2026 plan year · Texas
2026 health insurance plans in Harris County, TX
121 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.
- $592benchmark silver (age 40)
- $375cheapest bronze (age 40)
- 7insurers
- +35.3%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 | $301 | $385 | $818 | $9,200 | $9,200 | No Charge after Deductible |
| 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 |
|---|---|---|---|---|---|---|
| Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $293 | $375 | $795 | $9,800 | $10,600 | $35 |
| Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $310 | $397 | $843 | $9,800 | $10,600 | $35 |
| MyBlue Health Bronze℠ Standard Blue Cross and Blue Shield of Texas · HMO | $316 | $403 | $856 | $7,500 | $10,000 | $50 |
| Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $321 | $411 | $872 | $7,500 | $10,000 | $50 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. · HMO | $322 | $412 | $875 | $7,500 | $10,000 | $50 |
| MyBlue Health Bronze℠ 402 Blue Cross and Blue Shield of Texas · HMO | $328 | $419 | $889 | $5,000 | $9,000 | No Charge |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $365 | $466 | $989 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $370 | $473 | $1,004 | $6,000 | $10,600 | $50 |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded UnitedHealthcare · HMO | $372 | $476 | $1,010 | $0 | $10,600 | $45 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $375 | $479 | $1,017 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint · HMO | $376 | $481 | $1,020 | $6,000 | $10,600 | $50 |
| 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 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint · HMO | $386 | $493 | $1,048 | $4,000 | $8,450 | 40% Coinsurance after deductible |
| 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 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $390 | $499 | $1,059 | $5,500 | $10,600 | $30 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $394 | $503 | $1,068 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $395 | $504 | $1,071 | $4,500 | $10,600 | $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 |
|---|---|---|---|---|---|---|
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $459 | $586 | $1,245 | $4,500 | $9,000 | $30 |
| Standard Silver VALUE Ambetter from Superior HealthPlan · HMO | $463 | $592 | $1,257 | $6,000 | $8,900 | $40 |
| Focused VALUE Silver Ambetter from Superior HealthPlan · HMO | $466 | $595 | $1,264 | $6,300 | $8,400 | $40 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. · HMO | $475 | $607 | $1,289 | $6,000 | $8,900 | $40 |
| Standard Silver VALUE + Vision + Adult Dental Ambetter from Superior HealthPlan · HMO | $481 | $614 | $1,305 | $6,000 | $8,900 | $40 |
| Community Ultra Select Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $482 | $616 | $1,309 | $6,000 | $8,900 | $40 |
| Community Ultra Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $483 | $617 | $1,310 | $4,500 | $9,000 | $30 |
| Focused VALUE Silver + Vision + Adult Dental Ambetter from Superior HealthPlan · HMO | $483 | $618 | $1,311 | $6,300 | $8,400 | $40 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. · HMO | $484 | $618 | $1,313 | $7,500 | $9,500 | $10 |
| MyBlue Health Silver℠ Standard Blue Cross and Blue Shield of Texas · HMO | $498 | $636 | $1,351 | $6,000 | $8,900 | $40 |
| MyBlue Health Silver℠ 405 Blue Cross and Blue Shield of Texas · HMO | $498 | $637 | $1,353 | $1,500 | $10,600 | No Charge |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded UnitedHealthcare · HMO | $533 | $681 | $1,447 | $0 | $9,200 | $25 |
| Silver Simple Guided Care Oscar Insurance Company · HMO | $543 | $694 | $1,473 | $6,300 | $9,300 | $10 |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare · HMO | $545 | $697 | $1,480 | $0 | $9,200 | $25 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company · HMO | $549 | $702 | $1,491 | $6,500 | $10,000 | No Charge |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company · HMO | $553 | $707 | $1,501 | $6,200 | $9,600 | No Charge |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company · HMO | $554 | $707 | $1,502 | $5,900 | $10,150 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company · HMO | $555 | $709 | $1,507 | $6,000 | $10,150 | No Charge |
| Silver Classic Standard Guided Care Oscar Insurance Company · HMO | $562 | $719 | $1,527 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company · HMO | $567 | $724 | $1,538 | $5,750 | $10,150 | $10 |
| 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 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $602 | $769 | $1,633 | $6,000 | $8,900 | $40 |
| 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 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $607 | $776 | $1,649 | $3,500 | $9,950 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $610 | $780 | $1,656 | $1,850 | $9,100 | $10 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $611 | $781 | $1,659 | $3,000 | $8,950 | $20 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $614 | $784 | $1,666 | $3,500 | $9,950 | $25 |
| 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 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $632 | $808 | $1,715 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $637 | $814 | $1,728 | $4,000 | $9,550 | $25 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $637 | $814 | $1,729 | $2,500 | $9,900 | $20 |
| 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 |
|---|---|---|---|---|---|---|
| Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $392 | $502 | $1,065 | $2,000 | $9,200 | $15 |
| Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $402 | $514 | $1,091 | $2,000 | $8,200 | $30 |
| Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $406 | $519 | $1,102 | $2,000 | $9,200 | $15 |
| Standard Gold VALUE Ambetter from Superior HealthPlan · HMO | $424 | $541 | $1,150 | $2,000 | $8,200 | $30 |
| MyBlue Health Gold℠ 403 Blue Cross and Blue Shield of Texas · HMO | $431 | $551 | $1,171 | $500 | $8,500 | No Charge |
| Complete VALUE Gold Ambetter from Superior HealthPlan · HMO | $433 | $554 | $1,176 | $1,450 | $7,500 | $15 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. · HMO | $433 | $554 | $1,176 | $2,000 | $8,200 | $30 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. · HMO | $435 | $556 | $1,181 | $0 | $9,200 | $10 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. · HMO | $437 | $559 | $1,186 | $1,350 | $9,000 | $20 |
| MyBlue Health Gold℠ Standard Blue Cross and Blue Shield of Texas · HMO | $438 | $559 | $1,188 | $2,000 | $8,200 | $30 |
| Gold Simple Guided Care Oscar Insurance Company · HMO | $476 | $609 | $1,293 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Guided Care Oscar Insurance Company · HMO | $479 | $612 | $1,299 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company · HMO | $481 | $615 | $1,305 | $2,000 | $9,800 | No Charge |
| Gold Classic Guided Care Oscar Insurance Company · HMO | $486 | $621 | $1,320 | $2,500 | $8,000 | $25 |
| Gold Classic Standard Oscar Insurance Company · EPO | $498 | $637 | $1,353 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $502 | $642 | $1,363 | $800 | $9,000 | $10 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $504 | $645 | $1,369 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $505 | $646 | $1,371 | $1,500 | $5,000 | $45 |
| 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 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $528 | $674 | $1,432 | $700 | $7,500 | $20 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $530 | $677 | $1,438 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $531 | $678 | $1,441 | $1,000 | $8,950 | $20 |
| 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 |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint · HMO | $351 | $449 | $954 | $10,600 | $10,600 | $40 |
| 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 Harris 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 Harris County.
Frequently asked questions
How many Marketplace health plans are available in Harris County, TX for 2026?
121 plans from 7 insurers: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Community Health Choice, Imperial Insurance Companies, Inc., Oscar Insurance Company, UnitedHealthcare, WellPoint.
What is the benchmark silver plan premium in Harris County, TX?
For 2026, the second-lowest-cost silver plan costs $592 a month for a 40-year-old before tax credits, up 35.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Harris County, TX?
The lowest bronze premium for a 40-year-old is $375 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Harris 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.