2026 plan year · Texas
2026 health insurance plans in Ellis County, TX
119 Marketplace plans from 8 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $693benchmark silver (age 40)
- $433cheapest bronze (age 40)
- 8insurers
- +44.7%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health. See what to do if your insurer leaves.
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 | $432 | $551 | $1,171 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $469 | $600 | $1,274 | $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 |
|---|---|---|---|---|---|---|
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $339 | $433 | $920 | $6,000 | $10,600 | $50 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $344 | $439 | $932 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint · HMO | $345 | $440 | $935 | $6,000 | $10,600 | $50 |
| BSW Savers Bronze HMO H S A 006 Baylor Scott and White Health Plan · HMO | $346 | $442 | $938 | $8,000 | $8,000 | No Charge after Deductible |
| BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan · HMO | $351 | $449 | $953 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint · HMO | $354 | $452 | $960 | $4,000 | $8,450 | 40% Coinsurance after deductible |
| BSW Savers Bronze HMO H S A 009 Baylor Scott and White Health Plan · HMO | $355 | $454 | $964 | $5,300 | $10,600 | $40 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $358 | $457 | $971 | $5,500 | $10,600 | $30 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $361 | $461 | $979 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $362 | $462 | $981 | $4,500 | $10,600 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $373 | $476 | $1,012 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Bronze Classic Standard Oscar Insurance Company · EPO | $386 | $493 | $1,046 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $390 | $499 | $1,059 | $4,700 | $9,800 | $70 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $391 | $500 | $1,062 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $398 | $509 | $1,080 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $408 | $521 | $1,106 | $0 | $10,150 | $40 |
| UHC Bronze Standard UnitedHealthcare · HMO | $451 | $576 | $1,224 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $466 | $596 | $1,265 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $477 | $610 | $1,295 | $0 | $10,600 | $45 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $478 | $611 | $1,296 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $478 | $611 | $1,298 | $6,000 | $10,150 | $45 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $491 | $628 | $1,334 | $7,500 | $10,000 | $50 |
| Connect Bronze DFW 8500 Indiv Med Deductible Cigna Healthcare · HMO | $497 | $635 | $1,348 | $8,500 | $10,600 | No Charge |
| Connect Bronze DFW 6000 Indiv Med Deductible Cigna Healthcare · HMO | $500 | $639 | $1,357 | $6,000 | $10,600 | $25 |
| Connect myDiabetesCare Bronze DFW Cigna Healthcare · HMO | $504 | $644 | $1,367 | $6,500 | $10,600 | $20 |
| Connect Bronze DFW CMS Standard Cigna Healthcare · HMO | $507 | $648 | $1,375 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $507 | $648 | $1,376 | $7,000 | $10,150 | $75 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare · HMO | $538 | $688 | $1,461 | $7,000 | $10,150 | $40 |
| Silver Simple Guided Care Oscar Insurance Company · HMO | $542 | $693 | $1,471 | $6,300 | $9,300 | $10 |
| Molina Silver Core Molina Healthcare · HMO | $544 | $695 | $1,477 | $6,000 | $8,990 | $35 |
| Molina Silver Standard Molina Healthcare · HMO | $545 | $696 | $1,479 | $6,000 | $8,900 | $40 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare · HMO | $547 | $700 | $1,486 | $6,000 | $8,990 | $35 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company · HMO | $548 | $701 | $1,488 | $6,500 | $10,000 | No Charge |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $552 | $705 | $1,497 | $6,000 | $8,900 | $40 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company · HMO | $552 | $706 | $1,499 | $6,200 | $9,600 | No Charge |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company · HMO | $553 | $706 | $1,500 | $5,900 | $10,150 | No Charge |
| BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan · HMO | $553 | $707 | $1,501 | $6,000 | $8,900 | $40 |
| BSW Prime Silver HMO 005 Baylor Scott and White Health Plan · HMO | $553 | $707 | $1,501 | $3,000 | $9,000 | $45 |
