Cheapest (and Best) Health Insurance in Fort Worth, TX (2023)

When you buy health insurance, the amount you pay can depend on where you live, how old you are, the kind of plan you have and how many people it covers. In Fort Worth, MoneyGeek researched providers to find the cheapest health insurance plans. We evaluated monthly premiums, maximum out-of-pocket (MOOP) costs and denial rates. Not all companies offer the same plans, so doing your own research is important. If there is only one company where you live, pick the plan that fits you best.

MoneyGeek evaluated the best health insurance companies in Texas and Fort Worth specifically. Ambetter from Superior Health Plan is the best overall company offering a combination of cost, plan options and customer service. Its Silver plans have an average premium of $521 per month and a MOOP of $4,550.

The runner-up is Cigna, with an average premium of $460 per month and a MOOP of $5,045 for Silver plans. However, cost should not be the sole concern when choosing health insurance. Plan selections, cost-sharing options and customer service are also important.

MoneyGeek determined that Ambetter from Superior Health Plan offers the best and cheapest medical insurance in Fort Worth. Monthly premiums average $521, with a MOOP of $4,550. However, keep in mind that your health insurance premiums depend on how you share costs with the insurance company, and average health insurance costs can vary based on where you live.

The cheapest health insurance company may not necessarily be the best for everyone. You should also consider deductibles, copays and co-insurance when reviewing health insurance pricing. Understanding the Marketplace metal system can also be helpful. MoneyGeek reviewed the cheapest health insurance in Texas if you want to consider other options.

Baylor Scott and White Health Plan is the least expensive provider in Fort Worth, TX, with a Silver plan costing an average of $453 per month. However, the least expensive policy may not always be the best. Silver plans are a good middle-of-the-road option that often offers discounts, but keep in mind that lower premiums usually mean higher MOOP costs.

The metal system has four levels: Bronze, Silver, Gold and Platinum. Bronze plans usually have the lowest monthly premiums. Catastrophic plans are less expensive than Bronze plans, but they're only available to people under 30 and don't cover many services.

The table below shows the average plan costs of the least expensive providers in Fort Worth by metal level, except for Catastrophic plans.

The BSW Prime Silver HMO 003 plan from Baylor Scott and White Health Plan is the cheapest Silver plan for a 40-year-old, with an average monthly premium of $435. The following table shows the average plan costs of the cheapest providers by metal tier in Fort Worth, excluding Catastrophic plans, which are only available to those under 30.

Age plays a big part in how much you'll pay for health insurance, no matter where you live. As you get older, your expected health care needs increase, and insurance costs go up as a result. If you're after a cheaper plan, Bronze or Expanded Bronze plans are often your best bet. While Catastrophic plans can be less expensive, they're only available to certain age groups. If you're considering a lower-tiered plan, make sure you're comfortable with the network to avoid any surprise costs for out-of-network services. Consult the chart below for some of the best cheap health insurance providers for Silver plans.

Your age and the metal tier you choose are two of the most significant factors affecting health insurance costs. Generally, older individuals pay more for insurance due to their increased health care needs. To give you a better idea of what to expect, take a look at the graph below, which provides examples of costs by metal tier and age.

Financial assistance is available for those who need help paying for health insurance, especially those with low incomes. Usually, this assistance is available for those earning between 100% and 400% of the FPL. However, the income limits for health insurance subsidies in 2023 have been expanded, so those earning more than 400% of the FPL can get financial assistance.

Medicaid and CHIP are also options for those who do not qualify for a subsidy but have low incomes. Medicaid eligibility depends on your state and income, while CHIP is for children from families with too much income to qualify for Medicaid.

We answered commonly asked questions about the best way to find affordable health insurance in Fort Worth.