What are the average healthcare costs in Texas?

1 min read by Unbiased team Last updated June 28, 2024

Find out why healthcare in Texas is costly and how location, type of care, and providers influence it.


  • Healthcare in Texas is the fifth most expensive in the United States. 

  • 16% of adults in Texas forgo seeing a doctor due to the high costs and lack of affordability. 

  • In 2021, Texas had the highest rate of uninsured residents (17.97%) in America. 

What are the healthcare costs in Texas? 

Healthcare insurance in Texas has some of the highest costs in the US, with premiums averaging $500 per month for individuals.  

Understanding the cost of healthcare in Texas is crucial for effective financial planning and managing the cost of living in the state.  

We’ve explored various aspects of healthcare, including healthcare insurance in Texas, one-time medical costs, and long-term care. We've also looked at managing these expenses, such as choosing the best healthcare plans in Texas and exploring free or low-cost options. 

How much are insurance premiums in Texas? 

The average health insurance premiums for individuals and families in Texas depend on a few factors, including plan types, coverage levels, and age. 

On average, individuals can expect to pay $3,058 annually, while families will spend around $22,392. 

The US averages are as follows: 

  • Individual: $8,435 annually. 

  • Family coverage: $23,968 annually. 

How do healthcare costs compare in Texas? 

Healthcare plans in Texas vary widely but still tend to be higher than the national average and the surrounding states.  

Here are some standard healthcare costs you can expect in Texas: 

  • Doctor visits: A standard visit to a primary care physician costs around $200 without insurance. Specialist visits are higher, often reaching the $400 mark. 

  • Emergency care: An emergency room visit costs $1,000 to $3,000, depending on the severity of the condition and the tests required.  

  • Hospital stays: The average cost for a hospital stay in Texas is about $2,500 per day. Complex procedures and longer stays can push expenses much higher. 

  • Prescription medication: Medicine prices vary, but an average monthly prescription in Texas can cost between $50 and $200. Specialty drugs and non-generic drugs can be significantly more expensive. 

These costs can also vary depending on a number of different influencing factors, including: 

  • Location: Urban areas like Dallas and Houston generally have higher healthcare costs than rural areas. This is typically due to higher operational costs and demand. 

  • Type of care: Specialized treatments and emergency care are more expensive than routine checkups and preventative care. 

  • Provider differences: Costs vary significantly between hospitals and clinics. Some providers may charge more due to higher quality care, advanced facilities, or reputation. 

The state's legislature is making some healthcare costs more affordable, especially since healthcare companies in Texas are more pricey than most of the US.  

Furthermore, the Biden-Harris Administration's Inflation Reduction Act, which aims to lower healthcare costs, should help over 1.3 million Texans save up to $400 annually on prescription medicines. 

What are the long-term care costs in Texas? 

The costs of long-term healthcare in Texas are significant and require careful financial planning.  

On average, nursing care costs between $3,000 to $4,000 monthly for a semi-private room, while a private room can cost up to $9,034 monthly. In-home care services, including home health aides, average around $5,148 monthly.  

Planning for these expenses is crucial, as they can quickly deplete savings. However, long-term care insurance and other financial strategies can help manage these high costs and ensure access to necessary care in the future. 

What are the healthcare costs for individuals vs. families in Texas? 

The cost of healthcare in Texas differs for individuals and families.  

For individuals, monthly insurance premiums average about $500, with deductibles typically between $2,000 and $4,000 and out-of-pocket maximums around $8,000.  

Families face higher premiums, averaging around $1,200 monthly, with double the deductibles and out-of-pocket maximums. 

Many individuals and families cannot afford healthcare; almost 15% of children in Texas come from families who cannot afford healthcare costs.  

Here are strategies for individuals and families to minimize healthcare expenses: 

  • Research the best healthcare plans in Texas for your needs. 

  • Choose HDHPs with a Health Savings Account (HAS) for lower premiums and tax benefits. 

  • Opt for family plans with lower deductibles and comprehensive coverage. 

  • Utilize preventative care services to avoid high medical costs. 

  • Compare healthcare plans in Texas annually, seek in-network providers, and consider telemedicine services to reduce costs. 

What are the common medical visits and their costs in Texas? 

The cost of healthcare in Texas is generally higher compared to neighboring states

This is due to higher demand in urban areas, operational costs, and state regulations. Below are some comparisons of typical healthcare costs in Texas and surrounding states: 

Annual checkups 

  • Texas: $100 - $200 

  • Oklahoma: $80 - $150 

  • Louisiana: $90 - $160 

  • New Mexico: $85 - $155 

Dental cleanings 

  • Texas: $75 - $200 

  • Oklahoma: $60 - $180 

  • Louisiana: $70 - $190 

  • New Mexico: $65 - $175 

Eye exams 

  • Texas: $100 - $200 

  • Oklahoma: $90 - $180 

  • Louisiana: $95 - $185 

  • New Mexico: $90 - $180 

How do you manage healthcare expenses in Texas? 

To mitigate the costly healthcare plans in Texas, here are some strategies to employ:

  • Choose the right insurance plan: Compare plans during open enrollment and consider HDHPs. 

  • Use HSAs: Contribute pre-tax money to an HAS for medical expenses. 

  • Negotiate medical bills: Always review medical bills for errors. The Federal No Surprises Act protects against hidden charges in some medical services. 

  • Find affordable healthcare services: Community health centers offer sliding scale fees based on income. Alternatively, resources like Healthcare.gov or NeedyMeds can be used to find low-cost services and prescription assistance programs. 

  • Understand insurance benefits: Read your insurance policy to know what services are covered and your out-of-pocket costs. Additionally, use in-network providers to minimize expenses. 

  • Use free healthcare in Texas: Low-income households can take advantage of CHIP (Children's Health Insurance Program) and Medicaid for free or less expensive healthcare. 

Get expert financial advice  

Healthcare in Texas is notably expensive. There are significant expenses for everyday medical visits and long-term care, and costs differ for individuals and families. Factors influencing the cost of healthcare in Texas include location, type of care, and provider differences. 

For expert financial advice on healthcare matters and more, seek a financial advisor through Unbiased.


Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.