Health insurance help for Texas residents
Compare Medicare, health insurance marketplace plans and Medicaid in Texas, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Texas
Texas Medicaid is run by the Texas Health and Human Services Commission, and Texas uses the federal HealthCare.gov Marketplace rather than a state-run exchange. Texas Medical Insurance is free to use for Texas callers working through Medicare, ACA, life, or supplemental coverage questions.
- Texas Medicaid and CHIP are administered by the Texas Health and Human Services Commission (HHSC) -- HHSC is the agency to know if your Medicaid or CHIP eligibility changed.
- Texas does not run its own ACA exchange, so Texas marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
- Free Medicare counseling is available in Texas through HICAP (Health Information, Counseling and Advocacy Program) at 800-252-9240, separate from Texas Medical Insurance's own free phone help.
Worth knowing: Texas has not expanded Medicaid to all low-income adults, so Texas Medicaid eligibility rules can differ meaningfully from states that did expand -- worth confirming directly with HHSC or by phone rather than assuming another state's rules apply.
Coverage questions we help Texas residents with
Texas by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Texas you live. Start with your county.
Major Texas cities
Texas colleges and universities
- University of Texas at Austin
- Texas A&M University
- University of Houston
- Texas Tech University
- University of North Texas
- Texas State University
State bird: Northern Mockingbird
Mimus polyglottos. Texas’s official state bird, shown here as a local touch.
Photo: Klaus Rassinger (CC BY-SA 3.0), via Wikimedia CommonsCommon Texas questions
Where do I shop for ACA health plans in Texas?
Texas residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/texas/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Texas?
Medicaid in Texas is run through Texas Health and Human Services Commission (HHSC) (https://www.hhs.texas.gov/services/health/medicaid-chip). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Texas?
Texas Department of Insurance (TDI) (https://www.tdi.texas.gov/consumer/) regulates insurance companies and agents in Texas. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Texas?
Yes. Texas HICAP (Health Information, Counseling and Advocacy Program) (800-252-9240) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Texas Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Texas coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.