A major individual-insurance market
Private PPO coverage in Texas
Texas has the largest population of self-employed and independent workers of any state, and one of the biggest individual insurance markets in the country. When enhanced subsidies ended after 2025, unsubsidized Texans saw 2026 premiums climb steeply. We compare every option you qualify for and show you the real monthly cost of each.
The Texas picture
Texas is consistently one of the largest HealthCare.gov states by enrollment, and most marketplace plans in its big metros are HMOs with local networks. Shoppers who want broader PPO-style access often have to look beyond the exchange.
For healthy Texas households paying full price after the 2026 subsidy changes, medically underwritten private PPO plans are often the meaningful alternative: enrollment any month of the year, nationwide networks, and premiums based on your health rather than a one-size-fits-all pool. They're not for everyone — underwriting means approval isn't guaranteed — which is exactly why the conversation starts with an honest eligibility read, not an application.
Where we help in Texas
Houston · Dallas-Fort Worth · Austin · San Antonio — and every small town between.
Common Texas clients
See what families pay in Texas
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Fair-play note
If your income qualifies you for meaningful marketplace subsidies in Texas, or your health history makes underwriting unrealistic, an ACA plan is likely your better road — and your advisor will say so plainly.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
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