Before subsidies, the benchmark silver plan for a 40-year-old in Polk County cost about $695 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. 3 insurers offered marketplace plans in Polk County for 2026. Keep reading for what's sold in Polk County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Livingston
Licensed agents can compare plans available in Polk County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Livingston, TX
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $737/mo before subsidies |
| Polk County benchmark (2026) | $695/mo |
| Plans offered in Polk County (2026) | 36 |
| Plan types | HMO, 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
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- 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.
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
Which insurers sell marketplace plans in Texas?
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.
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.
How much is health insurance in Livingston?
Before subsidies, the benchmark silver plan for a 40-year-old in Polk County cost about $695 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. 3 insurers offered marketplace plans in Polk County for 2026. A licensed agent can quote your exact price.
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