The I-35E corridor through Lewisville is lined with distribution centers, light manufacturing, and the service businesses that follow them, and a short drive south puts commuters at DFW Airport or in the Dallas job market. People here change jobs often. Every one of those changes is a coverage decision, and Texas law shapes what the in-between period can look like.
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 Lewisville
| 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 |
For self-employed people in Lewisville, the marketplace benchmark above is the realistic starting number. Subsidies can pull it down substantially, but eligibility depends on projected household income and size, and no estimate is a promise. A licensed agent can run your numbers.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Lewisville at a glance
Lewisville is one of Denton County's oldest cities and now one of the busier inner suburbs on the north side of the Dallas-Fort Worth metro, with Lewisville Lake on its northern edge supporting a marina and recreation economy alongside the warehouse and logistics employers on the highway corridor. Apartment-heavy housing keeps the population younger and more mobile than in the counties' master-planned suburbs.
| Population | County | Metro |
|---|---|---|
| ~112,000 | Denton (FIPS 48121) | Dallas-Fort Worth-Arlington |
Two Lewisville situations
Jordan, 26, warehouse lead who just aged off a parent's plan. Turning 26 is a qualifying event with its own Special Enrollment Period. His employer plan starts after 60 days, so a one-month short-term policy patches the hole cheaply, with the honest caveat that it is underwritten and thin compared with major medical.
Sandra, 47, salon owner near Old Town. Twelve years self-employed, no group coverage, and a thyroid condition managed with daily medication. Underwritten products would typically exclude exactly what she needs covered. A marketplace plan takes her condition as-is, and her income level may qualify her for a subsidy that changes the math entirely.
The Texas framework
Under Texas Insurance Code chapter 1509, a short-term plan carries an initial term under 12 months and can extend to 36 months of total duration; the Texas Department of Insurance describes the ceiling as up to 3 years. This is state law rather than federal permission. The stricter 2024 federal rule is currently not being enforced per the August 7, 2025 tri-agency statement, and the Texas statute is the operative limit either way.
Two other facts frame every Lewisville conversation. Texas did not expand Medicaid, so adults below the federal poverty level who fit no traditional Medicaid category can land in the coverage gap without subsidy access. And Texas runs enrollment through HealthCare.gov, with open enrollment from November 1 to January 15.
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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.