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Panhandle · Texas
Affordable Healthcare in the Panhandle and South Plains
Amarillo, Lubbock, Canyon, Plainview and Wichita Falls. Farm, ranch and feedyard country, where many families buy their own plan.
- Free, no obligation
- Not an insurance agency
- Honest about the limits
Thanks, we've got it.
We'll look at direct primary care options in your area and contact you with your estimate.
Prefer to talk now? Call (214) 307-8614Buying your own plan in the Panhandle & South Plains
Farm and ranch families have always bought their own coverage. Texas individual-plan prices rose about 34.7% on average for 2026, and for 2027 insurers proposed increases from about 1% to 31% depending on the company (source).
Most Panhandle and South Plains households who call us are farmers and ranchers, feedyard and ag-business owners, truckers, and couples who've handed the operation to the next generation before 65.
Cities we help in the Panhandle & South Plains
- Amarillo · Potter and Randall counties
Northwest Texas Healthcare System and BSA Health System. - Canyon · Randall County
Home of West Texas A&M, just south of Amarillo. - Lubbock · Lubbock County
UMC Health System and Covenant Health; the medical center for the South Plains. - Plainview · Hale County
Farming town between Lubbock and Amarillo. - Wichita Falls · Wichita County
United Regional Health Care System; near Sheppard Air Force Base. - Dumas, Hereford and Pampa · Moore, Deaf Smith and Gray counties
Small towns built on farming, cattle and feedyards.
Don't see your town? We help anywhere in Texas. Tell us where you are.
Outline simplified. This region is highlighted; tap another region's city to open its guide.
Farm and ranch: what health sharing does and doesn't handle
Ranch work comes with injuries: a kick, a fall from equipment, a cut that needs stitches. Under health sharing, each new injury or illness is its own Need. You pay up to your Initial Unshareable Amount, then submit eligible bills, at any hospital, because there's no network.
Two things to know before you rely on it. First, workers' compensation may apply if you have hired hands or work through an employer, and health sharing may not share injuries that another source should pay. Second, ongoing conditions are phased in over three years, so check the rules for anything you're already treating.
A virtual primary care membership also helps when the nearest clinic is an hour away. Many everyday problems can be handled by phone or video, so you don't lose a day in the field.
Who it fits here, and who should stay on insurance
Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.
Usually better on insurance: anyone who qualifies for Texas Medicaid or CHIP, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.
In this region specifically: If anyone in the household works off the farm for an employer with a good plan (a school, a hospital or a co-op), compare that plan first.
Not sure which side you're on? Tell us about your household or call (214) 307-8614.
Illustrative example · October 2026
Hereford farm family, oldest 52
$844.30 /month
Member + family, oldest member 50–59, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.
Questions we hear from this region
Does health sharing work if I get hurt working cattle?
Usually, yes: a new accidental injury is a new Need, and eligible bills above your Initial Unshareable Amount can be shared. If workers' compensation or another source should pay, that comes first. Read the guidelines on work injuries before you join.
Can I use Northwest Texas, BSA, UMC or Covenant hospitals?
Yes. There's no provider network. Pay as a self-pay patient, then submit eligible bills. Call the sharing program before planned care.
Is this health insurance?
No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. Texas has no state penalty for going without insurance.
Other regions: Dallas–Fort Worth · Houston & the Gulf Coast · Austin & Central Texas · San Antonio & the Hill Country · South Texas & the Rio Grande Valley · West Texas & El Paso · East Texas
Read more: every option compared · what it costs · health sharing in Texas · direct primary care
Sources
Compare your options in the Panhandle & South Plains
Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.
Free, no obligation. Texas households only.