| BSW Prime Silver HMO 008 Baylor Scott and White Health Plan · HMO | $554 | $708 | $1,503 | $5,000 | $8,500 | $35 |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company · HMO | $554 | $708 | $1,504 | $6,000 | $10,150 | No Charge |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $557 | $711 | $1,511 | $3,500 | $9,950 | $25 |
| Molina Silver Core Pluswith Adult Dental and Vision Molina Healthcare · HMO | $559 | $714 | $1,516 | $6,000 | $8,990 | $35 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $559 | $714 | $1,517 | $1,850 | $9,100 | $10 |
| Silver Classic Standard Guided Care Oscar Insurance Company · HMO | $561 | $718 | $1,524 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $562 | $719 | $1,526 | $3,500 | $9,950 | $25 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company · HMO | $566 | $723 | $1,535 | $5,750 | $10,150 | $10 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $579 | $740 | $1,572 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $583 | $746 | $1,583 | $4,000 | $9,550 | $25 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $584 | $746 | $1,584 | $2,500 | $9,900 | $20 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $595 | $760 | $1,615 | $5,750 | $10,150 | $10 |
| Silver Classic Standard Oscar Insurance Company · EPO | $599 | $766 | $1,626 | $6,000 | $8,900 | $40 |
| Silver Classic Oscar Insurance Company · EPO | $607 | $776 | $1,648 | $5,500 | $8,900 | $35 |
| UHC Silver Standard UnitedHealthcare · HMO | $664 | $848 | $1,801 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $674 | $862 | $1,830 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $675 | $863 | $1,832 | $3,500 | $9,200 | $15 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $690 | $882 | $1,872 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $691 | $883 | $1,874 | $3,500 | $9,200 | $15 |
| Standard Silver Ambetter from Superior HealthPlan · EPO | $726 | $928 | $1,970 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter from Superior HealthPlan · EPO | $730 | $932 | $1,980 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan · EPO | $736 | $941 | $1,999 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $753 | $962 | $2,044 | $6,000 | $8,900 | $40 |
| Connect Silver DFW 4000 Indiv Med Deductible Cigna Healthcare · HMO | $755 | $965 | $2,049 | $4,000 | $9,900 | $15 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $757 | $967 | $2,054 | $6,300 | $8,400 | $40 |
| Connect Silver DFW 3000 Indiv Med Deductible Cigna Healthcare · HMO | $763 | $975 | $2,071 | $3,000 | $9,900 | $20 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $764 | $977 | $2,074 | $5,000 | $8,650 | $30 |
| Connect Silver DFW CMS Standard Cigna Healthcare · HMO | $767 | $980 | $2,081 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $771 | $985 | $2,092 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $779 | $996 | $2,115 | $1,450 | $10,600 | No Charge |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $786 | $1,005 | $2,134 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $789 | $1,009 | $2,142 | $6,000 | $8,900 | $40 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $809 | $1,033 | $2,195 | $0 | $10,150 | $115 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $460 | $588 | $1,249 | $800 | $9,000 | $10 |
| BSW Elite Gold HMO 004 Baylor Scott and White Health Plan · HMO | $462 | $590 | $1,253 | $1,550 | $8,100 | $30 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan · HMO | $462 | $590 | $1,253 | $2,000 | $8,200 | $30 |
| Molina Gold Saver 750 Molina Healthcare · HMO | $462 | $591 | $1,254 | $750 | $9,400 | $25 |
| Molina Gold Core 1640 Molina Healthcare · HMO | $462 | $591 | $1,254 | $1,640 | $8,100 | $25 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $462 | $591 | $1,255 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $463 | $592 | $1,257 | $1,500 | $5,000 | $45 |
| Molina Gold Saver 750 Pluswith Adult Vision Molina Healthcare · HMO | $465 | $595 | $1,263 | $750 | $9,400 | $25 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare · HMO | $465 | $595 | $1,263 | $1,640 | $8,100 | $25 |
| Gold Simple Guided Care Oscar Insurance Company · HMO | $475 | $608 | $1,290 | $3,300 | $9,950 | $5 |
| Molina Gold Saver 750 Pluswith Adult Dental and Vision Molina Healthcare · HMO | $477 | $609 | $1,294 | $750 | $9,400 | $25 |
