Private PPO Health Insurance
in Texas

Texas enrolled more marketplace members than any other state for 2026 — over 3.2 million residents. But the marketplace isn't the only path to coverage, and for healthy Texans, it usually isn't the most competitively priced one. Here's how private PPO coverage stacks up against what's actually available in Texas.

What We Actually Sell

Castro Coverage specializes in private PPO health insurance: broad nationwide networks, not a narrow local HMO panel, with rates based on your own health profile rather than a flat community rate. In a big state like Texas, where you might see specialists in Houston, Dallas, or Austin depending on the year, a portable PPO network matters more than it does in a smaller market.

• Nationwide PPO networks that don't lock you into one metro area's provider list
• Rates priced on a preferred-health basis — the pricing model rewards healthy applicants specifically
• Low-to-$0 deductible structures available on select plans (plan-specific, always confirmed before you enroll)
• Many plans include telehealth access alongside in-person care

Texas's Marketplace Landscape in 2026

Texas residents shop for ACA coverage through the federal HealthCare.gov exchange — Texas has never built its own marketplace platform. Texas is also one of ten states that has not expanded Medicaid, leaving an estimated 570,000 Texans in a coverage gap: too little income to qualify for marketplace subsidies, but not eligible for Texas Medicaid either since adults without dependent children generally don't qualify regardless of income.

Nationally, enhanced federal marketplace subsidies expired at the end of 2025, and Texas — despite its record 2026 enrollment — is expected to see rising premiums and cost pressure as a result. That makes a direct comparison against private PPO pricing worth doing before you default to whatever the marketplace shows first.

General market information as of 2026, not a quote or guarantee for any specific plan. Marketplace rules and subsidy eligibility change year to year — always confirm current details for your situation.

Why Private PPO Often Fits Better Here

If you're healthy, self-employed, or running a business in Texas, a medically-underwritten private PPO plan is frequently priced better than an equivalent marketplace plan — because community rating on the marketplace charges everyone in your area and age band the same rate regardless of health, while a private plan prices to your actual risk. We compare both, starting with private, before ever recommending marketplace.

How It Works

• Tell us your situation — health, budget, and what matters most in a network.
• We compare private PPO plans and marketplace options side by side, across 50+ carriers.
• You pick a plan, we handle enrollment. Zero cost to you, zero pressure.