Harbor Health Insurance Plans
Get a $0 deductible health plan built by the same team that runs your doctor’s office.
Harbor Health runs its own clinics and plans, so your doctors and coverage work together!
By Wiley Long III, President – HSA for America
Reviewed by Whitney Kline – Fact checked by Misty Berryman – Updated 10/28/2026
$0 deductible
$0 primary care
$0 Express Care
3 counties
See Harbor Health Plan Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Why Austin Families Are Looking at Harbor Health
Most health plans make you pay thousands of dollars before they pay much of anything.
On a typical Marketplace plan, you spend down a deductible first, and every doctor visit starts to feel like a financial decision. When care feels expensive, it gets easy to put off the visit you actually need.
Harbor Health takes a different approach. The same company runs the clinics and the health plan, so your doctor, your records, and your benefits all live in one system. On Harbor’s featured plans, primary care, mental health visits, and walk-in Express Care all cost $0, with no deductible to meet first.
Harbor Health Insurance Company, Inc. is a Texas-licensed HMO. For 2026, its individual and family plans are sold only in Travis, Williamson, and Hays counties, so your county decides whether Harbor is an option for you.
Harbor Health Costs, Plan by Plan
| What you pay | Gold G1 | Silver S5 | Silver S6 | Gold G1S (standard) |
|---|---|---|---|---|
| Deductible (individual) | $0 | $0 | $0 | $2,000 |
| Out-of-pocket max (individual) | $10,150 | $3,350 | $2,000 | $8,200 |
| Primary care visit | $0 | $0 | $0 | $30 |
| Specialist, with PCP referral | $0 | $0 | $0 | $60 |
| Specialist, no referral | 50% | 50% | 20% | $60 |
| Mental health visit | $0 | $0 | $0 | $30 |
| Express Care visit | $0 | $0 | $0 | $30 |
| Urgent care | $50 | $40 | $30 | $45 |
| Emergency room | 50% | 50% | 20% | 25% after deductible |
| Generic drugs (30-day) | $10 | $30 | $5 | $15 |
How Harbor Health Works
Getting started takes a few steps, and you can see a doctor before your card arrives.
Get a quote.
Tell us your county and who needs a plan. Harbor is available only in Travis, Williamson, and Hays counties.
Choose your plan.
Compare the $0 deductible plans with the standard plans, and see whether you qualify for tax credits or extra savings.
Enroll.
Sign up during Open Enrollment or a Special Enrollment Period. Your plan is active once your first payment posts.
Pick a primary care provider.
Start with a Harbor clinic or any in-network primary care provider, who can refer you to specialists.
Get care.
Your member ID card arrives in 10 to 20 days, but you do not need it to be seen.
Harbor Health Plan Features
GOLD G1
$0 deductible
Harbor's lowest monthly premium among its featured plans.
- $0 primary care, mental health, and Express Care
- $0 specialists with a PCP referral
- Out-of-pocket max $10,150 individual
- Hospital, ER, and brand-name drugs at 50%
SILVER S5
$0 deductible
For households that qualify for extra Marketplace savings.
- $0 primary care, mental health, and Express Care
- $0 specialists with a PCP referral
- Out-of-pocket max $3,350 individual
- Generic drugs $30, preferred brands $50
SILVER S6
$0 deductible
The strongest cost sharing in the lineup, at the highest savings level.
- $0 primary care, mental health, and Express Care
- $0 specialists with a PCP referral
- Out-of-pocket max $2,000 individual
- Hospital and ER at 20%; generics $5
STANDARD PLANS
G1S, S1S, S4S, S5S, S6S
A traditional design with a deductible and flat copays.
- Deductibles from $0 to $6,000
- Primary care copays from $0 to $40
- Flat specialist copay, referral or not
- Coinsurance after the deductible for hospital care
Harbor Health Plans Side by Side
Harbor Health Plans Side by Side
| Plan | Metal | Deductible (ind / fam) | Out-of-pocket max (ind / fam) | Primary care | Specialist | Generic drugs |
|---|---|---|---|---|---|---|
| G1 | Gold | $0 / $0 | $10,150 / $20,300 | $0 | $0 with referral | $10 |
| G1S | Gold | $2,000 / $4,000 | $8,200 / $16,400 | $30 | $60 | $15 |
| S1 | Silver | $9,900 / $19,800 | $10,150 / $20,300 | $0 | $0 with referral | $30 |
| S1S | Silver | $6,000 / $12,000 | $8,900 / $17,800 | $40 | $80 | $20 |
| S4 (CSR) | Silver | $7,900 / $15,800 | $8,100 / $16,200 | $0 | $0 with referral | $30 |
| S4S (CSR) | Silver | $3,000 / $6,000 | $7,400 / $14,800 | $40 | $80 | $20 |
| S5 (CSR) | Silver | $0 / $0 | $3,350 / $6,700 | $0 | $0 with referral | $30 |
| S5S (CSR) | Silver | $700 / $1,400 | $3,300 / $6,600 | $20 | $40 | $10 |
| S6 (CSR) | Silver | $0 / $0 | $2,000 / $4,000 | $0 | $0 with referral | $5 |
| S6S (CSR) | Silver | $0 / $0 | $2,200 / $4,400 | $0 | $10 | $0 |
Family amounts are double the individual amounts. CSR plans are available only to households that qualify for extra Marketplace savings.
