Health Insurance in Waco, TX

Health Insurance in Waco, TX

Residents of Waco 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 Waco is Blue Cross Blue Shield of Texas. Waco is served by Baylor Scott & White Hillcrest (a major regional medical center) and Ascension Providence. Both systems participate in most Texas marketplace carrier networks.

2026 Plan Data for Residents in Waco

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

• Waco sits in McLennan County, where 3 carrier(s) have filed 44 plans for 2026: Ambetter from Superior HealthPlan, Baylor Scott and White, Blue Cross and Blue Shield of Texas.
• Plan types available to Waco 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 — $731/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 Waco, TX

• Baylor Scott & White Medical Center – Hillcrest (Waco)
• Providence Healthcare Network (Ascension)

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

Urgent Care Centers in Waco

• Concentra Urgent Care Waco
• AFC Urgent Care Waco
• FastMed Urgent Care

ACA Subsidies for Waco Residents

At 294% of the Federal Poverty Level, residents earning around the Waco median income of $46,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $326 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Waco 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.

Waco Health Insurance Market Profile

• Population: 139K
• County: McLennan County
• Median Household Income: $46,000 (~294% of the 2026 FPL)
• Marketplace: healthcare.gov