2026 plan year · Texas
2026 health insurance plans in Polk County, TX
36 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $695benchmark silver (age 40)
- $443cheapest bronze (age 40)
- 3insurers
- +29.2%benchmark change vs. 2025
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 | $359 | $459 | $975 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas · POS | $422 | $539 | $1,145 | $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 Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $347 | $443 | $941 | $8,500 | $10,600 | $40 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $348 | $444 | $943 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas · HMO | $348 | $445 | $945 | $6,000 | $10,150 | $45 |
| Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $357 | $457 | $970 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $375 | $480 | $1,019 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $388 | $496 | $1,053 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $397 | $508 | $1,078 | $0 | $10,600 | $45 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas · POS | $442 | $564 | $1,198 | $7,500 | $10,000 | $50 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas · POS | $456 | $582 | $1,236 | $7,000 | $10,150 | $75 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $544 | $695 | $1,476 | $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 | $544 | $695 | $1,477 | $2,800 | $10,600 | $30 |
| UHC Silver Standard UnitedHealthcare · HMO | $552 | $706 | $1,499 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $561 | $717 | $1,523 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $561 | $717 | $1,523 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $562 | $718 | $1,525 | $3,500 | $9,200 | $15 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas · HMO | $567 | $725 | $1,539 | $1,450 | $10,600 | No Charge |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $574 | $734 | $1,558 | $3,000 | $8,950 | $20 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $575 | $735 | $1,560 | $3,500 | $9,200 | $15 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas · POS | $706 | $903 | $1,917 | $1,250 | $10,500 | $25 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas · POS | $709 | $906 | $1,925 | $6,000 | $8,900 | $40 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas · POS | $727 | $929 | $1,972 | $0 | $10,150 | $115 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice · HMO | $459 | $587 | $1,247 | $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 | $463 | $592 | $1,256 | $2,500 | $7,500 | $20 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas · HMO | $472 | $604 | $1,282 | $550 | $10,100 | $30 |
| UHC Gold Standard UnitedHealthcare · HMO | $477 | $609 | $1,294 | $2,000 | $8,200 | $30 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas · HMO | $482 | $616 | $1,309 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $488 | $623 | $1,324 | $0 | $7,800 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $489 | $625 | $1,328 | $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 | $501 | $640 | $1,359 | $0 | $7,800 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $502 | $642 | $1,363 | $1,000 | $7,500 | $15 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas · POS | $591 | $755 | $1,604 | $2,400 | $10,400 | No Charge |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas · POS | $598 | $764 | $1,623 | $1,700 | $10,150 | $20 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas · POS | $621 | $794 | $1,687 | $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 | $342 | $438 | $929 | $10,600 | $10,600 | $20 |
Care quality in Polk 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 Polk County.
Frequently asked questions
How many Marketplace health plans are available in Polk County, TX for 2026?
36 plans from 3 insurers: Blue Cross and Blue Shield of Texas, Community Health Choice, UnitedHealthcare.
What is the benchmark silver plan premium in Polk County, TX?
For 2026, the second-lowest-cost silver plan costs $695 a month for a 40-year-old before tax credits, up 29.2% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Polk County, TX?
The lowest bronze premium for a 40-year-old is $443 a month before tax credits. Bronze plans have low premiums but high deductibles.