Texas households spend a fairly average share of their income on health insurance compared with the rest of the country - but that middle-of-the-road ranking masks a much harder reality in Kerr County, where roughly one in four working-age adults has no coverage at all, and a new round of double-digit premium increases is already headed for 2027.

A new WalletHub analysis released this month ranks Texas 22nd out of 50 states and Washington, D.C., for health insurance cost burden, with the average silver-tier plan premium consuming 9. 95% of median monthly household income.

That's just below the national midpoint.