How Much Does Health Insurance Cost in Irving, TX?
Irving pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Irving's diversified economy.See our methodology
Health Insurance Pricing in Irving, TX
Irving offers near-average pricing for health insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 240K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in health insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Irving: no state income tax in many Southern states helps keep overall costs lower.
Irving has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Irving vs National Average
What Affects Health Insurance Cost in Irving?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Irving Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
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Top-Rated Health Insurance Pros in Irving, TX
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Tips to Save on Health Insurance in Irving
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Irving Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $382 | — |
| 2021 | $398 | +4.2% |
| 2022 | $424 | +6.5% |
| 2023 | $436 | +2.8% |
| 2024 | $450 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Irving
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Irving than other cities?
Irving's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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