2026 plan year · Texas
2026 health insurance plans in Caldwell County, TX
96 Marketplace plans from 7 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $610benchmark silver (age 40)
- $387cheapest bronze (age 40)
- 7insurers
- +16.5%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $352 | $450 | $956 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $491 | $628 | $1,334 | $7,300 | $10,600 | 40% Coinsurance after deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $303 | $387 | $822 | $7,500 | $10,000 | $50 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $307 | $392 | $833 | $8,500 | $9,900 | $50 |
| CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $307 | $392 | $833 | $7,450 | $9,850 | $60 |
| CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $315 | $403 | $856 | $8,500 | $9,900 | $50 |
| CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $316 | $404 | $857 | $7,450 | $9,850 | $60 |
| Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist Sendero Health Plans, Local Nonprofit · HMO | $339 | $433 | $919 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $356 | $455 | $967 | $6,000 | $10,600 | $50 |
| Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs Sendero Health Plans, Local Nonprofit · HMO | $359 | $459 | $975 | $8,550 | $9,800 | $25 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $361 | $462 | $980 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint · HMO | $362 | $463 | $983 | $6,000 | $10,600 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $368 | $470 | $999 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint · HMO | $372 | $475 | $1,010 | $4,000 | $8,450 | 40% Coinsurance after deductible |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $376 | $481 | $1,021 | $5,500 | $10,600 | $30 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $379 | $485 | $1,029 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $380 | $486 | $1,032 | $4,500 | $10,600 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $381 | $486 | $1,033 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $390 | $498 | $1,057 | $0 | $10,600 | $45 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $417 | $533 | $1,132 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Bronze Classic Standard Oscar Insurance Company · EPO | $431 | $551 | $1,170 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $436 | $558 | $1,184 | $4,700 | $9,800 | $70 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $438 | $559 | $1,188 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $445 | $569 | $1,208 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $456 | $583 | $1,237 | $0 | $10,150 | $40 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $500 | $639 | $1,357 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $501 | $640 | $1,359 | $6,000 | $10,150 | $45 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $514 | $657 | $1,396 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $531 | $678 | $1,441 | $7,000 | $10,150 | $75 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs Sendero Health Plans, Local Nonprofit · HMO | $476 | $608 | $1,291 | $6,000 | $8,900 | $40 |
| CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $477 | $610 | $1,295 | $6,000 | $8,900 | $40 |
| Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugs Sendero Health Plans, Local Nonprofit · HMO | $489 | $625 | $1,327 | $4,250 | $7,750 | $20 |
| CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $490 | $627 | $1,331 | $6,900 | $9,300 | $5 |
| CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $504 | $645 | $1,369 | $6,900 | $9,300 | $5 |
| Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible Sendero Health Plans, Local Nonprofit · HMO | $521 | $666 | $1,415 | $0 | $9,200 | $40 |
| UHC Silver Standard UnitedHealthcare · HMO | $542 | $692 | $1,471 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $551 | $704 | $1,494 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $551 | $704 | $1,496 | $3,500 | $9,200 | $15 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $563 | $720 | $1,528 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $564 | $720 | $1,530 | $3,500 | $9,200 | $15 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $580 | $741 | $1,574 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $585 | $748 | $1,589 | $3,500 | $9,950 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $588 | $751 | $1,595 | $1,850 | $9,100 | $10 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $591 | $756 | $1,605 | $3,500 | $9,950 | $25 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $609 | $778 | $1,653 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $613 | $784 | $1,665 | $4,000 | $9,550 | $25 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $614 | $784 | $1,666 | $2,500 | $9,900 | $20 |
| Standard Silver Ambetter from Superior HealthPlan · EPO | $639 | $817 | $1,734 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter from Superior HealthPlan · EPO | $642 | $821 | $1,743 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan · EPO | $648 | $828 | $1,759 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $663 | $847 | $1,799 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $665 | $850 | $1,806 | $5,750 | $10,150 | $10 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $666 | $852 | $1,808 | $6,300 | $8,400 | $40 |
