Health insurance in Harris County, Texas
9 insurers sell 121 marketplace plans here, and 22.8% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
9 insurers competing here
9 insurers sell in Harris County — 121 plans in total, around 13 each. Few people compare 121 plans properly without help. The number has not changed since the previous plan year.
One in six has no coverage
22.8% of Harris County's 4,296,879 under-65 residents have no health coverage — 981,214 people. That is above the Texas rate of 19.1%, and puts Harris County in the top 5% of the 1,817 counties on this site (59th).
Some of those 981,214 are in the Texas coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
The marketplace is used heavily here
731,300 Harris County residents selected a marketplace plan for 2026: 170 per thousand under-65 residents, 243rd of 1,817. That is 2.2× the 78 per thousand typical here. 134,752 of them — 18% — were new rather than renewing.
Harris County against Texas
Harris County is the largest of the 43 Texas counties we publish, by under-65 population. Its uninsured rate runs 3.7 points higher than Texas overall and its 9 insurers sit between the state's 1 and 10. Marketplace use is close to the Texas rate.
| Harris County | Texas | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 22.8% | 19.1% | 9.9% |
| Insurers selling | 9 | 1–10 | 4 |
| Plans offered | 121 | — | 57 |
| Selections per 1,000 | 170 | 159 | 78 |
| New rather than renewing | 18% | 18% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Dallas County | 2,269,296 | 24.2% | 10 | 138 |
| Tarrant County | 1,909,922 | 18.9% | 9 | 128 |
| Bexar County | 1,807,008 | 18.1% | 9 | 123 |
| Travis County | 1,187,487 | 14.6% | 10 | 110 |
| Maricopa County (Arizona) | 3,830,352 | 12.6% | 7 | 86 |
Dallas County has 10 insurers against this county's 9 — a reminder that the county line, not the state line, is what decides your options.
Other Texas counties · Where the subsidy stops · Enrollment dates