Best Health Insurance Companies in Irving
Here are the major carriers that serve Irving and Dallas County and what makes each one stand out:
| Carrier | Plan Types Available | Strengths |
Blue Cross Blue Shield of Texas | HMO, PPO, Group | Largest carrier in Texas. Wide hospital network accepted at Baylor Scott & White and Medical City facilities. |
United Healthcare | PPO, Group, Individual | Strong nationwide PPO network great for DFW Airport workers who travel frequently. |
Cigna | PPO, Group, Individual | Good for self-employed and small business. Solid PPO options for Las Colinas professionals. |
Humana | PPO, Group | Wellness-focused plans with good preventive care benefits. |
Aetna | Group, Employer Plans | Strong group plan options for Irving businesses. Note: Aetna is exiting the individual market — group plans still available. |
The PPO fact you need to know: The Texas ACA marketplace offers zero PPO plans. None. If you want a PPO that lets you see any doctor or specialist without a referral, you have to go through a broker to access private-market options. As a health insurance broker in Irving, Custom Health Plans gives you access to PPO plans that are simply not available on the government exchange.
Health Insurance Options in Irving
Individual Health Insurance
If you’re buying coverage just for yourself, a health insurance broker in Irving can show you more choices than the marketplace offers. Private market plans give you access to PPO networks, which means you can see specialists without a referral and choose from a larger pool of doctors. This matters a lot if you’ve built a relationship with a specific doctor and don’t want to switch.
For Irving workers in aviation, hospitality, or logistics who may be between jobs or contract roles, short-term health insurance is also an option. It can start quickly, costs less per month than marketplace plans, and is available year-round, not just during open enrollment.
Family Health Insurance
Covering your whole family means thinking about pediatric care, how many times kids visit the doctor in a year, which hospitals are nearby, and whether your spouse has their own preferred doctors. Private PPO plans let everyone in your household see their own doctors without a referral.
Association health plans can be a smart move for Irving families where one or both spouses are self-employed. By joining a professional or trade association, you may be able to access group-level rates, which can mean meaningful savings compared to buying individual plans for everyone separately.
Small Business & Group Health Insurance
Irving has a thriving business community. The Las Colinas Urban Center alone is home to dozens of corporate offices and hundreds of small businesses, from tech startups to logistics companies to professional services firms. If you own a business in Irving and have at least 2 enrolled employees (including you and your spouse), you may qualify for a small-group health plan, and a health insurance broker in Irving can help you compare your options.
Group plans let your employees access better coverage at better rates than they could get on their own. They’re also among the most effective tools Irving employers use to attract and retain good people, especially in competitive industries like corporate services, where companies in Las Colinas are always competing for talent.
We compare group options from BCBS of Texas, United Healthcare, Cigna, Humana, and others all in one place, at no cost to you.
Self-Employed & Freelancer Insurance
Irving has a large population of independent contractors, consultants, and gig workers particularly in sectors that cluster around DFW Airport and the Las Colinas business district. If you’re self-employed, you don’t have to settle for expensive, restrictive marketplace HMOs.
Association health plans let you join a professional or trade group to access group-level rates. This is often the only way for a self-employed person in Texas to get a PPO plan. We’ll help you identify the right association for your industry and match it with the right coverage.
Short-Term Health Insurance
Short-term plans were built for life transitions. Maybe you just left an airline or hotel job and lost your employer coverage. Maybe you’re a contractor between projects. Maybe you’re new to Irving and still figuring out your options. Short-term plans in Texas can last up to 364 days with a renewal period, and they’re available year-round no waiting for open enrollment.
Because they use medical underwriting, healthy people usually pay significantly less per month than they would on the marketplace. The trade-off: short-term plans do not cover pre-existing conditions, maternity care, or mental health services in most cases. They are best used as a bridge, solid temporary coverage while you figure out your long-term plan.
Top Hospitals and Healthcare Facilities in Irving, TX
When you’re comparing health insurance plans, one of the most important questions is whether your preferred hospital is in-network. Irving has two major medical centers that serve residents across the city and the surrounding area.
Baylor Scott & White Medical Center – Irving
Baylor Scott & White is the largest not-for-profit health system in Texas. The Irving campus is a full-service hospital offering emergency care, surgical services, cardiac care, orthopedics, and women’s health. It serves patients from across western Dallas County, including the Las Colinas and Valley Ranch communities.
Medical City Las Colinas
Medical City Las Colinas is located right in the heart of the Las Colinas Urban Center, making it convenient for the thousands of corporate professionals who work in the area. It offers a range of services, including emergency medicine, surgical care, maternity services, and diagnostic imaging. It is part of HCA Healthcare’s Medical City network.
Important note: Hospital network participation changes. A carrier that covers a hospital today may not cover it next year, or certain doctors within a hospital may be in a different network than the facility itself.
When you work with a health insurance broker in Irving, like Custom Health Plans, we verify your specific hospital and doctor coverage before you enroll. That way, there are no surprises when you actually need care.
How to Get Health Insurance in Irving
Getting covered is a straightforward three-step process.
Step 1: Request a Free QuoteCall us at
(469) 361-4032) or (877) 749-2241, or fill out our
online quote form. Tell us a little about your situation — your age, who you need to cover, your ZIP code, and what matters most to you in a plan.
Step 2: Compare Your Options
We do the shopping. We pull quotes from multiple carriers and show you a clear, side-by-side comparison of what each plan covers, your estimated costs, and which hospitals and doctors are in-network. No jargon, no pressure.
Step 3: Enroll and Get Covered
Once you choose a plan, we handle the paperwork and walk you through the enrollment process. And we don’t disappear after you sign up. If you have questions about a bill, need to add a family member, or want to review your plan at renewal, we’re here to help.
There is no cost to you. Insurance brokers are paid by the carriers, not by you. You get the same price or better than if you bought directly from the carrier, plus you get expert guidance and a real person in your corner.
Why Irving Residents Choose Custom Health Plans
We know the Irving market. Our office is in Plano, just a short drive from Irving and Las Colinas. We work with clients in Dallas County every day. We know which carriers perform best in this area, which networks include the hospitals Irving residents actually use, and what plan types work best for the different types of workers and families in this city.
30+ years of experience in Texas health insurance. The rules change every year, new carriers enter and exit markets, network configurations shift, and plan options evolve. We stay on top of it so you don’t have to spend hours figuring it out yourself.
We’re independent. We don’t work for Blue Cross, United Healthcare, or anyone else. We work for you. That means we can be honest with you about which carrier genuinely fits your situation, not the one that happens to pay us more.
We specialize in alternative plans. If the marketplace doesn’t have what you need, which is common for Irving residents who need a PPO, earn too much for subsidies, or are self-employed, we know exactly where to look. Short-term plans, association health plans, and private market PPOs are what we do.
We speak your language. Irving is one of the most diverse cities in the DFW area. We serve clients from a wide range of backgrounds and are committed to making the health insurance process clear and accessible for everyone, regardless of where they came from or how long they’ve been in the U.S.
