- 8carriers selling 2027 marketplace plans in Dallas County
- 137plans on the Dallas shelf, from 32 bronze to 49 gold
- $748benchmark silver for a 40 year old in Dallas, full price per month
Who sells marketplace plans in Dallas County
Eight companies sell in Dallas, against nine in the busiest Texas county I track and three in the thinnest. No single company dominates Dallas County, where the largest lineup is 28 plans (Oscar) and the smallest is 4 (Harbor Health).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| OscarOscar Insurance Company | 28 | 7 | 11 | 10 | EPO 14, HMO 14 |
| Ambetter from Superior HealthPlan | 24 | 4 | 12 | 8 | EPO 17, HMO 7 |
| Blue Cross and Blue Shield of Texas | 23 | 6 | 7 | 7 | HMO 14, POS 9 |
| Wellpoint | 23 | 8 | 7 | 7 | HMO 14, POS 9 |
| UnitedHealthcare | 15 | 5 | 5 | 5 | HMO 15 |
| Molina Healthcare | 12 | 0 | 5 | 7 | HMO 12 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 8 | 2 | 2 | 3 | HMO 8 |
| Harbor Health New for 2027 | 4 | 0 | 2 | 2 | HMO 4 |
Dallas plan counts from the CMS 2027 landscape file (county FIPS 48113, Rating Area 8). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Dallas County for 2027
Cigna and Baylor Scott and White Health Plan together sold 21 of the 138 plans in Dallas County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. New in Dallas for 2027: Harbor Health. Dallas now has eight carriers and 137 plans, against nine carriers and 138 plans in 2026.
What it costs in Dallas County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Dallas plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Dallas pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $395 | $505 | $1,072 | $1,010 | $1,614 |
| Lowest silver | $584 | $747 | $1,585 | $1,493 | $2,387 |
| Benchmark silver (second lowest) | $585 | $748 | $1,588 | $1,496 | $2,391 |
| Lowest gold | $496 | $634 | $1,346 | $1,267 | $2,026 |
Benchmark silver is the second lowest of the 51 silver premiums listed for Dallas. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Dallas County
The gold row is the surprise in Dallas County. The cheapest gold plan for a 40 year old, $634 a month, is $113 cheaper than the cheapest silver plan at $747. That happens because Texas carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Dallas shelf, and a gold deductible here tops out at $2,750.
In Dallas County the benchmark is $243 above the cheapest bronze at age 40, and 19 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $748 benchmark minus what the government expects you to pay from your income. A 40 year old in Dallas whose expected share is $243 a month or less would pay nothing for the cheapest bronze. At 60 the Dallas gap grows to $516 and at 21 it shrinks to $190, which is why older enrollees are the ones most likely to find a $0 plan.
Dallas County and Collin County share Rating Area 8, so the same plan costs the same in both, but the menus differ enough that the cheapest bronze and the benchmark do not line up. What differs is the menu, 137 plans in Dallas against 111 in Collin. Molina Healthcare sells in Dallas but not in Collin. Oscar offers 28 plans in Dallas and 14 in Collin, a sign its networks do not cover both counties the same way.
Dallas plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 5 | 0 | |
| Bronze | 2 | 0 | $9,500 to $11,750 |
| Expanded Bronze | 30 | 3 | $0 to $11,750 |
| Silver | 51 | 0 | $1,850 to $9,000 |
| Gold | 49 | 7 | $0 to $2,750 |
| Total | 137 | 10 |
There is not a single PPO on the 2027 marketplace in Dallas County. The 137 plans split into 88 HMO, 31 EPO and 18 POS. Outside emergencies, the 31 EPO and 88 HMO plans in Dallas generally pay nothing out of network, so the network list matters more than the premium. 10 plans in Dallas have a $0 medical deductible (7 gold and 3 expanded bronze). The 3 bronze ones among them still have out of pocket maximums of $10,600 to $12,000, so a $0 deductible does not mean a small bill.
Every Dallas price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Dallas the premium tax credit is measured against the $748 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Dallas numbers for you.
2027 plans for Dallas County
These are the 2027 plans and prices for Dallas County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Texas runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Dallas plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Dallas County coverage
How many health insurance companies sell marketplace plans in Dallas County, Texas?
For 2027, eight carriers sell individual marketplace plans in Dallas County: Oscar, Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Molina Healthcare, Imperial Insurance Companies and Harbor Health. Together they offer 137 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Dallas County?
At full price before any subsidy, the cheapest bronze plan in Dallas County is $395 a month for a 21 year old, $505 at 40 and $1,072 at 60. In Dallas a couple both aged 40 pays $1,010 for the cheapest bronze, and two 40 year olds with two children pay $1,614. Catastrophic plans in Dallas, open only to people under 30 or with a hardship exemption, start at $369 at age 21. Most people in Dallas who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Dallas County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $748 a month for a 40 year old in Dallas County before subsidies. In Dallas it is $585 at age 21 and $1,588 at age 60, and the lowest silver plan is $747 at 40.
Which insurance companies left Dallas County for 2027?
Cigna and Baylor Scott and White Health Plan sold 21 plans in Dallas County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Oscar, Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Molina Healthcare and Imperial Insurance Companies. New for 2027: Harbor Health.
Can I get a PPO plan in Dallas County?
Not on the 2027 marketplace. All 137 plans in Dallas County are HMO, EPO or POS plans. 10 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Dallas is $634 a month before subsidies.
More for Dallas County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Dallas compares with the other 78 counties and parishes I track
- Estimate a Dallas subsidy
Get your Dallas County quote
Send me your ZIP and who needs coverage and I will compare every Dallas plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Dallas County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines