2026 plan year · Texas
2026 health insurance plans in Galveston County, TX
61 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $697benchmark silver (age 40)
- $466cheapest bronze (age 40)
- 5insurers
- +35.5%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 | $382 | $489 | $1,038 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $550 | $703 | $1,492 | $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 |
|---|---|---|---|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $365 | $466 | $989 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded UnitedHealthcare · HMO | $372 | $476 | $1,010 | $0 | $10,600 | $45 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $377 | $482 | $1,023 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $382 | $488 | $1,035 | $4,700 | $9,800 | $70 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $383 | $489 | $1,039 | $5,500 | $10,150 | $50 |
| UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare · HMO | $385 | $492 | $1,044 | $0 | $10,600 | $45 |
| Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $387 | $494 | $1,049 | $8,500 | $10,600 | $40 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $389 | $497 | $1,056 | $5,500 | $10,150 | $50 |
| Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $398 | $509 | $1,081 | $7,500 | $10,000 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $399 | $509 | $1,082 | $0 | $10,150 | $40 |
| UHC Bronze Standard UnitedHealthcare · HMO | $400 | $511 | $1,084 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $413 | $528 | $1,121 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $455 | $581 | $1,235 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $456 | $582 | $1,236 | $6,000 | $10,150 | $45 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $576 | $736 | $1,562 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $594 | $759 | $1,612 | $7,000 | $10,150 | $75 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded UnitedHealthcare · HMO | $533 | $681 | $1,447 | $0 | $9,200 | $25 |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare · HMO | $545 | $697 | $1,480 | $0 | $9,200 | $25 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $582 | $744 | $1,579 | $5,750 | $10,150 | $10 |
| Silver Classic Standard Oscar Insurance Company · EPO | $586 | $749 | $1,590 | $6,000 | $8,900 | $40 |
| UHC Silver Standard UnitedHealthcare · HMO | $588 | $752 | $1,596 | $6,000 | $8,900 | $40 |
| Silver Classic Oscar Insurance Company · EPO | $594 | $759 | $1,611 | $5,500 | $8,900 | $35 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $598 | $764 | $1,622 | $3,000 | $8,950 | $20 |
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $606 | $775 | $1,645 | $6,000 | $8,900 | $40 |
| Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $607 | $775 | $1,646 | $2,800 | $10,600 | $30 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $611 | $781 | $1,659 | $3,000 | $8,950 | $20 |
| Standard Silver Ambetter from Superior HealthPlan · EPO | $618 | $790 | $1,678 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter from Superior HealthPlan · EPO | $621 | $794 | $1,686 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan · EPO | $627 | $802 | $1,702 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $641 | $820 | $1,741 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $645 | $824 | $1,750 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $651 | $832 | $1,766 | $5,000 | $8,650 | $30 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $734 | $938 | $1,993 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $742 | $949 | $2,015 | $1,450 | $10,600 | No Charge |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $921 | $1,177 | $2,500 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $925 | $1,182 | $2,509 | $6,000 | $8,900 | $40 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $947 | $1,211 | $2,571 | $0 | $10,150 | $115 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Classic Standard Oscar Insurance Company · EPO | $498 | $637 | $1,353 | $2,000 | $8,200 | $30 |
| Gold Classic Oscar Insurance Company · EPO | $506 | $647 | $1,374 | $2,500 | $8,000 | $25 |
| UHC Gold Standard UnitedHealthcare · HMO | $508 | $649 | $1,377 | $2,000 | $8,200 | $30 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) UnitedHealthcare · HMO | $508 | $649 | $1,378 | $0 | $7,800 | $15 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $512 | $654 | $1,390 | $2,000 | $8,200 | $30 |
| Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $516 | $659 | $1,400 | $2,500 | $7,500 | $20 |
| Gold Elite Oscar Insurance Company · EPO | $517 | $660 | $1,402 | $1,200 | $7,800 | $25 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $521 | $666 | $1,414 | $1,000 | $7,500 | $15 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $521 | $666 | $1,415 | $0 | $7,800 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $535 | $683 | $1,451 | $1,000 | $7,500 | $15 |
| Standard Gold Ambetter from Superior HealthPlan · EPO | $565 | $722 | $1,534 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter from Superior HealthPlan · EPO | $568 | $726 | $1,541 | $800 | $7,250 | $35 |
| Complete Gold Ambetter from Superior HealthPlan · EPO | $578 | $739 | $1,569 | $1,450 | $7,500 | $15 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $586 | $749 | $1,591 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $589 | $753 | $1,598 | $800 | $7,250 | $35 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan · EPO | $600 | $766 | $1,627 | $1,450 | $7,500 | $15 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $618 | $790 | $1,678 | $550 | $10,100 | $30 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $631 | $807 | $1,713 | $2,000 | $8,200 | $30 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $771 | $985 | $2,091 | $2,400 | $10,400 | No Charge |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $780 | $996 | $2,116 | $1,700 | $10,150 | $20 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $810 | $1,035 | $2,199 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas · HMO | $448 | $573 | $1,217 | $10,600 | $10,600 | $20 |
Care quality in Galveston 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 Galveston County.
Frequently asked questions
How many Marketplace health plans are available in Galveston County, TX for 2026?
61 plans from 5 insurers: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Community Health Choice, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Galveston County, TX?
For 2026, the second-lowest-cost silver plan costs $697 a month for a 40-year-old before tax credits, up 35.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Galveston County, TX?
The lowest bronze premium for a 40-year-old is $466 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Galveston 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.