Health Insurance in Odessa, TX

Health Insurance in Odessa, TX

Residents of Odessa can compare marketplace health plans from Blue Cross Blue Shield of Texas, Ambetter from Superior HealthPlan, Aetna, Cigna, Molina Healthcare, Oscar Health. 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

• Medical Center Hospital (Odessa)
• West Texas Regional Hospital

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

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. Under current enhanced subsidy rules, premium tax credits still apply, capping the benchmark Silver plan at $453 per month (8.5% of income).

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