Freeport is a port city of approximately 12,000 residents in southern Brazoria County, situated at the mouth of the Brazos River on the Texas Gulf Coast. The city's economy centers on the Port of Freeport — one of the deepest ports on the Texas coast — and the surrounding petrochemical complex operated by BASF, Dow Chemical, and other major producers. Freeport's working population spans port operations, chemical manufacturing, fishing, and support services.
Like many smaller Gulf Coast communities, Freeport has a significant number of residents without employer-sponsored health insurance. Texas has not expanded Medicaid and has over 5.4 million uninsured residents. For those who need individual coverage, the ACA marketplace at HealthCare.gov provides access to subsidized plans.
Brazoria County's ACA marketplace for 2026 includes three carriers:
Texas has not expanded Medicaid. Adults earning below 100% FPL ($15,960 for a single adult in 2026) generally fall into a coverage gap with no access to marketplace subsidies or Medicaid. This disproportionately affects lower-income port and service workers in communities like Freeport.
For those who qualify (100–400% FPL), the 8.5% income cap limits premium responsibility. Cost-sharing reductions on Silver plans reduce deductibles and copays for residents earning 100–250% FPL.
| Annual Income (Single Adult) | % of FPL | Subsidy Status | Est. Net Monthly Cost (Silver) |
|---|---|---|---|
| Below $15,960 | Below 100% | Texas coverage gap — no subsidy | Full premium (no assistance) |
| $15,960 – $23,940 | 100–150% | Maximum subsidy + Enhanced Silver CSRs | $0 – $28/month |
| $23,941 – $31,920 | 150–200% | Strong subsidy + Silver CSRs | $28 – $80/month |
| $31,921 – $47,880 | 200–300% | Meaningful subsidy | $80 – $185/month |
| $47,881 – $63,840 | 300–400% | Moderate subsidy | $185 – $310/month |
Estimates for a single 40-year-old on a benchmark Silver plan in Brazoria County. Not guaranteed quotes.
Brazosport Regional Health System, now affiliated with CHI St. Luke's Health, is the primary hospital serving Freeport and the surrounding Brazosport area. The facility provides emergency, surgical, and primary care services. For specialized care, UTMB Health in Galveston and the major Houston hospital systems are within a 60–90 minute drive. The Texas Medical Center in Houston provides access to world-class specialty care.
Confirm that Brazosport Regional and your preferred providers are in-network for your chosen ACA plan. BCBS Texas generally includes CHI St. Luke's facilities.
Freeport residents enroll through HealthCare.gov using their Brazoria County zip code. Open enrollment for 2026–2027 runs November 1, 2026 through January 15, 2027. Qualifying life events trigger a 60-day Special Enrollment Period.
Ready to compare Freeport health insurance plans? A licensed agent can help at no cost to you.
Get a Free QuoteAlso see: Brazoria County health insurance guide · Texas Gulf Coast Health Insurance