2026 plan year · Texas
2026 health insurance plans in El Paso County, TX
110 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.
- $594benchmark silver (age 40)
- $376cheapest bronze (age 40)
- 7insurers
- +24.3%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, Molina Healthcare. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Imperial Preferred Bronze Imperial Insurance Companies, Inc. · HMO | $324 | $414 | $879 | $9,200 | $9,200 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $377 | $481 | $1,022 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $431 | $551 | $1,170 | $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 |
|---|---|---|---|---|---|---|
| MyBlue Health Bronze℠ Standard Blue Cross and Blue Shield of Texas · HMO | $294 | $376 | $798 | $7,500 | $10,000 | $50 |
| MyBlue Health Bronze℠ 402 Blue Cross and Blue Shield of Texas · HMO | $305 | $390 | $829 | $5,000 | $9,000 | No Charge |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. · HMO | $347 | $443 | $940 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $357 | $456 | $968 | $6,000 | $10,600 | $50 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $361 | $462 | $981 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint · HMO | $362 | $463 | $984 | $6,000 | $10,600 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $363 | $464 | $985 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint · HMO | $372 | $476 | $1,010 | $4,000 | $8,450 | 40% Coinsurance after deductible |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $375 | $479 | $1,018 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $375 | $479 | $1,018 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $376 | $480 | $1,019 | $6,000 | $10,150 | $45 |
| 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 | $1,030 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $380 | $485 | $1,030 | $4,700 | $9,800 | $70 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $380 | $486 | $1,032 | $4,500 | $10,600 | $50 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $381 | $487 | $1,034 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $387 | $495 | $1,051 | $5,500 | $10,150 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $394 | $503 | $1,068 | $7,500 | $10,000 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $397 | $507 | $1,077 | $0 | $10,150 | $40 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $407 | $520 | $1,105 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $417 | $532 | $1,131 | $0 | $10,600 | $45 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $451 | $577 | $1,225 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $466 | $595 | $1,264 | $7,000 | $10,150 | $75 |
| Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare · HMO | $488 | $624 | $1,325 | $8,500 | $10,600 | No Charge |
| Connect Bronze 5750 Indiv Med Deductible Cigna Healthcare · HMO | $492 | $629 | $1,336 | $5,750 | $10,600 | $25 |
| Connect myDiabetesCare Bronze Cigna Healthcare · HMO | $495 | $632 | $1,343 | $6,500 | $10,600 | $20 |
| Connect Bronze CMS Standard Cigna Healthcare · HMO | $498 | $636 | $1,351 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| MyBlue Health Silver℠ Standard Blue Cross and Blue Shield of Texas · HMO | $464 | $593 | $1,258 | $6,000 | $8,900 | $40 |
| MyBlue Health Silver℠ 405 Blue Cross and Blue Shield of Texas · HMO | $464 | $594 | $1,260 | $1,500 | $10,600 | No Charge |
| Silver Simple Guided Care Oscar Insurance Company · HMO | $510 | $651 | $1,383 | $6,300 | $9,300 | $10 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. · HMO | $510 | $652 | $1,385 | $6,000 | $8,900 | $40 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. · HMO | $520 | $664 | $1,411 | $7,500 | $9,500 | $10 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company · HMO | $522 | $668 | $1,418 | $6,500 | $10,000 | No Charge |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company · HMO | $526 | $672 | $1,428 | $6,200 | $9,600 | No Charge |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company · HMO | $526 | $673 | $1,429 | $5,900 | $10,150 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company · HMO | $528 | $675 | $1,433 | $6,000 | $10,150 | No Charge |
| Silver Classic Standard Guided Care Oscar Insurance Company · HMO | $535 | $684 | $1,452 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company · HMO | $539 | $689 | $1,462 | $5,750 | $10,150 | $10 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $579 | $740 | $1,571 | $5,750 | $10,150 | $10 |
| UHC Silver Standard UnitedHealthcare · HMO | $579 | $741 | $1,573 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $580 | $741 | $1,575 | $6,000 | $8,900 | $40 |
| Silver Classic Standard Oscar Insurance Company · EPO | $583 | $745 | $1,582 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $586 | $748 | $1,589 | $3,500 | $9,950 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $588 | $751 | $1,596 | $1,850 | $9,100 | $10 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $589 | $753 | $1,598 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $590 | $753 | $1,600 | $3,500 | $9,200 | $15 |
| Silver Classic Oscar Insurance Company · EPO | $591 | $755 | $1,603 | $5,500 | $8,900 | $35 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $592 | $756 | $1,605 | $3,500 | $9,950 | $25 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $602 | $770 | $1,635 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $603 | $771 | $1,636 | $3,500 | $9,200 | $15 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $605 | $774 | $1,643 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $609 | $779 | $1,653 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $612 | $782 | $1,661 | $1,450 | $10,600 | No Charge |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $614 | $784 | $1,666 | $4,000 | $9,550 | $25 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $614 | $785 | $1,666 | $2,500 | $9,900 | $20 |
