Ranked 12 of 15 states · median $807/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old mortgage broker in Texas pays a median $807/month for a Silver plan before subsidies — 12th of 15 on cost. The cheapest plan in the state is $540 from Blue Cross and Blue Shield of Texas in Cameron. On counties covered, Texas ranks 1 of 15 for this occupation.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: Sedentary and high-stress cycles tied to rate swings.
Worth being clear about what this does and does not affect: a carrier in Texas cannot ask what you do for a living, cannot charge a mortgage broker more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a mortgage broker in one Texas county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Roberts | $796 | Blue Cross and Blue Shield of Texas | $4,000 | 3 |
| Duval | $883 | UnitedHealthcare | $6,000 | 2 |
| Runnels | $894 | Ambetter from Superior HealthPlan | $6,000 | 3 |
| Hardeman | $913 | Blue Cross and Blue Shield of Texas | $4,000 | 1 |
| Mason | $920 | Ambetter from Superior HealthPlan | $6,000 | 3 |
| Crockett | $953 | Blue Cross and Blue Shield of Texas | $4,000 | 2 |
The spread across just these six is $157/month — $1,880 a year for the same metal tier. Statewide the range runs $540 to $1,409. Coverage by County publishes all 254 Texas counties individually.
| Texas — network reach | 2026 |
|---|---|
| Counties in the state | 254 |
| Counties with only one carrier | 7 (3%) |
| Plan types available | EPO, HMO, POS |
| PPO available on exchange | No |
| Carriers filing in the state | 15 |
| Cheapest Silver @40 | $540 — Cameron |
Texas has no PPO plans on the exchange at all. For a mortgage broker covering distance, that single fact outweighs premium: 7 of 254 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 13,013 plan records across 254 Texas counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Kansas ($765), Florida ($789), Utah ($805). More expensive: North Carolina ($828), Arkansas ($828), Nebraska ($875).
Side-by-side: Texas vs Florida · Texas vs Utah · Texas vs North Carolina · Texas vs Arkansas
Cross-state numbers are useful for understanding whether Texas is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a mortgage broker weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
If you file a Schedule C as a mortgage broker, the categories that usually show up are: Licensing, CRM, E&O insurance, lead costs. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Texas is $540 per month from Blue Cross and Blue Shield of Texas, with a state median of $807. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
It cannot happen on an exchange plan. Rating in Texas uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
No. Only EPO and HMO and POS plans were filed for 2026.
Texas ranks 12 of 15 states covered here, at a median $807 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
This page compares states. For Texas specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Mortgage Brokers in Texas and a blog covering deductibles, subsidies and special enrollment.