See What Harbor Health Actually Costs You
A Harbor Health plan is worth comparing if you live in Travis, Williamson, or Hays County and your doctors are in Harbor’s network.
Tell us your state and we will quote Harbor Health against every other plan available where you live, so you can see the real numbers side by side instead of guessing from a premium alone.
Or call us directly: 800-913-0172
The Honest Harbor Health Trade-offs
What works well
- Featured plans charge $0 for the deductible, primary care, mental health, and Express Care.
- Specialist visits can cost $0 when your primary care provider refers you.
- Your clinic and your health plan share one system and one record.
- Tax credits apply, and some households pay $0 a month after credits.
- Emergencies are handled at any hospital at your normal ER cost share.
What to watch
- Plans are sold only in Travis, Williamson, and Hays counties for 2026.
- Harbor plans are HMOs. Outside the network, you pay the full cost of non-emergency care.
- Skip the referral, and specialist visits jump to 50% on the G1 and S5.
- The G1 out-of-pocket max is high, at $10,150 per person.
- Brand-name and specialty drugs cost 50% on the G1.
- Physical therapy is limited to 30 visits a year, and no plan works with an HSA.
Conclusion
Harbor Health is a strong fit if you live in Travis, Williamson, or Hays County and want low, predictable costs for everyday care. The $0-deductible plans work best for people who are comfortable staying in network and getting referrals. If you want an HSA or need care outside Central Texas, compare other options before you enroll.
Harbor Health Benefits Worth Knowing About
One team, one record
Because Harbor runs both the clinics and the plan, your care team can see your history, book your referrals, and check your benefits in one place. You spend less time on hold between offices.
Mental health without a referral
Therapy and psychiatry visits are $0 on most plans, including video visits through in-network services like SonderMind and Headway.
Specialist visits for $0
On the featured plans, a referral from a Harbor or in-network primary care provider brings many specialist visits down to $0. You never have to get a referral, but it is the easiest way to save.
A nurse line for urgent questions
When you are not sure where to go, a nurse can help you choose the right next step before you head to the ER.
Walk-in Express Care
Express Care visits are $0 on the featured plans, and you do not need to be an existing patient to book one.
$0 delivery for local members
Prenatal visits are $0 as preventive care, and In-Area members pay $0 for delivery at Harbor and in-network facilities.
Common Questions About Harbor Health Insurance
Q: Where are Harbor Health insurance plans available?
A: For 2026, Harbor Health individual and family plans are sold only in Travis, Williamson, and Hays counties in Central Texas. Harbor says it plans to bring its insurance to more markets in 2027. If you live outside those three counties, ask us which lower-cost plans are available where you live.
Q: Do I need a referral to see a specialist?
A: No, but a referral usually saves you money. On the featured plans, many specialist visits cost $0 when a Harbor or in-network primary care provider refers you. Without a referral, you pay 50% on the Gold G1 and Silver S5, or 20% on the Silver S6.
Q: Can a tax credit lower my Harbor Health premium?
A: Yes. Harbor plans are sold through the Health Insurance Marketplace, so premium tax credits apply if you qualify. Harbor bills you only the amount left after your credit, which can be $0 a month. Households that qualify for extra savings may also see the S5 and S6 plans.
Q: Do Harbor Health plans have a deductible?
A: Some do and some do not. The featured Gold G1, Silver S5, and Silver S6 plans have a $0 deductible. Harbor’s standard plans use a traditional deductible of up to $6,000 per person, and the Silver S1 pairs a $9,900 deductible with $0 primary care visits.
Q: What if I need emergency care outside the Harbor Health network?
A: Go get care. Harbor treats emergencies the same way at any hospital, including out-of-network hospitals, so you pay your plan’s normal ER cost share instead of the full bill. Non-emergency care outside the network is different, because Harbor plans are HMOs and you pay that cost yourself.
Q: Can I keep my current doctor with Harbor Health?
A: If your doctor is in Harbor’s network, yes. If not, and you are in the middle of treatment, you may qualify for a temporary transition of care request. Otherwise, visits with an out-of-network doctor are yours to pay in full, so ask us to check your doctors before you enroll.
What Our Clients Say
We have helped over 16 thousand people find health insurance or a health sharing plan.
“I was paying way too much through my old insurance broker. HSA for America helped me find a health plan that cut my monthly premium nearly in half. It’s been a total game-changer for my budget.”
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– Susan Lee, Albuquerque, NM
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– Derek P., Reno, NV
Have More Questions?
You can see your rates and enroll online whenever you are ready. If you would rather have questions answered first, schedule a time with one of our Personal Benefits Managers. They can make sure you are on the lower cost membership that fits your household, and get you enrolled.
It is a short conversation, and you will finish it with your questions answered.
For over 20 years we have helped individuals, families, and small businesses find better healthcare at a lower cost.
Phone: 800-913-0172
Hours: Monday to Friday, 8am to 6pm MT
See Harbor Health Plan Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Or call 800-913-0172
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