Before subsidies, the benchmark silver plan for a 40-year-old in Harris County cost about $592 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 Harris County for 2026. Below you'll find how coverage works in Katy, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Katy
Licensed agents can compare plans available in Harris County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Katy, TX
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $737/mo before subsidies |
| Harris County benchmark (2026) | $592/mo |
| Plans offered in Harris County (2026) | 121 |
| 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.
A quick checklist
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- 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 Katy?
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 Katy?
Before subsidies, the benchmark silver plan for a 40-year-old in Harris County cost about $592 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 Harris 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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