| Standard Silver Ambetter from Superior HealthPlan · EPO | $652 | $833 | $1,769 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter from Superior HealthPlan · EPO | $655 | $837 | $1,778 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan · EPO | $661 | $845 | $1,795 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $676 | $864 | $1,835 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $680 | $869 | $1,845 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $686 | $877 | $1,862 | $5,000 | $8,650 | $30 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $722 | $923 | $1,959 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $725 | $926 | $1,967 | $6,000 | $8,900 | $40 |
| Connect Silver 4000 Indiv Med Deductible Cigna Healthcare · HMO | $742 | $948 | $2,013 | $4,000 | $9,900 | $15 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $743 | $949 | $2,015 | $0 | $10,150 | $115 |
| Connect Silver 3000 Indiv Med Deductible Cigna Healthcare · HMO | $750 | $958 | $2,035 | $3,000 | $9,900 | $20 |
| Connect Silver CMS Standard Cigna Healthcare · HMO | $754 | $963 | $2,045 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| MyBlue Health Gold℠ 403 Blue Cross and Blue Shield of Texas · HMO | $402 | $514 | $1,091 | $500 | $8,500 | No Charge |
| MyBlue Health Gold℠ Standard Blue Cross and Blue Shield of Texas · HMO | $408 | $521 | $1,107 | $2,000 | $8,200 | $30 |
| Gold Simple Guided Care Oscar Insurance Company · HMO | $453 | $579 | $1,231 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Guided Care Oscar Insurance Company · HMO | $456 | $582 | $1,237 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company · HMO | $458 | $585 | $1,243 | $2,000 | $9,800 | No Charge |
| Gold Classic Guided Care Oscar Insurance Company · HMO | $463 | $591 | $1,256 | $2,500 | $8,000 | $25 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. · HMO | $466 | $595 | $1,263 | $2,000 | $8,200 | $30 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. · HMO | $468 | $598 | $1,270 | $0 | $9,200 | $10 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. · HMO | $470 | $600 | $1,275 | $1,350 | $9,000 | $20 |
| 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 | $1,320 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $487 | $623 | $1,322 | $1,500 | $5,000 | $45 |
| Gold Classic Standard Oscar Insurance Company · EPO | $496 | $634 | $1,346 | $2,000 | $8,200 | $30 |
| UHC Gold Standard UnitedHealthcare · HMO | $500 | $639 | $1,357 | $2,000 | $8,200 | $30 |
| Gold Classic Oscar Insurance Company · EPO | $504 | $644 | $1,367 | $2,500 | $8,000 | $25 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $509 | $650 | $1,380 | $700 | $7,500 | $20 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $510 | $651 | $1,383 | $550 | $10,100 | $30 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $511 | $653 | $1,386 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $512 | $654 | $1,389 | $0 | $7,800 | $15 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $512 | $654 | $1,389 | $1,000 | $8,950 | $20 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $513 | $656 | $1,393 | $1,000 | $7,500 | $15 |
| Gold Elite Oscar Insurance Company · EPO | $514 | $657 | $1,395 | $1,200 | $7,800 | $25 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $520 | $665 | $1,412 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $525 | $671 | $1,425 | $0 | $7,800 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $527 | $673 | $1,430 | $1,000 | $7,500 | $15 |
| Standard Gold Ambetter from Superior HealthPlan · EPO | $596 | $762 | $1,617 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter from Superior HealthPlan · EPO | $599 | $765 | $1,625 | $800 | $7,250 | $35 |
| Connect Gold 3000 Indiv Med Deductible Cigna Healthcare · HMO | $599 | $766 | $1,626 | $3,000 | $7,000 | $15 |
| Connect Gold CMS Standard Cigna Healthcare · HMO | $602 | $769 | $1,633 | $2,000 | $8,200 | $30 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $604 | $772 | $1,639 | $2,400 | $10,400 | No Charge |
| Complete Gold Ambetter from Superior HealthPlan · EPO | $609 | $779 | $1,654 | $1,450 | $7,500 | $15 |
| Connect myDiabetesCare Gold Cigna Healthcare · HMO | $611 | $780 | $1,657 | $2,250 | $8,250 | $10 |
| Connect Gold 1400 Indiv Med Deductible Cigna Healthcare · HMO | $611 | $781 | $1,658 | $1,400 | $9,125 | $10 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $611 | $781 | $1,659 | $1,700 | $10,150 | $20 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $618 | $790 | $1,677 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $621 | $794 | $1,685 | $800 | $7,250 | $35 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $632 | $808 | $1,716 | $1,450 | $7,500 | $15 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $635 | $812 | $1,724 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| 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 | $370 | $472 | $1,003 | $10,600 | $10,600 | $20 |
Care quality in El Paso 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 El Paso County.
Frequently asked questions
How many Marketplace health plans are available in El Paso County, TX for 2026?
110 plans from 7 insurers: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Cigna Healthcare, Imperial Insurance Companies, Inc., Oscar Insurance Company, UnitedHealthcare, WellPoint.
What is the benchmark silver plan premium in El Paso County, TX?
For 2026, the second-lowest-cost silver plan costs $594 a month for a 40-year-old before tax credits, up 24.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in El Paso County, TX?
The lowest bronze premium for a 40-year-old is $376 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave El Paso County, TX?
Aetna CVS Health, Molina Healthcare offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.