League City sits on the Clear Lake side of Galveston County, close enough to Johnson Space Center that aerospace contractors and engineering firms shape a big slice of the local workforce. Contract cycles in that industry end abruptly. When a program winds down, so does the group plan, and Texas coverage rules matter a great deal in the months that follow.
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 League City
| 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 |
Self-employed residents of League City work from the individual marketplace benchmark in the first row. Subsidy eligibility turns on household income and size for the coverage year, nothing here guarantees it, and a licensed agent can run the calculation with your actual figures.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
League City at a glance
League City has grown from a small bayside town into one of Galveston County's largest cities, drawing households that commute north toward the Clear Lake aerospace corridor and Houston or south toward the medical and port employers in Galveston. Marinas along Clear Creek and Galveston Bay support a local boating and service economy with plenty of seasonal and self-employed workers.
| Population | County | Metro |
|---|---|---|
| ~114,000 | Galveston (FIPS 48167) | Houston-The Woodlands-Sugar Land |
Situations we see in League City
Priya, 38, aerospace software contractor. Her program ended in March. COBRA would continue her old group plan at full cost, and losing coverage also opens a Special Enrollment Period on the marketplace. She compares both against a short-term plan and picks based on her medications, since short-term underwriting typically excludes anything pre-existing.
Tom and Kate, both 34, running a bay charter business. Two healthy adults, variable income, no group plan. A marketplace plan with a subsidy may be affordable if their projected income qualifies; if they enroll mid-year without a qualifying event, Texas short-term coverage can hold them until November.
Gloria, 63, part-time bookkeeper counting down to Medicare. Underwriting is a poor fit for her arthritis history. A marketplace plan covers pre-existing conditions without exclusions and bridges her cleanly to 65.
What Texas law says
Texas Insurance Code chapter 1509 permits short-term plans with an initial term under 12 months and renewals up to 36 months of total duration; the Texas Department of Insurance puts it plainly as up to 3 years. State law controls here. The 2024 federal rule that would have limited these plans to a few months is currently not being enforced per the August 7, 2025 tri-agency statement, and no federal change would loosen or tighten the Texas statute itself.
Texas also declined to expand Medicaid, which creates a coverage gap: adults under the federal poverty level who do not fit a traditional Medicaid category get no marketplace subsidy either. That situation calls for straight talk about limited-benefit products rather than pretending a solution exists that does not.
Texas enrolls through HealthCare.gov. Open enrollment is November 1 through January 15; outside that window you need a qualifying life event.
Ready to compare your options? Get a personalized quote from a licensed Texas agent. No obligation, no spam, real answers.
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.