Best health Insurance plans in
Texas
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

Get a quote
Market overview
15

Health insurance carriers on the marketplace

220

Plans available on the marketplace

9%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Texas
Plans

Discover the best health plans in Texas

Great Value
Blue Cross and Blue Shield of Texas
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
285.49
/mo
/mo

Blue Advantage Bronze HMO SM 707

Deductible:
In-Network: $7,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $50 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $25 per script / Out-of-Network: Not Covered
Balanced Pick
Oscar
Silver
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
446.47
/mo
/mo

Silver Simple PCP Saver

Deductible:
In-Network: $5,750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $10 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $25 / Out-of-Network: Not Covered
Great Coverage
UnitedHealthcare
Gold
HMO
Great Coverage
Great Coverage
Great Coverage
$
$
508.43
/mo
/mo

UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision)

Deductible:
In-Network: $500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $5 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Texas

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

Do small employers have to offer health insurance in Texas?

Small employers in Texas with fewer than 50 full-time employees are not legally required to offer health insurance. However, businesses that do provide coverage must make it available to all employees working 30+ hours weekly and their dependents.

How much does small business health insurance cost in Texas?

The cost varies based on plan type, coverage details, and employee demographics. On average, premiums for single coverage are approximately $702.92 per month, while family coverage costs around $1,997.33 per month.

What are the Texas-specific regulations for Small Business Health Insurance?

Texas defines small employers as businesses with 2-50 employees. Employers offering insurance must provide it to eligible employees and dependents, and new hires have a 31-day enrollment window.

‍

How can small businesses navigate Affordable Care Act (ACA) compliance in Texas?

Small businesses must offer ACA-compliant plans that meet minimum essential coverage and affordability standards. Compliance includes tracking employee hours, filing IRS forms, and ensuring coverage affordability.

What is the Small Business Health Options Program (SHOP) in Texas and how does it work?

SHOP allows small businesses with 1-50 employees to purchase health insurance anytime during the year. Employers can qualify for tax credits up to 50% of premium costs if they meet eligibility criteria.

‍

Can small businesses in Texas offer different health insurance plans to different employees?

Yes, employers can customize plans based on employee classes using options like Individual Coverage Health Reimbursement Arrangements (ICHRA), allowing flexibility in coverage offerings.

What are the consequences of not providing health insurance for employees in Texas?

Employers with over 50 full-time employees face penalties under the ACA if they fail to provide affordable, minimum-value coverage. Penalties start at $2,570 per employee minus the first 30 employees.

Are there resources or assistance programs available to help small businesses navigate health insurance in Texas?

Resources include SHOP agents, ACA compliance tools, and brokers specializing in group health plans from Venteur-affiliated providers such as Blue Cross Blue Shield of Texas and UnitedHealthcare. Tax credits and reimbursement models like ICHRA also provide financial relief.

Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

Get started
See the platform

Discover the best health plans in Texas

Great Value
Blue Cross and Blue Shield of Texas
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
285.49
/mo
/mo

Blue Advantage Bronze HMO SM 707

Deductible:
In-Network: $7,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $50 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $25 per script / Out-of-Network: Not Covered
Balanced Pick
Oscar
Silver
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
446.47
/mo
/mo

Silver Simple PCP Saver

Deductible:
In-Network: $5,750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $10 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $25 / Out-of-Network: Not Covered
Great Coverage
UnitedHealthcare
Gold
HMO
Great Coverage
Great Coverage
Great Coverage
$
$
508.43
/mo
/mo

UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision)

Deductible:
In-Network: $500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $5 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
15

Health insurance carriers on the marketplace

220

Plans available on the marketplace

9%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Texas