Buying a health insurance plan is essential because of the expensive medical services, especially in the private sector. If you are an individual, looking for a Texas health insurance plan for yourself and your family or an employer looking for the best possible group health insurance policy for your workplace, the list given below contains the best consumer-rated health insurance plans.

The firms providing these health plans are Texas health insurance companies.

List of Health Insurance Plans in Texas

These are the best-rated plans based on clinical quality, patient satisfaction, and NCQA accreditation. The plans listed below emphasize the result of the care the people receive and what the patients say about their care.

Aetna Health Inc.

Aetna Health Inc. was founded in the year 1853 in Hartford and is committed to serving the needs of individuals, employers, health care professionals, producers, and others with their healthcare products, and services. The goal of the company is to provide improved access to quality health care services.

Community First Health Plans, Inc.

Community First Health Plans, Inc. based in Texas has been providing healthcare services in Bexar County and the neighboring counties for over two decades. The company is determined in providing affordable health coverage for families, children, expectant mothers, and children with special needs.

United Healthcare Services, Inc. Texas

United Healthcare is dedicated to helping people live healthier lives and making the health system work better for everyone by offering health benefits programs for all ages and lifestyles. Together with healthcare professionals, United Healthcare provides services to individuals, employers, and Medicare and Medicaid beneficiaries.

Cigna Health and Life Insurance Company – Texas

The motto of Cigna health and life insurance company is to improve the health, well-being, and peace of mind of its clients by making healthcare services affordable and predictable. Cigna’s values of being more than just a health insurance company are the core of its culture. They provide healthcare service to their clients 24/7.

Blue Cross and Blue Shield of Texas

Blue Cross and Blue Shield of Texas have been offering their services for more than 90 years by forging an alliance with local nonprofit organizations to improve healthcare services at the community level. The company offers sustainable, affordable, and measurable programs to strengthen and enrich the local communities.

Oscar Insurance Company of Texas

Oscar Insurance company believes in providing access to affordable and high-quality health care that fits their clients whether they are families seeking coverage that works for toddlers and their busy parents, adults with chronic conditions, a senior citizen looking for a retirement benefits package, and everyone else. The company started in 2012 aims to provide health care services by relentlessly focusing on serving members.

First Care Health Plans

First Care based out of Texas was founded in Amarillo in 1985 and to this day believes in serving the community and improving the healthcare services. The company is deeply connected with providing exceptional quality of care- from some of the best hospitals, doctors, and health services. The company offers dependable, flexible, and affordable healthcare plans that fit your needs and help you to cope with the rising costs of healthcare.

Types of Health Insurance plans

Having a clear understanding of the types of health insurance policies is a must-have requirement while choosing which policy is best for you.

Preferred Provider Organization Health Insurance Plans

A Preferred provider organization or a PPO encourages its members to use a network of preferred doctors and hospitals. If you use the services of the providers in your plan’s network you will have to pay less. These providers are contracted to provide services at a discounted rate. PPO plans are flexible as it has a wide network of physicians and other providers to choose from.

Health Maintenance Organization Health Insurance Plans

Health maintenance organization plans limit the coverage to the providers who are contracted or work for the HMO. This plan provides less flexibility in the choice of doctors or hospitals. HMOs often provide integrated care and focus on the prevention and wellness of their members. Due to the lesser flexibility, HMOs have a lower premium rate.

Point of Service Health Insurance Plans

Point of Service or POS health insurance plans have the features of both HMO and POP. Members have to choose a primary care physician in their network and if they utilize service rendered or referred by the Primary care physician they have to pay less and receive a higher level of coverage than utilizing service from a non-network provider.

Exclusive Provider Organization Health Insurance Plans

Exclusive Provider Organization or EPO health insurance plans are similar to HMO. The premium rates are lower for the service providers in your network. Your primary care physician will provide referrals to in-network specialists. EPO plans provide you with a network of physicians for lower premium rates.

Indemnity Health Insurance Plans  

Indemnity health plans are known as fee-for-service plans. The members will have to bear the cost out of pocket and will be reimbursed later after they file a claim for the amount. The amount or percentages of cost to be reimbursed is predetermined.

Health Saving Accounts Plans 

A Health Saving Accounts or HSA is a tax-favored savings account that is used in conjunction with a high deductible health plan to pay for the qualifying medical expenses. Unused funds in the accounts roll over each year and accrue interest. The accrued interest is tax-free.

Health Reimbursement Arrangements

Health Reimbursement Arrangements or HRAs allow you to set a monthly allowance cap to sue from. You can choose the health insurance policy that fits your needs, and submit a proof of purchase to be reimbursed.


Choosing the right health insurance policy depends upon your unique needs. There are enough plans on the market and with some research, you can find the plan that best suits you. Also, information about the different types of Texas health insurance plans will help you to choose the right plan if you are an individual or an employer.