Cheapest (and Best) Health Insurance in San Antonio, TX (2024)

Your health insurance cost is affected by the plan type, your age, location and health care needs. MoneyGeek examined market data to identify which companies in San Antonio provide affordable health insurance. We also weighed monthly costs, plan options, maximum out-of-pocket (MOOP) expenses and claims denial rates to select the city's best health insurance providers.

It is wise to shop around for health insurance because not all companies offer the same metal tiers or plan types. If there's only one provider in your area, compare its plans and metal tiers to ensure you get the best deal.

To find the best insurance companies in San Antonio, MoneyGeek considered factors like cost, available plans and service quality. Ambetter from Superior Health Plan tops our list. Its Silver plans average $552 per month with a MOOP of $4,888. Ambetter is our runner-up with Silver plans averaging $564 monthly with a MOOP cost of $4,314.

Affordability matters, but also consider factors like plan options and service quality. If you live in another area of the state, you can find the best health insurance in Texas by looking for a company that meets the essential criteria.

Ambetter offers San Antonio’s best affordable health insurance with a monthly premium of $453 and a MOOP of $4,386. Health insurance costs differ between states and cities, so another insurer could offer Texas’s best cheap health insurance. Your premium depends on how you and your insurer split health care costs. MOOP costs are usually lower in plans with higher monthly premiums.

Keep in mind that the cheapest health insurance may not always be your best bet. Learning about metal tiers and the relationship between plan premiums and MOOP costs can help you find the ideal health insurance. Likewise, reading about deductibles, copayments and co-insurance can help you comprehend the policy's costs.

Ambetter from Superior Health Plan has the cheapest Silver plan, averaging $543 per month with a MOOP of $4,400. Note that the cheapest health insurance is not always the best option. However, if cost is your top priority, Silver plans provide mid-tier coverage and cost-sharing reductions.

The metal system is divided into Catastrophic, Bronze, Silver, Gold and Platinum. Bronze plans have the lowest premiums and the highest MOOPs. Higher metal tier plans, such as Platinum and Gold, have higher premiums and lower MOOP costs. They also provide more services.

The table below lists San Antonio's cheapest metal tier providers and their average monthly premiums. We omitted Catastrophic plans as they are only available to persons under 30.

Depending on the metal tier, the cheapest health insurance plans in San Antonio can have monthly premiums between $300 and $450. Ambetter from Superior Health Plan’s Virtual Access Silver plan is the most affordable Silver plan in San Antonio, costing around $543 per month.

The following table lists the San Antonio plans with the cheapest average monthly premiums by metal level. We did not include Catastrophic plans because they are only available to those under 30.

Insurers consider age when determining your health insurance rates, charging more the older you are. To be eligible for a Catastrophic plan, you must be under 30. After Catastrophic plans, Bronze or Expanded Bronze plans are the cheapest.

Choosing a lower-cost plan can save you money on monthly premiums. However, familiarize yourself with the provider’s coverage and network to avoid paying for treatments that aren't covered. In the table below, we've compiled some of the most affordable Silver plan providers in San Antonio.

Age and metal tier have the most significant impact on your health insurance costs. The graph below illustrates the cost of health insurance by age and metal tier.

You could be eligible for a health insurance subsidy based on your income. Generally, eligibility ranges from 100% to 400% of the FPL. The American Rescue Plan Act and the Inflation Reduction Act increased the income threshold to 400% of the FPL.

For those who qualify, Medicare and Medicaid offer cheap health coverage. Your age may preclude you from Medicare, but if your income is between 100% and 150% of the FPL, you may be eligible for Medicaid or the Children's Health Insurance Program (CHIP). Keep in mind that each state has different minimum income criteria.

We've answered frequently asked questions concerning health insurance in San Antonio.