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Individual & Family Health Plans · Imperial Insurance Companies, Inc.
Individual & Family plans in Bexar County.
Imperial Insurance Companies, Inc. offers Individual & Family HMO plans through the ACA Marketplace for residents of Bexar County, Texas. Plans are offered both On Exchange (through Healthcare.gov) and Off Exchange (direct enrollment). Schedule of Benefits documents are the same across all Texas counties and are listed below.
Imperial Insurance Companies, Inc. offers five plan families across Bronze, Silver, and Gold tiers for residents of Bexar County. Each plan family is available On Exchange (through Healthcare.gov or a certified enrollment partner, where subsidies can be applied) and Off Exchange (direct enrollment, no subsidy). Silver plans also include Cost-Sharing Reduction (CSR) variants for qualifying households.
Select the Schedule of Benefits link for the specific plan variant to see cost-sharing, deductibles, and covered services. Select the Summary of Benefits and Coverage link to see the complete Evidence of Coverage (policy document) for your plan family.
On Exchange vs. Off Exchange
On Exchange plans are sold through Healthcare.gov or a certified enrollment partner. Premium tax credits (subsidies) and Cost-Sharing Reductions can only be applied to On Exchange plans. If you expect to qualify for financial assistance, choose an On Exchange plan. Off Exchange plans are purchased directly from Imperial Insurance Companies, Inc. without going through Healthcare.gov. Benefits and networks are comparable, but subsidies cannot be applied. Off Exchange plans may suit members who do not qualify for subsidies and prefer a direct relationship.
Bronze
Lower monthly premium
Higher deductible and out-of-pocket costs. Best fit if you want coverage for unexpected events and generally need limited routine care.
Silver
Balanced premium & cost-sharing
The only tier eligible for Cost-Sharing Reductions (CSR) if your income qualifies. CSR can significantly lower deductibles and copays.
Gold
Higher monthly premium
Lower deductible and out-of-pocket costs. Best fit if you use your plan regularly and want predictable costs at the point of care.
Most Bexar County residents shopping on the Marketplace qualify for premium tax credits. Check your eligibility before you compare plans — subsidies are only available on On Exchange plans.
Texas has two Evidence of Coverage documents — one for Standard plan tiers, one for Preferred plan tiers. Each plan's Summary of Benefits and Coverage links to the correct one below.
2027 plans are now available. Compare plans and enroll.
Coverage begins January 1, 2027. Enrollments made during Open Enrollment take effect January 1 — your current 2026 coverage continues through December 31, 2026.
Available plans in Bexar County, Texas
The following plans are available for enrollment during Open Enrollment (November 1 – February 15). Coverage is effective January 1, 2027. Schedule of Benefits documents will be posted as they are accepted. Check back or call Member Services if a document is not yet available.
Texas has two Evidence of Coverage documents — one for Classic plan tiers, one for Preferred plan tiers. Each plan's Summary of Benefits and Coverage links to the correct one below.
A consumer-friendly overview of Imperial's 2027 Individual & Family plans in Texas, including plan tiers, key benefits, and how to enroll. Available once 2027 materials are finalized.
Schedule of Benefits and Summary of Benefits and Coverage documents are available in English. Evidence of Coverage is available under "Evidence of Coverage (Policy Document)" above. Spanish translation of this page is available via the language toggle.
Search the Imperial Insurance Companies network for in-network physicians, hospitals, behavioral health providers, and pharmacies near you. Always confirm your provider accepts your specific plan before scheduling an appointment.
Imperial Insurance Companies, Inc. offers health insurance products through the ACA Health Insurance Marketplace in Texas and is regulated by the Texas Department of Insurance and the U.S. Centers for Medicare & Medicaid Services.
ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Call 1-800-595-0619 (TTY: 711).
ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-595-0619 (TTY: 711).
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