- 9carriers selling 2026 marketplace plans in Dallas County
- 138plans on the Dallas shelf, from 33 bronze to 51 gold
- $671benchmark silver for a 40 year old in Dallas, full price per month
Who sells marketplace plans in Dallas County
No Texas county on my list has more carriers than Dallas County, with nine (tied with Travis County, Collin County and Williamson County). No single company dominates Dallas County, where the largest lineup is 23 plans (Oscar) and the smallest is 7 (Imperial Insurance Companies).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| OscarOscar Insurance Company | 23 | 6 | 10 | 7 | EPO 12, HMO 11 |
| Blue Cross and Blue Shield of Texas | 22 | 7 | 7 | 7 | HMO 13, POS 9 |
| Wellpoint | 21 | 7 | 7 | 6 | HMO 12, POS 9 |
| Ambetter from Superior HealthPlan | 18 | 0 | 10 | 8 | EPO 12, HMO 6 |
| UnitedHealthcare | 14 | 4 | 5 | 5 | HMO 14 |
| Molina Healthcare | 12 | 0 | 5 | 7 | HMO 12 |
| CignaCigna Healthcare Leaving for 2027 | 11 | 4 | 3 | 4 | HMO 11 |
| Baylor Scott and White Health Plan Leaving for 2027 | 10 | 3 | 3 | 4 | HMO 10 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 7 | 2 | 2 | 3 | HMO 7 |
Dallas plan counts from the CMS 2026 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.
Leaving Dallas County for 2027
Cigna and Baylor Scott and White sell 21 of the 138 plans in Dallas County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. After both exits, seven carriers are left from the 2026 Dallas lineup: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare and Imperial Insurance Companies. If you are enrolled with either company in Dallas, you will get a notice this fall. 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.
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 | $339 | $433 | $920 | $866 | $1,385 |
| Lowest silver | $522 | $667 | $1,417 | $1,335 | $2,134 |
| Benchmark silver (second lowest) | $525 | $671 | $1,425 | $1,342 | $2,145 |
| Lowest gold | $460 | $588 | $1,249 | $1,177 | $1,881 |
Benchmark silver is the second lowest of the 52 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, $588 a month, is $79 cheaper than the cheapest silver plan at $667. 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 $3,300.
In Dallas County the benchmark is $238 above the cheapest bronze at age 40, and only 14 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 $671 benchmark minus what the government expects you to pay from your income. A 40 year old in Dallas whose expected share is $238 a month or less would pay nothing for the cheapest bronze. At 60 the Dallas gap grows to $505 and at 21 it shrinks to $186, 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, and the Dallas cheapest bronze and benchmark match Collin exactly. What differs is the menu, 138 plans in Dallas against 127 in Collin. Oscar offers 23 plans in Dallas and 12 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 | 2 | 0 | |
| Bronze | 3 | 0 | $7,300 to $10,600 |
| Expanded Bronze | 30 | 2 | $0 to $9,000 |
| Silver | 52 | 1 | $0 to $7,500 |
| Gold | 51 | 3 | $0 to $3,300 |
| Total | 138 | 6 |
There is not a single PPO on the 2026 marketplace in Dallas County. The 138 plans split into 96 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 96 HMO plans in Dallas generally pay nothing out of network, so the network list matters more than the premium. 6 plans in Dallas have a $0 medical deductible (3 gold, 2 expanded bronze and 1 silver). The 2 bronze ones among them still have out of pocket maximums of $10,150 to $10,600, 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 $671 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 2026 plans and prices for Dallas County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Dallas numbers then. 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.
Questions about Dallas County coverage
How many health insurance companies sell marketplace plans in Dallas County, Texas?
For 2026, nine carriers sell individual marketplace plans in Dallas County: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare, Cigna, Baylor Scott and White Health Plan and Imperial Insurance Companies. Together they offer 138 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 $339 a month for a 21 year old, $433 at 40 and $920 at 60. In Dallas a couple both aged 40 pays $866 for the cheapest bronze, and two 40 year olds with two children pay $1,385. Catastrophic plans in Dallas, open only to people under 30 or with a hardship exemption, start at $322 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $671 a month for a 40 year old in Dallas County before subsidies. In Dallas it is $525 at age 21 and $1,425 at age 60, and the lowest silver plan is $667 at 40.
Which insurance companies are leaving Dallas County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. In 2026 they sell 21 plans in Dallas County. Seven carriers from the 2026 Dallas lineup remain: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare and Imperial Insurance Companies. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Dallas County?
Not on the 2026 marketplace. All 138 plans in Dallas County are HMO, EPO or POS plans. 6 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Dallas is $588 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 2026 (public use file), Dallas County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- KFF, Tracking insurer participation changes in the ACA marketplaces in 2027
- healthinsurance.org, ACA open enrollment deadlines