Before subsidies, the benchmark silver plan for a 40-year-old in El Paso County cost about $594 a month for 2026, and the Texas average for 2027 is $737 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in El Paso County for 2026.
Brokers in the El Paso area can quote individual, family and self-employed coverage from multiple carriers licensed in Texas. Their commission is built into the premium, so using one doesn't raise your price. Here are 10 brokerages within reach of El Paso.
Health Insurance Brokers near El Paso
Licensed agents can compare plans available in El Paso County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in El Paso
- University Medical Center of El Paso, the El Paso County Hospital District's not-for-profit teaching hospital for Texas Tech's Paul L. Foster School of Medicine and the region's only Level 1 trauma center, is a network worth checking before you pick an El Paso plan; the district also includes El Paso Children's Hospital and UMC outpatient clinics. Source
- The City of El Paso Department of Public Health handles local public health, including immunizations, TB control, STD/HIV prevention, WIC, food inspections and a dental clinic, with some programs reaching across El Paso County. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Texas.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Carriers a El Paso broker can quote
For 2027, marketplace plans in Texas come from 14 insurers: Blue Cross and Blue Shield of Texas, Ambetter (Superior HealthPlan / Celtic), CHRISTUS Health Plan, Community First Health Plans, Community Health Choice, Harbor Health, Imperial Insurance, Moda Health, Molina Healthcare, Oscar Health, Sendero Health Plans, UnitedHealthcare, Wellpoint and Antidote Health. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
How to get ready
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Checking an agent's license in Texas
- The Texas Department of Insurance offers its own online agent lookup, where consumers can check whether an agent is licensed in Texas. Source
- The Texas Department of Insurance (TDI) licenses insurance agents and regulates insurers in the state. Consumers who can't resolve a problem with an insurer or agent can file a complaint with TDI online or by mail. Source
Frequently asked questions
How do I find a good health insurance broker in El Paso?
Look for a broker licensed in Texas who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Texas insurance regulator.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Brokers in nearby cities
- Fort Bliss, TX 3 miles
- Canutillo, TX 11 miles
- Anthony, TX 14 miles
- Homestead Meadows North, TX 15 miles
- Homestead Meadows South, TX 16 miles
- Socorro, TX 18 miles
- Horizon City, TX 18 miles
- San Elizario, TX 21 miles
- Fabens, TX 28 miles
- Pecos, TX 175 miles