| Molina Gold Core 1640 Pluswith Adult Dental and Vision Molina Healthcare · HMO | $477 | $609 | $1,294 | $1,640 | $8,100 | $25 |
| Gold Classic Standard Guided Care Oscar Insurance Company · HMO | $478 | $611 | $1,297 | $2,000 | $8,200 | $30 |
| Molina Gold Standard Molina Healthcare · HMO | $479 | $612 | $1,300 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company · HMO | $480 | $614 | $1,303 | $2,000 | $9,800 | No Charge |
| BSW Elite Gold HMO 012 Baylor Scott and White Health Plan · HMO | $482 | $616 | $1,308 | $500 | $10,600 | $10 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $484 | $618 | $1,312 | $700 | $7,500 | $20 |
| BSW Diabetes Care Gold HMO 014 Baylor Scott and White Health Plan · HMO | $485 | $620 | $1,316 | $1,700 | $10,150 | No Charge |
| Gold Classic Guided Care Oscar Insurance Company · HMO | $485 | $620 | $1,317 | $2,500 | $8,000 | $25 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $485 | $620 | $1,317 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $486 | $622 | $1,320 | $1,000 | $8,950 | $20 |
| Gold Classic Standard Oscar Insurance Company · EPO | $510 | $651 | $1,383 | $2,000 | $8,200 | $30 |
| Gold Classic Oscar Insurance Company · EPO | $518 | $662 | $1,405 | $2,500 | $8,000 | $25 |
| Gold Elite Oscar Insurance Company · EPO | $528 | $675 | $1,434 | $1,200 | $7,800 | $25 |
| UHC Gold Standard UnitedHealthcare · HMO | $573 | $732 | $1,554 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $586 | $749 | $1,591 | $0 | $7,800 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $588 | $751 | $1,596 | $1,000 | $7,500 | $15 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $601 | $769 | $1,632 | $0 | $7,800 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $603 | $771 | $1,637 | $1,000 | $7,500 | $15 |
| Connect Gold DFW 2800 Indiv Med Deductible Cigna Healthcare · HMO | $611 | $780 | $1,657 | $2,800 | $7,375 | $15 |
| Connect Gold DFW CMS Standard Cigna Healthcare · HMO | $612 | $782 | $1,662 | $2,000 | $8,200 | $30 |
| Connect myDiabetesCare Gold DFW Cigna Healthcare · HMO | $616 | $787 | $1,672 | $2,500 | $8,250 | $10 |
| Connect Gold DFW 1400 Indiv Med Deductible Cigna Healthcare · HMO | $622 | $794 | $1,687 | $1,400 | $9,100 | $10 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $649 | $830 | $1,762 | $550 | $10,100 | $30 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $658 | $841 | $1,785 | $2,400 | $10,400 | No Charge |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $663 | $847 | $1,798 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter from Superior HealthPlan · EPO | $664 | $848 | $1,801 | $2,000 | $8,200 | $30 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $666 | $851 | $1,806 | $1,700 | $10,150 | $20 |
| Everyday Gold Ambetter from Superior HealthPlan · EPO | $667 | $852 | $1,809 | $800 | $7,250 | $35 |
| Complete Gold Ambetter from Superior HealthPlan · EPO | $679 | $867 | $1,842 | $1,450 | $7,500 | $15 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $688 | $880 | $1,868 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $692 | $884 | $1,877 | $800 | $7,250 | $35 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $692 | $884 | $1,877 | $2,000 | $8,200 | $30 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $704 | $900 | $1,911 | $1,450 | $7,500 | $15 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint · HMO | $322 | $412 | $874 | $10,600 | $10,600 | $40 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas · HMO | $471 | $601 | $1,277 | $10,600 | $10,600 | $20 |
Care quality in Ellis 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 Ellis County.
Frequently asked questions
How many Marketplace health plans are available in Ellis County, TX for 2026?
119 plans from 8 insurers: Ambetter from Superior HealthPlan, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas, Cigna Healthcare, Molina Healthcare, Oscar Insurance Company, UnitedHealthcare, WellPoint.
What is the benchmark silver plan premium in Ellis County, TX?
For 2026, the second-lowest-cost silver plan costs $693 a month for a 40-year-old before tax credits, up 44.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Ellis County, TX?
The lowest bronze premium for a 40-year-old is $433 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Ellis County, TX?
Aetna CVS Health offered plans here in 2025 but doesn'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.