2026 plan year · Texas
2026 health insurance plans in Hays County, TX
102 Marketplace plans from 9 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)
- 9insurers
- +16.5%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health. See what to do if your insurer leaves.
- New here: Harbor Health, Imperial Insurance Companies, Inc..
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 |
| Imperial Preferred Bronze Imperial Insurance Companies, Inc. · HMO | $365 | $466 | $990 | $9,200 | $9,200 | 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 |
| 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 |
| UHC Bronze Standard UnitedHealthcare · HMO | $368 | $470 | $999 | $7,500 | $10,000 | $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 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. · HMO | $390 | $499 | $1,059 | $7,500 | $10,000 | $50 |
| 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 |
| Moda Select Texas Bronze 8700 ($0 Virtual Urgent Care through CirrusMD) Moda Health Plan, Inc. · EPO | $433 | $553 | $1,175 | $8,700 | $8,700 | $85 |
| 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 |
| Moda Select Texas Standard Bronze Moda Health Plan, Inc. · EPO | $444 | $567 | $1,205 | $7,500 | $10,000 | $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 |
| Moda Select Texas Bronze HDHP 7500 Moda Health Plan, Inc. · EPO | $462 | $591 | $1,254 | $7,500 | $7,500 | No Charge after Deductible |
| 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 |
| Harbor Health S1 $0 PCP $0 Mental Health Office Visit $0 Express Care Harbor Health · HMO | $510 | $652 | $1,385 | $9,900 | $10,150 | No Charge |
| 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 |
| Silver Simple Guided Care Oscar Insurance Company · HMO | $573 | $732 | $1,555 | $6,300 | $9,300 | $10 |
| Harbor Health S1S $40 PCP $40 Mental Health Office Visit $40 Express Care Harbor Health · HMO | $574 | $733 | $1,557 | $6,000 | $8,900 | $40 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. · HMO | $575 | $735 | $1,560 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company · HMO | $579 | $740 | $1,573 | $6,500 | $10,000 | No Charge |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company · HMO | $583 | $746 | $1,583 | $6,200 | $9,600 | No Charge |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company · HMO | $584 | $746 | $1,585 | $5,900 | $10,150 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company · HMO | $585 | $748 | $1,589 | $6,000 | $10,150 | No Charge |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. · HMO | $586 | $748 | $1,589 | $7,500 | $9,500 | $10 |
| Silver Classic Standard Guided Care Oscar Insurance Company · HMO | $593 | $758 | $1,610 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company · HMO | $598 | $764 | $1,622 | $5,750 | $10,150 | $10 |
| 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 |
| Moda Select Texas Standard Silver Moda Health Plan, Inc. · EPO | $720 | $920 | $1,954 | $6,000 | $8,900 | $40 |
| 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 |
| Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care Harbor Health · HMO | $447 | $571 | $1,212 | $0 | $10,150 | No Charge |
| 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 |
| 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 |
| Harbor Health G1S $30 PCP $30 Mental Health Office Visit $30 Express Care Harbor Health · HMO | $494 | $632 | $1,342 | $2,000 | $8,200 | $30 |
| Gold Simple Guided Care Oscar Insurance Company · HMO | $503 | $643 | $1,366 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Guided Care Oscar Insurance Company · HMO | $506 | $647 | $1,373 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company · HMO | $508 | $649 | $1,379 | $2,000 | $9,800 | No Charge |
| Gold Classic Guided Care Oscar Insurance Company · HMO | $514 | $656 | $1,394 | $2,500 | $8,000 | $25 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. · HMO | $524 | $670 | $1,423 | $2,000 | $8,200 | $30 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. · HMO | $527 | $673 | $1,430 | $0 | $9,200 | $10 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. · HMO | $529 | $676 | $1,436 | $1,350 | $9,000 | $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 |
| Moda Select Texas Standard Gold Moda Health Plan, Inc. · EPO | $619 | $791 | $1,679 | $2,000 | $8,200 | $30 |
| 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 |
| 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 Hays 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 Hays County.
Frequently asked questions
How many Marketplace health plans are available in Hays County, TX for 2026?
102 plans from 9 insurers: Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, Harbor Health, Imperial Insurance Companies, Inc., Moda Health Plan, Inc., Oscar Insurance Company, Sendero Health Plans, Local Nonprofit, UnitedHealthcare.
What is the benchmark silver plan premium in Hays 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 Hays 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.
Did any insurers leave Hays 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.