 |
| Schleicher County | 14 | $880–$1,409 | $1,377 |
| Shelby County | 14 | $459–$735 | $718 |
| Sherman County | 14 | $526–$842 | $823 |
| Smith County | 14 | $496–$795 | $777 |
| Somervell County | 14 | $528–$846 | $827 |
| Starr County | 14 | $530–$847 | $829 |
| Sterling County | 14 | $880–$1,409 | $1,377 |
| Sutton County | 14 | $880–$1,409 | $1,377 |
| Swisher County | 14 | $526–$842 | $823 |
| Tarrant County | 14 | $528–$846 | $827 |
| Terrell County | 14 | $514–$823 | $805 |
| Terry County | 14 | $531–$849 | $830 |
| Titus County | 14 | $525–$840 | $821 |
| Tom Green County | 14 | $880–$1,409 | $1,377 |
| Travis County | 14 | $450–$720 | $704 |
| Trinity County | 14 | $459–$735 | $718 |
| Tyler County | 14 | $459–$735 | $718 |
| Upshur County | 14 | $512–$819 | $800 |
| Upton County | 14 | $514–$823 | $805 |
| Uvalde County | 14 | $455–$728 | $712 |
| Val Verde County | 14 | $455–$728 | $712 |
| Van Zandt County | 14 | $496–$795 | $777 |
| Victoria County | 14 | $525–$841 | $822 |
| Walker County | 14 | $468–$749 | $733 |
| Waller County | 14 | $465–$745 | $728 |
| Ward County | 14 | $514–$823 | $805 |
| Webb County | 14 | $574–$919 | $898 |
| Wharton County | 14 | $465–$745 | $728 |
| Wheeler County | 14 | $526–$842 | $823 |
| Willacy County | 14 | $525–$840 | $821 |
| Williamson County | 14 | $450–$720 | $704 |
| Wilson County | 14 | $455–$728 | $712 |
| Winkler County | 14 | $514–$823 | $805 |
| Wise County | 14 | $528–$846 | $827 |
| Wood County | 14 | $496–$795 | $777 |
| Yoakum County | 14 | $531–$849 | $830 |
| Young County | 14 | $459–$734 | $718 |
| Zapata County | 14 | $574–$919 | $898 |
| Zavala County | 14 | $455–$728 | $712 |
Other insurers in Texas
- Sendero Health Plans Silver $625/mo
- Community First Silver $644/mo
- CHRISTUS Health Plan Silver $664/mo
- Harbor Health Silver $693/mo
- Imperial Health Plan Silver $716/mo
- Oscar Health Silver $730/mo
- Community Health Choice Silver $734/mo
- Molina Healthcare Silver $740/mo
- Ambetter (Centene) Silver $743/mo
- Wellpoint (Elevance Health) Silver $767/mo
- Baylor Scott & White Health Plan Silver $775/mo
- Blue Cross and Blue Shield of Texas Silver $882/mo
- Moda Health Silver $920/mo
- Cigna Healthcare Silver $983/mo
All Texas prices · Sorted by typical Silver price.
Frequently asked questions
How much does UnitedHealthcare health insurance cost in Texas?
For plan year 2026, UnitedHealthcare marketplace plans in Texas cost $447 to $1,409 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $527, Silver $795, Gold $692. Prices depend on the county.
What is the cheapest UnitedHealthcare plan in Texas?
UHC Bronze Essential ($0 Virtual Urgent Care) (Bronze), from $447 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does UnitedHealthcare sell marketplace plans in Texas?
In 218 of Texas's 254 counties, including Anderson County, Andrews County, Angelina County, Aransas County, Armstrong County, Atascosa County and others.
How do I buy a UnitedHealthcare plan in Texas?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for Texas, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.