Health Insurance in Laredo, TX

Health Insurance Carriers in Laredo, TX

Residents of Laredo can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Blue Cross Blue Shield of Texas, Ambetter from Superior HealthPlan, Aetna, Cigna, Molina Healthcare, Oscar Health, Scott & White Health Plan. The dominant carrier in most Laredo ZIP codes is Blue Cross Blue Shield of Texas.

Laredo is a large border city with a predominantly Spanish-speaking population. Health insurance options may include bilingual support from carriers like Molina Healthcare and Ambetter. Some residents have access to Mexican healthcare across the border.

2026 Plan Data for Residents in Laredo

Here is what is actually filed and for sale in Webb County for 2026.

• Laredo sits in Webb County, where 3 carrier(s) have filed 45 plans for 2026: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, UnitedHealthcare.
• Plan types available to Laredo residents: EPO, HMO, POS.
• One of the lower-cost Silver options is Enhanced Diabetes Care Silver with $0 Drug Options from Ambetter from Superior HealthPlan — $658/month at age 40 with a $5,000 deductible and $30 primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in Laredo

Major hospital systems and facilities serving Laredo include:

• Laredo Medical Center (HCA)
• Doctors Hospital of Laredo (Universal Health Services)
• Laredo Regional Medical Center

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in Laredo

Urgent care facilities in the Laredo area include:

• Methodist Healthcare Urgent Care (San Antonio region)
• Laredo Urgent Care
• AFC Urgent Care

ACA Subsidies and Medicaid in Laredo

Residents of Laredo may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Laredo Health Insurance Market Profile

• Population: 261K
• County: Webb County
• Median Household Income: $41,000 (~262% of the 2026 FPL)
• Marketplace: healthcare.gov