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. Keep reading for what's sold in El Paso County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: El Paso, TX
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $737/mo before subsidies |
| El Paso County benchmark (2026) | $594/mo |
| Plans offered in El Paso County (2026) | 110 |
| Plan types | HMO, EPO, POS |
| Marketplace insurers in Texas (2027) | 14 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local 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.
Before you call an agent
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
Free enrollment help in Texas
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Where can I buy health insurance in El Paso?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in El Paso?
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. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Texas Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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