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Individual and Family

Your 2026 Texas Individual Health Insurance

Are you looking for an Affordable Care Act (ACA) plan in Texas? Explore your options with BCBSTX. If you recently went through a big life change, you might be able to enroll today.

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What are BCBSTX's benefits?

From covered care to mobile apps, start exploring the benefits BCBSTX individual and family plan members have.

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Overview

How can I learn more about my BCBSTX health insurance?

You can learn more about your BCBSTX ACA plan by reviewing plan options and benefits, provider networks, prescription coverage, and member resources. Here, you can find more information about:

  • BCBSTX's individual and family plans
  • Special Enrollment and how you might be able to apply today
  • Your online member account
  • How to search for in-network care
  • Your prescription benefits and covered drugs, and more.

What are BCBSTX's individual and family plan options?

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℠.

Start Comparing Plans
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Blue Advantage

An HMO plan available in the Chicagoland area, in collaboration with the Advocate Health Care system. HMO plans are often more affordable than PPO plans.

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Blue Advantage Plus

Your statewide PPO option, with wider networks and more care options. Between the network size and the PPO coverage, this plan offers you more flexibility.

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MyBlue Health

An HMO plan in the Chicago area, Rockford and Peoria, giving you dedicated care from your chosen medical group and lower costs than a PPO plan.

Start Comparing Plans
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Special Enrollment: Get Health Insurance After Major Life Events

After going through big life changes, like getting married, moving or losing a job, you can enroll in a new health insurance plan through Special Enrollment. If you've gone through your life event within the past 60 days, you may even be able to enroll today:

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What can I do with my BCBSTX member account?

Your secure BCBSTX member account is your on-the-go resource to use your coverage, explore your benefits and track your claims and spending. After registering for a plan, you can:

  • Search for in-network care
  • Access your digital member ID card
  • Track your annual deductible and out-of-pocket maximum spending
  • Find out the status of current and past claims
  • Check your benefits and coverage

Want even easier access? Download the BCBSTX App to access these resources anytime, anywhere.

Log In or Sign Up
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Is my doctor covered? Find in-network options.

Search for in-network doctors, specialists and other providers specific to your plan, ZIP code and care needs. Every county across the state of Texas has providers who are part of BCBSTX networks. Visit our Provider Finder™ search tool to get started.

Need care now and not sure where to start? Know which options fit your symptoms — and budget — with our Care Options Guide.

Start Searching

Does my health insurance plan cover my prescription?

All BCBSTX individual and family plans have prescription coverage, but the exact medicines covered depend on your drug list. Search our 2026 drug lists, learn how to save on your prescriptions and explore your phramacy benefits.

Explore Your Pharmacy Benefits

Resources

Explore Member Resources

Why should I choose BCBSTX?

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Quality Care Options

Get easier access to in-network care and savings with our provider networks.

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Wellness Programs and Support

Join wellness programs like Well onTarget®, get coaching and earn Blue Points℠ rewards for healthy choices.1

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Levels of Cost and Care

Each of our plans are offered at Gold, Silver and Bronze levels to meet your budget and care needs.

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Essential Benefits Covered

Essential benefits, like hospital care or prescription coverage, are always included — some costing as low as $0.

FAQs

Frequently Asked Questions About Individual Coverage

1 Well onTarget and AlwaysOn are owned and operated by Onlife Health Inc. an independent company that provides digital health management for members with coverage through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma and Texas. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.

Blue Points Program Rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal at wellontarget.com for further information. The Well onTarget member rewards redemption services is provided by an independent third party.