Health insurance in Hays County, Texas
9 insurers sell 102 marketplace plans here, and 14.9% 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 Hays County — 102 plans in total, around 11 each. Few people compare 102 plans properly without help. The number has not changed since the previous plan year.
Coverage is better here than across the state
14.9% of Hays County's 249,025 under-65 residents have no health coverage — 37,209 people. That is far below Texas as a whole, which sits at 19.1% — 4.2 points better than its own state, and puts Hays County in the top quarter of the 1,817 counties on this site (362nd).
Some of those 37,209 are in the Texas coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
How much the marketplace is used
20,420 Hays County residents selected a marketplace plan for 2026: 82 per thousand under-65 residents, 1044th of 1,817. That is close to the 78 per thousand typical of published counties. 3,850 of them — 19% — were new rather than renewing.
Hays County against Texas
Hays County is the 19th largest of the 43 Texas counties we publish. Its uninsured rate runs 4.2 points lower than Texas overall and its 9 insurers sit between the state's 1 and 10. Marketplace use is well under the Texas rate.
| Hays County | Texas | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 14.9% | 19.1% | 9.9% |
| Insurers selling | 9 | 1–10 | 4 |
| Plans offered | 102 | — | 57 |
| Selections per 1,000 | 82 | 159 | 78 |
| New rather than renewing | 19% | 18% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Webb County | 236,623 | 26.2% | 3 | 45 |
| Lubbock County | 272,118 | 16.6% | 5 | 74 |
| McLennan County | 219,047 | 18.3% | 3 | 44 |
| Nueces County | 287,314 | 19.1% | 4 | 64 |
All of them have fewer insurers than this county's 9, which makes it the stronger market locally.
Other Texas counties · Where the subsidy stops · Enrollment dates