How to Get a $0 Premium Plan in Texas: 2025 Guide

Texas has one of the most competitive insurance markets in the country. In 2025, thanks to the extension of the "Enhanced Subsidies," more Texans qualify for a $0 monthly premium plan than ever before. But if you just go to a generic site and click "buy," you might miss out on the best options.

If you are living in Houston, Dallas, or anywhere in the Lone Star State, here is your roadmap to free coverage.

The Income Sweet Spot

To get a plan for exactly $0, your household income generally needs to fall between 100% and 150% of the Federal Poverty Level. For a single person, that’s roughly between $15,000 and $22,000 a year.

Even if you make more than that, you can often get a plan for under $20 a month. It’s about the "Tax Credit" math.

Silver Plans: The Secret Bonus

Do not just look at Bronze plans. In Texas, "Silver" plans often come with Cost Sharing Reductions (CSRs). This means the government doesn't just pay your premium; they also lower your deductible from $5,000 down to $500.

I’ve seen people choose a $0 Bronze plan and regret it when they had a $9,000 out-of-pocket max. A $0 Silver plan is the gold standard of health insurance.

Don't Forget the Meds

A $0 plan is great, but it doesn't always mean $0 at the pharmacy. Many budget plans in Texas still have high co-pays for brand-name drugs. That’s why we complement these plans. We help Texans get their high-cost prescriptions for $40 a month, filling the gap that even a "free" insurance plan leaves behind.

Check if you qualify for a $0 Texas plan + $40 meds here.