With BCBSTX, we offer HMO plans to fit your care and budget needs, all with Gold, Silver or Bronze metallic level options. Compare the different costs and benefits of Blue Advantage℠, Blue Advantage Plus℠ and MyBlue Health℠.
Individual and Family
Texas Individual and Family Health Insurance 2027
Open Enrollment begins November 1 for Individual and Family Health Insurance in Texas. Compare BCBSTX health plans, provider networks, prescription drug coverage, costs, and benefits so you’re ready to choose the coverage that best meets your needs.
Already a BCBSTX Member?
Review your 2027 coverage options and get ready to renew your plan.
What are BCBSTX's individual and family plan options?
Blue Advantage
An HMO plan available in every Texas county. HMO plans are often more affordable than PPO plans.
Blue Advantage Plus
Your statewide Point of Service (POS) option, with wider networks and more care options. Between the lower expenses of an HMO plan with the network flexibility of a PPO plan, find a balance between costs and care options.
MyBlue Health
An HMO plan in the metro areas of Texas, giving you dedicated care from your chosen medical group and lower costs than a PPO plan.
Find Your Fit with Metallic Level Plans
Health care needs are different for everyone. Maybe you want to save more in 2027 or need a little extra care. We have plans that fit every family.
- Gold Level
- Silver Level
- Bronze Level
Why Choose BCBSTX?
Network and Care
BCBSTX's strength, trustworthiness and broad physician network combined with customer care. With a wide variety of plans available, it’s easy to find the right plan.
Wellness Programs and Support
We offer our members’ different types of wellness enhancements, ranging from rewards programs, behavioral health, maternal, prescription discounts and more!
Benefits of Coverage
All plans cover prescription drugs and mental health services. Plus, your yearly checkup, and 25 other preventive care screenings are available at no additional cost.
Enrollment Guidance
With our excellent customer service, we’ll guide you through the process - whether you prefer a human connection or a digital one.
Cost and Savings
What health insurance costs should I compare?
Look beyond the monthly premium when comparing 2027 plans. Review the deductible, copays, coinsurance and out-of-pocket maximum to understand what you may pay when you use your coverage
- Premium: The amount you pay each month to keep your health coverage active.
- Deductible: The amount you generally pay for covered care before your plan begins sharing certain costs.
- Copay: A fixed dollar amount you may pay for covered care.
- Coinsurance: A percentage of the cost of covered care that you may pay.
- Out-of-pocket maximum: The most you pay for covered in-network care during the plan year before your plan pays 100% of covered costs, subject to plan terms.
Can I get help paying for 2027 health insurance and how do I know if I qualify for assistance?
You may qualify for financial help to lower your monthly payments, such as a premium tax credit, based on eligibility. The amount of financial help you qualify for may change, so review current income and household information when you’re ready to apply.
Resources
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FAQs