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San Antonio · Texas

Affordable Healthcare in San Antonio and the Hill Country

San Antonio, New Braunfels, Boerne, Seguin, Kerrville and Fredericksburg. Military City USA, and the Hill Country towns where many people retire early.

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Buying your own plan in San Antonio & the Hill Country

San Antonio and the Hill Country draw people who retire before 65, from the military and from everywhere else, and those are the most expensive years to buy your own plan. Since the extra federal tax credits ended, households above 400% of the federal poverty level ($63,840 for one person, $132,000 for a family of four) get no credit at all (source).

The households who call us from here are often early retirees, veterans' families, Hill Country tourism and ranch businesses, and contractors working the I-35 growth corridor.

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Cities we help in San Antonio & the Hill Country

  • San Antonio · Bexar County
    University Health, Methodist Hospital, Baptist Health System and CHRISTUS Santa Rosa hospitals; Brooke Army Medical Center serves military beneficiaries.
  • New Braunfels · Comal County
    Fast-growing city on I-35 with hospitals from CHRISTUS Santa Rosa and others.
  • Boerne · Kendall County
    Hill Country town northwest of San Antonio; many small-business owners and early retirees.
  • Seguin · Guadalupe County
    Served by Guadalupe Regional Medical Center.
  • Kerrville · Kerr County
    Peterson Regional Medical Center serves much of the western Hill Country.
  • Fredericksburg · Gillespie County
    Wine and tourism economy; many seasonal and self-employed workers, with a community hospital in town.

Don't see your town? We help anywhere in Texas. Tell us where you are.

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Outline simplified. This region is highlighted; tap another region's city to open its guide.

Military families: who TRICARE covers, and who it doesn't

San Antonio has one of the largest military communities in the country. If you're a military retiree, TRICARE usually covers you and your family, and you probably don't need anything on this site.

The gap is for people who served but didn't retire from the military. VA health care is for the veteran, and spouses and children generally aren't covered by TRICARE. Those families often buy their own plan, and that's where the alternatives come in.

Health sharing doesn't use a provider network, so you can use any licensed hospital as a self-pay patient. It isn't insurance and it phases in pre-existing conditions, so families with an ongoing condition should usually stay on an ACA plan. We'll go through it honestly.

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 you're a military retiree with TRICARE, you usually don't need health sharing. Check your TRICARE options first.

Not sure which side you're on? Tell us about your household or call (214) 307-8614.

Illustrative example · October 2026

Boerne couple retired early, oldest 61

$849.40 /month

Member + spouse, oldest member 60–64, $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.

See the full price table →

Questions we hear from this region

I'm a veteran. Does my family need its own plan?

If you're a military retiree, TRICARE usually covers your family. If you served but didn't retire, VA care is generally for you, not your spouse and children, so they may need their own plan. Compare a Marketplace plan with the alternatives.

Can I use University Health or Methodist with health sharing?

Yes. There's no provider network, so you can use any licensed hospital as a self-pay patient and 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 · South Texas & the Rio Grande Valley · West Texas & El Paso · the Panhandle & South Plains · East Texas

Read more: every option compared · what it costs · health sharing in Texas · direct primary care

Written and reviewed by Graham Kerswell. Last updated October 19, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in San Antonio & the Hill Country

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (214) 307-8614

Free, no obligation. Texas households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Texas notice (Texas Insurance Code § 1681.002)
Texas law requires a health care sharing ministry to give this notice on or with its applications and guideline materials: “Notice: This health care sharing ministry facilitates the sharing of medical expenses and is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the ministry or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills. Complaints concerning this health care sharing ministry may be reported to the office of the Texas attorney general.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Texas law (Texas Occupations Code § 162.253), a direct primary care medical service agreement is not health or accident insurance and is not regulated by the Texas Department of Insurance. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. A discount health care program is NOT insurance (Texas Insurance Code ch. 562). It provides discounts at participating providers and does not make payments to providers; the member pays the entire discounted rate. The program does not guarantee the quality of the services or products offered by individual providers. Discount program operator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Texas is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.