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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.

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Already a BCBSTX Member?

Review your 2027 coverage options and get ready to renew your plan.

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Overview

What can I compare before 2027 Open Enrollment begins?

You can start reviewing 2027 BCBSTX plan options before enrollment begins. Compare how plans work, which doctors and hospitals are in network, prescription coverage and other benefits to help narrow down your options.


  • Plan types and Bronze, Silver and Gold metallic levels
  • Provider networks and in-network care
  • Plan benefits and member resources
  • Open Enrollment information and next steps

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℠.

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Blue Advantage

An HMO plan available in every Texas county. HMO plans are often more affordable than PPO plans.

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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.

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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.

Why Choose BCBSTX?

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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.
 

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Wellness Programs and Support

We offer our members’ different types of wellness enhancements, ranging from rewards programs, behavioral health, maternal, prescription discounts and more!

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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.

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Enrollment Guidance

With our excellent customer service, we’ll guide you through the process - whether you prefer a human connection or a digital one.

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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.

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How can I check if my doctor is in a 2027 plan network?

Use Provider Finder™ to search for doctors, specialists and hospitals in BCBSTX plan networks. Search by ZIP code and care needs, then review the network for any plan you're considering.

Checking your preferred doctors and hospitals before choosing a plan can help you compare your options.

Not sure where to start? Use our Care Options Guide.

How can I compare prescription coverage for 2027?

BCBSTX individual and family plans include prescription drug coverage, but covered medications can vary by drug list. Review the 2027 drug list and pharmacy benefits when they are available to see how your prescriptions may be covered.

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.

Find out how to make your plan more affordable

Resources

Explore Member Resources

FAQs

Frequently Asked Questions About Individual Coverage