| Silver Classic Standard Oscar Insurance Company · EPO | $670 | $856 | $1,818 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $673 | $860 | $1,825 | $5,000 | $8,650 | $30 |
| Silver Classic Oscar Insurance Company · EPO | $679 | $868 | $1,843 | $5,500 | $8,900 | $35 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $807 | $1,031 | $2,190 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $816 | $1,043 | $2,215 | $1,450 | $10,600 | No Charge |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $823 | $1,052 | $2,234 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $826 | $1,056 | $2,243 | $6,000 | $8,900 | $40 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $847 | $1,082 | $2,298 | $0 | $10,150 | $115 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $398 | $509 | $1,081 | $2,000 | $8,200 | $30 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $404 | $516 | $1,096 | $3,750 | $9,200 | $5 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $415 | $530 | $1,125 | $3,750 | $9,200 | $5 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $420 | $537 | $1,140 | $0 | $9,200 | $5 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan · HMO | $433 | $554 | $1,176 | $0 | $9,200 | $5 |
| Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugs Sendero Health Plans, Local Nonprofit · HMO | $452 | $577 | $1,226 | $2,000 | $8,200 | $30 |
| Sendero Health Real Gold / $350 Deductible Sendero Health Plans, Local Nonprofit · HMO | $459 | $587 | $1,247 | $350 | $8,750 | 30% Coinsurance after deductible |
| UHC Gold Standard UnitedHealthcare · HMO | $468 | $598 | $1,269 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $478 | $611 | $1,298 | $0 | $7,800 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $480 | $613 | $1,303 | $1,000 | $7,500 | $15 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $484 | $619 | $1,314 | $800 | $9,000 | $10 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $486 | $621 | $1,319 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $487 | $622 | $1,321 | $1,500 | $5,000 | $45 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $491 | $628 | $1,333 | $0 | $7,800 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $493 | $629 | $1,337 | $1,000 | $7,500 | $15 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $508 | $650 | $1,380 | $700 | $7,500 | $20 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $510 | $652 | $1,385 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $512 | $654 | $1,388 | $1,000 | $8,950 | $20 |
| Gold Classic Standard Oscar Insurance Company · EPO | $570 | $729 | $1,547 | $2,000 | $8,200 | $30 |
| Gold Classic Oscar Insurance Company · EPO | $579 | $740 | $1,571 | $2,500 | $8,000 | $25 |
| Standard Gold Ambetter from Superior HealthPlan · EPO | $584 | $747 | $1,585 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter from Superior HealthPlan · EPO | $587 | $750 | $1,593 | $800 | $7,250 | $35 |
| Gold Elite Oscar Insurance Company · EPO | $591 | $755 | $1,604 | $1,200 | $7,800 | $25 |
| Complete Gold Ambetter from Superior HealthPlan · EPO | $597 | $764 | $1,621 | $1,450 | $7,500 | $15 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $606 | $774 | $1,644 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $609 | $778 | $1,652 | $800 | $7,250 | $35 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $620 | $792 | $1,682 | $1,450 | $7,500 | $15 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $680 | $869 | $1,844 | $550 | $10,100 | $30 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $689 | $880 | $1,869 | $2,400 | $10,400 | No Charge |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $694 | $886 | $1,883 | $2,000 | $8,200 | $30 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $697 | $891 | $1,891 | $1,700 | $10,150 | $20 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $724 | $925 | $1,965 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| CHRISTUS Catastrophic (3 Free PCP visits) CHRISTUS Health Plan · HMO | $252 | $322 | $683 | $10,600 | $10,600 | No Charge after Deductible |
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint · HMO | $339 | $433 | $919 | $10,600 | $10,600 | $40 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas · HMO | $493 | $630 | $1,337 | $10,600 | $10,600 | $20 |
Care quality in Caldwell County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Caldwell County.
Frequently asked questions
How many Marketplace health plans are available in Caldwell County, TX for 2026?
96 plans from 7 insurers: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, Oscar Insurance Company, Sendero Health Plans, Local Nonprofit, UnitedHealthcare, WellPoint.
What is the benchmark silver plan premium in Caldwell County, TX?
For 2026, the second-lowest-cost silver plan costs $610 a month for a 40-year-old before tax credits, up 16.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Caldwell County, TX?
The lowest bronze premium for a 40-year-old is $387 a month before tax credits. Bronze plans have low premiums but high deductibles.