Houston-area carriers, real enrollment data, free quotes from a licensed Texas agent.
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Matt Giron
Licensed in Texas
Harris County, TX has about 4,835,125 residents per the 2024 ACS 5-year estimates (12% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana Gold Plus H4007, WellCare Texan Plus, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare options at no cost to you.
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Harris County has about 4,835,125 residents, 12% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana Gold Plus H4007, WellCare Texan Plus, UnitedHealthcare AARP Medicare Advantage Plan 1 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Gold Plus H4007 against every other carrier serving Harris County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Harris County different: Nearly 690,000 residents covered through the ACA in Harris County alone (Episcopal Health Foundation). Houston has the most ACA enrollees of any TX county.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
WellCare Texan Plus (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Harris County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Harris County plans that fit your situation.
Harris County has about 4,835,125 residents per the 2024 ACS 5-year estimates; 12% are age 65 or older.
The largest carriers in Harris County are Humana Gold Plus H4007 (HMO), WellCare Texan Plus (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — Houston-Galveston Area Council (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Memorial Hermann-Texas Medical Center, Houston Methodist Hospital, St. Luke's Health–Baylor St. Luke's.
Over 689,000 residents in Harris County are currently enrolled in ACA plans, making it the county with the most enrollees in Texas (Episcopal Health Foundation).
The Annual Enrollment Period (AEP) runs from October 15 to December 7. However, you can also enroll during Special Enrollment Periods (SEPs) for life changes like losing coverage or moving.
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