Health Insurance in Lubbock, TX

Compare plans and local providers in Lubbock for 2026.

Health Insurance in Lubbock, TX

Compare Blue Cross Blue Shield of Texas, Ambetter from Superior HealthPlan, Aetna, Cigna, Molina Healthcare, Oscar Health in Lubbock. The dominant carrier is Blue Cross Blue Shield of Texas. Lubbock is home to Texas Tech University and Texas Tech Health Sciences Center. The academic and medical community has diverse insurance needs from student marketplace plans to faculty employer benefits.

2026 Plan Data for Residents in Lubbock

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

  • Lubbock sits in Lubbock County, where 5 carrier(s) have filed 74 plans for 2026: Baylor Scott and White, Blue Cross and Blue Shield of Texas, Cigna Healthcare, UnitedHealthcare, WellPoint.
  • Plan types available to Lubbock residents: HMO, POS.
  • One of the lower-cost Silver options is UHC Silver Value ($0 Virtual Urgent Care) from UnitedHealthcare — $829/month at age 40 with a $3,000 deductible and $20 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.

Local Hospitals

  • University Medical Center (Lubbock)
  • Covenant Medical Center (Providence)
  • Texas Tech University Health Sciences Center

Verify network status before enrolling.

Urgent Care

  • CareNow Urgent Care
  • Concentra Urgent Care
  • AFC Urgent Care

ACA Subsidies in Lubbock

Residents earning 100%–400% FPL qualify for premium tax credits. Contact a broker to review eligibility.

Lubbock Health Insurance Market Profile

  • Population: 258K
  • County: Lubbock County
  • Median Household Income: $51,000 (~326% of the 2026 FPL)
  • Marketplace: healthcare.gov

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