Health Insurance in Midland, TX

Health Insurance in Midland, TX

Residents of Midland can compare marketplace health plans from Ambetter from Superior HealthPlan, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas and UnitedHealthcare. The leading carrier in Midland is Blue Cross Blue Shield of Texas. Midland is in the Permian Basin energy region. Oil and gas industry workers often have employer benefits during peak employment but may need marketplace plans during downturns or self-employment.

2026 Plan Data for Residents in Midland

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

• Midland sits in Midland County, where 4 carrier(s) have filed 54 plans for 2026: Ambetter from Superior HealthPlan, Baylor Scott and White, Blue Cross and Blue Shield of Texas, UnitedHealthcare.
• Plan types available to Midland residents: EPO, HMO, POS.
• One of the lower-cost Silver options is Standard Silver from Ambetter from Superior HealthPlan — $645/month at age 40 with a $6,000 deductible and $40 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 in Midland, TX

Medicare’s hospital directory lists these acute-care hospitals in Midland:

• Midland Memorial Hospital

Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.

Urgent Care Centers in Midland

• FastMed Urgent Care Midland
• Concentra Urgent Care Midland
• NextCare Urgent Care

ACA Subsidies for Midland Residents

At 454% of the Federal Poverty Level, residents earning around the Midland median of $71,000 are above the traditional 400% FPL threshold. The enhanced rules that briefly extended credits above that line expired at the end of 2025, so for 2026 no premium tax credit is available at this income — the full filed premium applies.

Midland residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Midland Health Insurance Market Profile

• Population: 135K
• County: Midland County
• Median Household Income: $71,000 (~454% of the 2026 FPL)
• Marketplace: healthcare.gov