Montgomery County is better covered than Texas as a whole: 17.4% of under-65 residents uninsured against a state average of 19.1%, or roughly 111,335 people. It is the 65th lowest of the 254 counties in Texas. Where employer coverage is this widespread, losing it tends to arrive as more of a shock — most people here have never bought their own plan.
Montgomery County against Texas, and against the counties we cover
| Montgomery County | Texas | Covered counties | |
|---|---|---|---|
| Uninsured, under 65 | 17.4% | 19.1% | 13.0% |
| Marketplace enrollees per 1,000 | 117 | — | 127 |
| Insurers selling here | 8 | 6 (median) | 5 |
| Individual plans offered | 112 | — | 84 |
State uninsured rate from the Census SAHIE series; the final column is the median across the 104 counties covered on this site. Enrollment density is CMS plan selections per 1,000 under-65 residents.
What you can actually buy here
8 insurers sell into Montgomery County. This is a crowded market by national standards. Crowded markets are cheaper on average and much harder to shop, because the plan names stop meaning anything by the third carrier and the differences that matter get buried in documents nobody opens. Between them they offer 112 plans, about 14 for each insurer, which is a normal-sized list to work through once you know which network you need. The count is unchanged from last year, so the networks you compared previously still stand.
75,204 people here bought marketplace coverage for 2026, about 117 per thousand under-65 residents. That sits near the middle of the counties covered on this site: a working individual market, but most local coverage still arrives through an employer. 13,107 of them were new consumers and 62,097 were renewals — a 17% new share, close to the national pattern. Roughly one in six enrollees here arrived within the year.
Nearest counties on coverage
The counties we cover in Texas whose uninsured rate sits closest to Montgomery County. Worth a look if you are comparing across a county line or moving.
| County | Uninsured | Insurers | Enrollees |
|---|---|---|---|
| Brazos County | 17.3% | 4 | 18,404 |
| Midland County | 17.0% | 4 | 26,713 |
| Bexar County | 18.1% | 9 | 299,950 |
| Lubbock County | 16.6% | 5 | 53,334 |
| McLennan County | 18.3% | 3 | 20,502 |
| Parker County | 16.3% | 5 | 14,340 |
Everything that applies in Texas · How COBRA works · Work out your COBRA premium · After a job ends
Common questions
How many people are uninsured in Montgomery County?
About 111,335 people under 65, out of 640,879 in that age group — 17.4%, the 65th lowest of the 254 counties in Texas. The Texas average is 19.1%. Census Bureau estimates for 2024, the most recent published.
How many health insurers sell in Montgomery County?
8 insurers offer individual marketplace plans in Montgomery County for 2026, unchanged from the year before, and between them they sell 112 individual medical plans. The median across the counties covered on this site is 5 insurers and 84 plans.
How many people in Montgomery County buy marketplace coverage?
75,204 plan selections for 2026 — 13,107 new consumers and 62,097 renewals. That works out at 117 per thousand under-65 residents, against a median of 127 across the counties covered here. New consumers are the group most likely to have lost a job during the year.
Talk it through with a licensed agent
Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.
Free to call, no obligation, and we never ask you for payment. CobraScout is paid by the agency that answers, not by you. TTY 711.
Sources
- U.S. Census Bureau, Small Area Health Insurance Estimates, 2024 (released August 2026)
- Centers for Medicare & Medicaid Services, 2026 Marketplace Open Enrollment County-Level Public Use File
- Centers for Medicare & Medicaid Services, 2026 Service Area Public Use File
- Centers for Medicare & Medicaid Services, 2026 Plan Attributes Public Use File
- U.S. Department of Labor, FAQs on COBRA Continuation Health Coverage for Workers