How Much Does Health Insurance Cost in Plano, TX?
Plano pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Plano's diversified economy.See our methodology
Health Insurance Pricing in Plano, TX
In Plano, health insurance costs are 5% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 285K find the pricing competitive relative to the local cost of living.
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 Plano: no state income tax in many Southern states helps keep overall costs lower.
Plano 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.
Plano vs National Average
What Affects Health Insurance Cost in Plano?
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
Plano 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 Plano, TX
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Tips to Save on Health Insurance in Plano
- 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 Plano Cost Trends (2020–2024)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $402 | — |
| 2021 | $419 | +4.2% |
| 2022 | $446 | +6.4% |
| 2023 | $458 | +2.7% |
| 2024 | $473 | +3.3% |
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 Plano
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 Plano than other cities?
Plano'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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