Round Rock grew up around a computer maker's headquarters and never stopped growing, absorbing Austin's tech spillover along with its own base of health care, education, and retail employers. Williamson County adds thousands of residents a year, and every arriving household that left a job behind in California or Colorado gets a crash course in how differently Texas regulates individual coverage.
The rules here
What's available in Round Rock
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 preexisting conditions.
What one person pays for coverage in Texas
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
Round Rock's growing ranks of self-employed workers, from tech freelancers to trade contractors serving the housing boom, start at the marketplace benchmark above. Subsidy eligibility rides on projected household income and size for the year. No estimate is a guarantee, and an agent can check yours in minutes.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
A licensed agent compares your real options for your ZIP in plain English. No cost. No pressure.
Round Rock at a glance
Round Rock anchors the fast-growing suburban tier north of Austin, with Dell's headquarters campus, a regional medical corridor along I-35 and University Boulevard, and the Dell Diamond minor league ballpark as local landmarks. Housing growth has pulled in construction trades and service businesses by the hundreds, many of them small operations with no group benefits.
Three Round Rock situations
Dana, 34, relocated from Sacramento with a remote job that ended in month two. Her move plus the job loss both count as qualifying events, so a Special Enrollment Period is open. She should also know that Texas sells underwritten short term plans her home state banned; they are legal here, cheaper, and thinner, and nobody should let her buy one without explaining the exclusions.
Reggie, 41, framing contractor with three crews. He has gone uninsured through good years and paid cash. One fall from a roof changes that math permanently. An extended short term plan gets him covered quickly for up to 36 months if his health history passes underwriting; a marketplace plan at open enrollment covers him regardless of history.
Mei, 55, left a tech job to consult part time. Her income is deliberately modest now, which may put her deep in subsidy range for a marketplace plan. With a thyroid condition in her chart, underwritten products would exclude what she most needs covered, so the subsidized route wins on both price and protection.
What changed when you crossed into Texas
Texas Insurance Code chapter 1509 allows short term plans with an initial term under 12 months and up to 36 months of total duration, which the Texas Department of Insurance describes as up to 3 years. Some states ban these products outright; Texas is at the permissive end. The stricter 2024 federal rule is currently not being enforced per the August 7, 2025 tri-agency statement, and state statute governs the contract regardless.
Texas also did not expand Medicaid. Adults below the federal poverty level with no traditional Medicaid category fall in the coverage gap, with neither Medicaid nor subsidies available. Newcomers from expansion states are often startled by this; it is real, and children's eligibility follows separate, more generous rules.
Texas enrollment runs through HealthCare.gov, November 1 to January 15.
Ready to compare your options? Get a personalized quote from a licensed Texas agent. No obligation, no spam, real answers.
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 agencywide, 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 preexisting 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.
