Health Insurance in Odessa, TX

Health Insurance in Odessa, TX

Residents of Odessa 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 Odessa is Blue Cross Blue Shield of Texas. Plan options vary by ZIP code — always check healthcare.gov or use a licensed broker with your specific Odessa address.

2026 Plan Data for Residents in Odessa

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

• Odessa sits in Ector 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 Odessa 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 — $654/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.

Local Hospitals in Odessa, TX

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

• Medical Center Hospital
• Odessa Regional Medical Center

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 Odessa

• FastMed Urgent Care Odessa
• Concentra Urgent Care Odessa
• AFC Urgent Care

ACA Subsidies for Odessa Residents

At 409% of the Federal Poverty Level, residents earning around the Odessa median of $64,000 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.

Odessa 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.

Odessa Health Insurance Market Profile

• Population: 122K
• County: Ector County
• Median Household Income: $64,000 (~409% of the 2026 FPL)
• Marketplace: healthcare.gov