2026 plan year · Texas
2026 health insurance plans in Lubbock County, TX
74 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.
- $779benchmark silver (age 40)
- $487cheapest bronze (age 40)
- 5insurers
- +34.3%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Advantage Bronze HMO℠ 301 Blue Cross and Blue Shield of Texas · HMO | $407 | $520 | $1,104 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $411 | $525 | $1,114 | $7,300 | $10,600 | 40% Coinsurance after deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $415 | $531 | $1,127 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BSW Savers Bronze HMO H S A 006 Baylor Scott and White Health Plan · HMO | $381 | $487 | $1,034 | $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 | $387 | $495 | $1,051 | $7,500 | $10,000 | $50 |
| BSW Savers Bronze HMO H S A 009 Baylor Scott and White Health Plan · HMO | $392 | $501 | $1,063 | $5,300 | $10,600 | $40 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $401 | $513 | $1,089 | $6,000 | $10,600 | $50 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $407 | $520 | $1,104 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint · HMO | $408 | $521 | $1,107 | $6,000 | $10,600 | $50 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $418 | $534 | $1,134 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $418 | $535 | $1,135 | $6,000 | $10,150 | $45 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint · HMO | $419 | $535 | $1,137 | $4,000 | $8,450 | 40% Coinsurance after deductible |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $424 | $541 | $1,149 | $5,500 | $10,600 | $30 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $427 | $546 | $1,159 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $428 | $547 | $1,162 | $4,500 | $10,600 | $50 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $430 | $549 | $1,166 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $434 | $554 | $1,178 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $443 | $567 | $1,203 | $7,000 | $10,150 | $75 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $449 | $573 | $1,218 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $459 | $587 | $1,246 | $0 | $10,600 | $45 |
| Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare · HMO | $508 | $649 | $1,378 | $8,500 | $10,600 | No Charge |
| Connect Bronze 5750 Indiv Med Deductible Cigna Healthcare · HMO | $512 | $655 | $1,390 | $5,750 | $10,600 | $25 |
| Connect myDiabetesCare Bronze Cigna Healthcare · HMO | $515 | $658 | $1,397 | $6,500 | $10,600 | $20 |
| Connect Bronze CMS Standard Cigna Healthcare · HMO | $518 | $662 | $1,406 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan · HMO | $610 | $779 | $1,654 | $6,000 | $8,900 | $40 |
| BSW Prime Silver HMO 005 Baylor Scott and White Health Plan · HMO | $610 | $779 | $1,655 | $3,000 | $9,000 | $45 |
| BSW Prime Silver HMO 008 Baylor Scott and White Health Plan · HMO | $610 | $780 | $1,656 | $5,000 | $8,500 | $35 |
| UHC Silver Standard UnitedHealthcare · HMO | $639 | $816 | $1,733 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $649 | $829 | $1,761 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $650 | $830 | $1,763 | $3,500 | $9,200 | $15 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $653 | $835 | $1,773 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $659 | $843 | $1,789 | $3,500 | $9,950 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $662 | $846 | $1,797 | $1,850 | $9,100 | $10 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $664 | $848 | $1,802 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $665 | $849 | $1,804 | $3,500 | $9,200 | $15 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $666 | $851 | $1,807 | $3,500 | $9,950 | $25 |
| Blue Advantage Silver HMO℠ 801 Blue Cross and Blue Shield of Texas · HMO | $668 | $853 | $1,812 | $4,000 | $9,200 | $30 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $674 | $862 | $1,830 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $682 | $871 | $1,850 | $1,450 | $10,600 | No Charge |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $686 | $877 | $1,861 | $6,000 | $8,900 | $40 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $688 | $879 | $1,866 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $690 | $882 | $1,873 | $6,000 | $8,900 | $40 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $691 | $883 | $1,875 | $4,000 | $9,550 | $25 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $691 | $883 | $1,876 | $2,500 | $9,900 | $20 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $707 | $904 | $1,919 | $0 | $10,150 | $115 |
| Connect Silver 4000 Indiv Med Deductible Cigna Healthcare · HMO | $772 | $986 | $2,094 | $4,000 | $9,900 | $15 |
| Connect Silver 3000 Indiv Med Deductible Cigna Healthcare · HMO | $780 | $997 | $2,116 | $3,000 | $9,900 | $20 |
| Connect Silver CMS Standard Cigna Healthcare · HMO | $784 | $1,002 | $2,127 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BSW Elite Gold HMO 004 Baylor Scott and White Health Plan · HMO | $509 | $650 | $1,381 | $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 | $509 | $650 | $1,381 | $2,000 | $8,200 | $30 |
| BSW Elite Gold HMO 012 Baylor Scott and White Health Plan · HMO | $531 | $679 | $1,442 | $500 | $10,600 | $10 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $545 | $697 | $1,479 | $800 | $9,000 | $10 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $547 | $700 | $1,486 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · HMO | $548 | $701 | $1,488 | $1,500 | $5,000 | $45 |
| UHC Gold Standard UnitedHealthcare · HMO | $551 | $704 | $1,496 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $564 | $721 | $1,531 | $0 | $7,800 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $566 | $723 | $1,535 | $1,000 | $7,500 | $15 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $568 | $726 | $1,541 | $550 | $10,100 | $30 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $573 | $732 | $1,554 | $700 | $7,500 | $20 |
| Blue Advantage Gold HMO℠ 603 Blue Cross and Blue Shield of Texas · HMO | $574 | $734 | $1,558 | $1,000 | $8,200 | $20 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $575 | $735 | $1,560 | $2,000 | $8,200 | $30 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $575 | $735 | $1,561 | $2,400 | $10,400 | No Charge |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint · POS | $576 | $736 | $1,564 | $1,000 | $8,950 | $20 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $579 | $740 | $1,571 | $0 | $7,800 | $15 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $579 | $741 | $1,573 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $581 | $742 | $1,576 | $1,000 | $7,500 | $15 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $582 | $744 | $1,580 | $1,700 | $10,150 | $20 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $605 | $773 | $1,641 | $2,000 | $8,200 | $30 |
| Connect Gold 3000 Indiv Med Deductible Cigna Healthcare · HMO | $623 | $796 | $1,691 | $3,000 | $7,000 | $15 |
| Connect Gold CMS Standard Cigna Healthcare · HMO | $626 | $800 | $1,698 | $2,000 | $8,200 | $30 |
| Connect myDiabetesCare Gold Cigna Healthcare · HMO | $635 | $812 | $1,724 | $2,250 | $8,250 | $10 |
| Connect Gold 1400 Indiv Med Deductible Cigna Healthcare · HMO | $635 | $812 | $1,724 | $1,400 | $9,125 | $10 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint · HMO | $381 | $487 | $1,035 | $10,600 | $10,600 | $40 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas · HMO | $412 | $526 | $1,117 | $10,600 | $10,600 | $20 |
Care quality in Lubbock 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 Lubbock County.
Frequently asked questions
How many Marketplace health plans are available in Lubbock County, TX for 2026?
74 plans from 5 insurers: Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas, Cigna Healthcare, UnitedHealthcare, WellPoint.
What is the benchmark silver plan premium in Lubbock County, TX?
For 2026, the second-lowest-cost silver plan costs $779 a month for a 40-year-old before tax credits, up 34.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Lubbock County, TX?
The lowest bronze premium for a 40-year-old is $487 a month before tax credits. Bronze plans have low premiums but high deductibles.