Las Colinas holds one of the densest corporate headquarters clusters in the Southwest, and Irving's border wraps around a chunk of DFW International Airport. That combination fills the city with two very different coverage shoppers: relocated corporate employees waiting out benefits eligibility, and the contractors, consultants, and gig drivers who service the headquarters economy without ever joining a group plan. Texas law gives both groups room to maneuver.
The rules here
| Max initial term (short-term) | Less than 12 months |
| Max total duration | 36 months (Tex. Ins. Code ch. 1509) |
| Products available | ACA marketplace, short-term, extended short-term, fixed indemnity, supplemental |
| Exchange type | Federal marketplace (HealthCare.gov) |
| Medicaid expansion | No |
What's available in Irving
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | Yes | Initial term under 12 months | Short-term |
| Extended short-term (multi-year) | Yes | Up to 36 months total | Extended plans |
| Fixed indemnity | Yes | Pays set cash amounts, not a substitute for major medical | Fixed indemnity |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pairs with other coverage | Accident · Critical illness · Dental · Vision |
Short-term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude pre-existing conditions.
What one person pays for coverage in Texas
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $709 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $41 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $653 / $2009 single / family | State average total monthly premium, single / family; employee pays about $126/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
| Fixed indemnity | $235.39 mean | Among GetHealthPlans.com clients in Texas with individual coverage, as of July 2026.3 |
| Accident | $44.20 median | Among GetHealthPlans.com clients in Texas with individual coverage, as of July 2026.3 |
| Critical Illness | $30.72 median | Among GetHealthPlans.com clients in Texas with individual coverage, as of July 2026.3 |
| Dental | $46.02 median | Among GetHealthPlans.com clients in Texas with individual coverage, as of July 2026.3 |
Irving's independent consultants and gig workers start at the individual marketplace benchmark above, then test subsidy eligibility against projected household income and size. An estimate is never a guarantee; a licensed agent can verify where you land before enrollment.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Irving at a glance
Irving hosts several Fortune 500 headquarters in the Las Colinas urban center and shares DFW International Airport with its neighbors, making corporate relocation and airport-linked contract work the twin engines of the local economy. Constant professional turnover means a steady population of residents covering benefits waiting periods or bridging between corporate roles.
| Population | County | Metro |
|---|---|---|
| ~256,700 | Dallas (FIPS 48113) | Dallas-Fort Worth-Arlington |
Three Irving situations
Nadia, 37, relocated to Las Colinas for a headquarters role. Her benefits start after 60 days. A short-term plan with an initial term under 12 months covers the waiting period cheaply since she is healthy, and she cancels it the day her group coverage begins.
Victor, 52, IT consultant billing through his own LLC. Ten years without employer coverage. He holds an extended short-term policy at an underwritten rate for up to 36 months under Texas law, and reprices it against the marketplace each open enrollment because his wife's arthritis needs a plan without exclusions when she joins his coverage.
Sam, 33, rideshare and delivery driver working the airport. His income varies by month. Projected over the year it likely qualifies him for a subsidy, but a bad year could drop him below the poverty line, where Texas's decision not to expand Medicaid means no help. Annual income planning with an agent protects him from that cliff.
How Texas's rules work
Texas Insurance Code chapter 1509 sets short-term limits at an initial term under 12 months and a total duration of 36 months, described by state regulators as up to 3 years. State statute controls, so the rule holds regardless of federal shifts; the stricter 2024 federal rule is currently not being enforced per the August 7, 2025 tri-agency statement.
The other Texas fact worth repeating: no Medicaid expansion. Adults under the federal poverty level who fit no traditional category get neither Medicaid nor a subsidy. In a gig-heavy economy like Irving's, income projection is the difference between a well-subsidized marketplace plan and the coverage gap, so treat the projection as seriously as the plan choice.
Texas enrolls through HealthCare.gov, November 1 to January 15, with Special Enrollment Periods after qualifying events.
Two minutes of questions, real answers after. A licensed Texas agent can quote every line above for your household with no obligation.
Keep reading — more Texas guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Texas, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Texas, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com (MTG Insurance Agency LLC) internal book-of-business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agency-wide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.