David MedinaFinding the best health insurance in El Paso doesn’t have to be hard. Whether you need a plan for yourself or your family, a trusted local agency can help you choose the right one.
They can explain things like copays and deductibles in an easy-to-understand way. Along with good insurance, health screening services, and mental health clinics can help you stay healthy.
Take a look at my top picks and find the coverage that’s right for you.
How much does health insurance cost in El Paso?
Health insurance in El Paso typically costs $400 to $650 per month for an individual without subsidies.
Residents who qualify for Affordable Care Act (ACA) subsidies may pay as little as $38 per month, while family plans vary based on coverage and eligibility.
| Plan Tier | Monthly Premium |
| Bronze | $381 |
| Silver | $497 |
| Gold | $507 |
| Family (of 4) | $200 – $700 |
1. BYGA Health Insurance & Medicare Plans
Website: https://www.bygahealthcareinsurance.com/
Address: 1200 Golden Key Circle Ste 327
Contact: (915) 613-5102
Hours: Mon-Fri: 9:00 AM–5:30 PM
If you’re not sure where to start with health insurance, BYGA Health Insurance & Medicare Plans makes the process much easier.
As an independent agency, they compare Medicare Advantage, Affordable Care Act (ACA), and private health plans to help you find the best fit.
They also check if you qualify for low-cost or even no-cost coverage in El Paso, which can help lower your expenses.
I also appreciate that clients can even request a quote online or schedule an office visit if preferred. Plus, people I surveyed have praised the team for taking the time to explain the ACA quote process over the phone, making it easier to understand.
The main downside is that they focus primarily on individuals and seniors, so there are fewer employer-sponsored group health plan options.
Customer Reviews
Very professional
We are very happy with their service, very professional. We bave recommended many friends and we highly recommend any person with Gaby and her staff. Any time that we need help they are ready to help us. Thank you for all your information it really make our life easy and now we know how to take advantage of our health insurance.
- Rita Minjarez | Google Review
The dedication in favor of a healthy community
I highly recommend BYGA Health Insurance. They really understand your needs, they patiently explain your options and in then you are able to choose the insurance that will provide the protection and benefits you need. Thanks to Gabby and her staff for the dedication in favor of a healthy community.
- Carlos Marentes | Google Review
2. Texas Medical Care Plans
Website: https://texasmedicalcareplans.com/
Address: 462 N. Yarbrough
Contact: (915) 307-4416
Hours: Mon-Fri: 9:00 AM–5:00 PM
Texas Medical Care Plans helps people get Medicare support for free. They guide you through the application process and help you understand your options so it doesn’t feel confusing.
One nice thing is that they have offices on the Central, East, and West sides of El Paso. That makes it easier to visit someone near your home.
You can also book appointments online, and they can send text updates about your plan so you don’t miss anything important.
They also offer Final Expense Insurance, which helps cover things like medical bills and funeral costs.
However, they don’t work with every insurance company, so some plans may not be available. Some people have also said they had to wait longer for English-speaking support during busy times.
Customer Reviews
Helped me get the best health insurance
I came to get health insurance. I was very happy because Ms Patricia Del Hierro helped me get the best health insurance. She informed me about the benefits and filled out all the forms professionally. She was very courteous, professional. Thank you for your courtesy and great work!
- MARIA REYNOZO | Google Review
Recommend this place to get your health insurance!
Every time that I go to Texas Medical Care Plans on Yarbrough, they treat me very nice, specially Yeira. She’s always very friendly and supportive and super nice. Recommend this place to get your health insurance!
- Yahely | Google Review
3. ArmandoWInsurance – Health & Medicare Insurance – Seguro Medico – El Paso Texas
Website: https://armandowinsurance.com/
Address: 5959 Gateway West
Contact: (915) 255-9077
Hours: Mon-Fri: 9:00 AM–5:00 PM (Sat-Sun by Appointment)
If you want to save money on your family’s healthcare, ArmandoWInsurance can help.
For starters, they help families find lower monthly premiums, especially for those applying for CHIP (Children’s Health Insurance Program). They also explain how your household size can affect how much you pay.
