Health insurance plans in Lubbock County, Texas (2027)

• 3carriers selling 2027 marketplace plans in Lubbock County
• 56plans on the Lubbock shelf, from 17 bronze to 18 gold
• $922benchmark silver for a 40 year old in Lubbock, full price per month

Who sells marketplace plans in Lubbock County

Lubbock County has the thinnest carrier lineup of the Texas counties on my list, three companies. Wellpoint alone accounts for 23 of the 56 plans in Lubbock, 41 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Lubbock plan counts from the CMS 2027 landscape file (county FIPS 48303, Rating Area 14). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What changed in Lubbock County for 2027

What it costs in Lubbock County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Lubbock 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 Lubbock pay less, often a lot less.

Benchmark silver is the second lowest of the 18 silver premiums listed for Lubbock. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Lubbock County

The gold row is the surprise in Lubbock County. The cheapest gold plan for a 40 year old, $786 a month, is $124 cheaper than the cheapest silver plan at $910. 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 Lubbock shelf, and a gold deductible here tops out at $2,500.

In Lubbock County the benchmark is $363 above the cheapest bronze at age 40, the widest gap of the 79 counties and parishes I track. That gap decides whether bronze can be free, because your subsidy is the $922 benchmark minus what the government expects you to pay from your income. A 40 year old in Lubbock whose expected share is $363 a month or less would pay nothing for the cheapest bronze. At 60 the Lubbock gap grows to $771 and at 21 it shrinks to $284, which is why older enrollees are the ones most likely to find a $0 plan.

No other county on my list is close enough to Lubbock County to compare, so here is where it sits among the 15 Texas counties I track. Its benchmark is the 12th lowest of the 15 and its cheapest bronze is the 12th lowest. Lubbock has three carriers, where the busiest county has nine.

Lubbock plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Lubbock County. The 56 plans split into 38 HMO and 18 POS. Outside emergencies, the 38 HMO plans in Lubbock generally pay nothing out of network, so the network list matters more than the premium. 4 plans in Lubbock have a $0 medical deductible (2 expanded bronze and 2 gold). The 2 bronze ones among them still have out of pocket maximums of $10,600, so a $0 deductible does not mean a small bill.

2027 plans for Lubbock County

These are the 2027 plans and prices for Lubbock 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 Lubbock plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Lubbock County coverage

More for Lubbock County residents

• Health insurance brokers in Texas, how to choose one and what it costs
• Every 2027 carrier change in Texas
• How Lubbock compares with the other 78 counties and parishes I track
• Estimate a Lubbock subsidy