How Much Does Health Insurance Cost in Houston, TX?
Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$384 – $768
-4% vs national average
$384$576$768
LowNational avg: $600High
Houston vs State & National Average
| Category | Houston | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $576 | $577 | $600 |
| Low estimate | $384 | $433 | $450 |
| High estimate | $768 | $750 | $780 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $400 | $480 | |
| Average | $540 | $660 | |
| High estimate | $640 | $800 |
Health Insurance in Nearby Cities
Frequently Asked Questions
How much does health insurance cost in Houston?
In Houston, TX, health insurance typically costs between $384 and $768. The average is $576, which is 4% below the national average.
Is Houston expensive for health insurance?
Houston has a cost-of-living index of 96 (100 = national average). Health Insurance costs are 4% lower than the national average of $600.
What factors affect health insurance costs in Houston?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Houston's overall cost of living (index: 96/100). Prices can also vary by season and specific requirements.