They can also help you learn about discounts for married couples when choosing Medicare Advantage plans. On top of that, they offer extra coverage for dental, vision, hearing, and cancer care to help cover costs that Medicare doesn’t always cover.
Their bilingual service is also convenient, so you can get quotes and sign up over the phone in either English or Spanish.
One drawback is that phone support is sometimes unreliable, so some people might find it easier to visit the office for more detailed help.
Customer Reviews
An INCREDIBLE insurance plan
Armando is an angel sent from heaven. He was able to get me an INCREDIBLE insurance plan at moments notice! He answered all of my questions and made me feel absolutely confident with my insurance. He treated you like someone he truly cares about, and isn’t afraid to show how much he cares with his emotions towards you. Never have I felt so treated like I mattered.
I am so very blessed.
Thank you!
- Larry The Lover | Google Review
Helped us accordingly to our budget
Mr. Wilson is very knowledgeable in the insurance field, he helped us accordingly to our budget. He really helped us so much in getting the insurance that me and my family needed. Wonderful and very kind person. 👍🏼 …
- Sergio Vega | Google Review
4. St Luke Health Plans
Website: https://www.stlukehp.com/
Address: 500 N Zaragoza Rd.
Contact: (915) 731-2788
Hours: Mon: 9:00 AM–5:00 PM, Tue-Thu: 9:00 AM–4:00 PM
St Luke Health Plans helps you manage your healthcare and costs more simply.
What makes them a bit different is that they also help with taxes. They can guide you on deductions and help you avoid common tax mistakes.
They also have a rewards program where members can earn points or perks for doing healthy things like staying active.
Another helpful part is their focus on preventive care. Many plans include free checkups, screenings, and vaccines, which can help you avoid bigger medical bills later.
Their website also has a doctor search tool, so you can quickly see if your doctor is covered by your plan.
However, they only have one office on North Zaragoza Road, which may be a long drive for some El Paso residents.
Customer Reviews
Truly appreciated her personalized approach
I had a great experience with St Luke Health Plans Agency, especially Estefania. She was very patient answering all my questions and guiding me through the fax filling process. She made what is usually a stressful time of the year, feel simple! She even helped me maximize my refund and also assisted me with health insurance! I truly appreciated her personalized approach, it is great that we have local business like this in EP that focus on client needs and offer such great customer oriented services! Highly recommend St Luke Health Plans, five stars all the way!!!!
- Luisa M. Barraza Escudero | Google Review
Incredibly responsive
I have always received excellent customer service from St. Luke and their staff. They are attentive to details and deadlines. I use their services for both income taxes and health insurance, and every year, they are incredibly responsive and answer all my questions. I highly recommend St. Luke and their services—they are great people who genuinely look out for you. A special shoutout to Estefania; she is amazing!”
- Alexis Mesta | Google Review
5. Med Care Plus
Website: https://medcare.plus/
Address: 2230 Montana Ave.
Contact: (915) 895-0050
Hours: Mon-Fri: 8:30 AM–5:00 PM
Founded in 2006 by Ana Casillas, Med Care Plus has deep roots in El Paso and understands what local families need.
From what we’ve seen, they’re known for building lasting relationships with clients instead of just offering quick, one-time services.
In particular, they offer all-in-one coverage support, including Affordable Care Act plans, life insurance, and even burial services, all in one place. By offering everything in one place, they help reduce stress for families.
Plus, they have over 30 agents, so it’s usually easy to find someone who can help you when you need it.
The downside is that appointment times can change sometimes, and updates aren’t always shared right away, which may be frustrating for some clients.
Customer Reviews
Helpful and knowledgeable
I had a great experience. Paulina was incredibly helpful and knowledgeable. She took the time to explain all my options and made the process of finding the right health insurance plan so easy. I highly recommend their services
- Gabriel Lopez | Google Review
Did an exceptional job
I’m very happy with the help that I received from Paulina. She did an exceptional job and took the time to truly listen to my concerns, explain clearly, and work with me to develop the best plan. I highly recommend her to anyone seeking caring and knowledgeable help with health insurance.
- Edith Izquierdo Veloz | Google Review
