ACA marketplace plans in Karnes County, Texas (2026)
Karnes County, Texas has 47 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $372 to $971 and a benchmark (second-lowest-cost silver) plan at $725 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | $411.07 | $525.34 | $1,115.63 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | $437.03 | $558.52 | $1,186.10 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | $441.23 | $563.89 | $1,197.50 | $7,300 | $10,600 |
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | $291.15 | $372.09 | $790.19 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | $442.34 | $565.31 | $1,200.51 | $10,600 | $10,600 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | $350.66 | $448.15 | $951.69 | $7,500 | $10,000 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $355.30 | $454.07 | $964.27 | $8,500 | $9,900 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $355.39 | $454.19 | $964.53 | $7,450 | $9,850 |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $364.96 | $466.42 | $990.50 | $8,500 | $9,900 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $365.47 | $467.07 | $991.88 | $7,450 | $9,850 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | $429.51 | $548.91 | $1,165.68 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | $444.18 | $567.67 | $1,205.52 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | $449.03 | $573.86 | $1,218.67 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | $449.53 | $574.50 | $1,220.02 | $6,000 | $10,150 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | $454.52 | $580.88 | $1,233.57 | $0 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | $461.90 | $590.31 | $1,253.60 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | $476.57 | $609.06 | $1,293.41 | $7,000 | $10,150 |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | $460.94 | $589.08 | $1,250.98 | $2,000 | $8,200 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $467.25 | $597.14 | $1,268.11 | $3,750 | $9,200 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $479.83 | $613.22 | $1,302.25 | $3,750 | $9,200 |
| CHRISTUS Health Plan | CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $486.13 | $621.27 | $1,319.35 | $0 | $9,200 |
| CHRISTUS Health Plan | CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $501.58 | $641.02 | $1,361.28 | $0 | $9,200 |
| UnitedHealthcare | UHC Gold Standard | Gold | $545.59 | $697.26 | $1,480.72 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $558.31 | $713.52 | $1,515.25 | $0 | $7,800 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $560.07 | $715.77 | $1,520.03 | $1,000 | $7,500 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $572.99 | $732.28 | $1,555.09 | $0 | $7,800 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $574.75 | $734.53 | $1,559.87 | $1,000 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | $610.18 | $779.81 | $1,656.03 | $550 | $10,100 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | $616.87 | $788.36 | $1,674.19 | $1,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | $618.33 | $790.23 | $1,678.15 | $2,400 | $10,400 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | $622.80 | $795.94 | $1,690.28 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | $625.62 | $799.54 | $1,697.93 | $1,700 | $10,150 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | $650.04 | $830.75 | $1,764.21 | $2,000 | $8,200 |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | $552.11 | $705.60 | $1,498.44 | $6,000 | $8,900 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $567.58 | $725.36 | $1,540.40 | $6,900 | $9,300 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $583.65 | $745.91 | $1,584.04 | $6,900 | $9,300 |
| UnitedHealthcare | UHC Silver Standard | Silver | $632.27 | $808.04 | $1,715.98 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | $642.45 | $821.05 | $1,743.61 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | $643.20 | $822.01 | $1,745.64 | $3,500 | $9,200 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | $657.13 | $839.81 | $1,783.45 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | $657.88 | $840.77 | $1,785.48 | $3,500 | $9,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | $717.48 | $916.94 | $1,947.24 | $4,000 | $9,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | $724.65 | $926.10 | $1,966.70 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | $732.65 | $936.33 | $1,988.41 | $1,450 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | $739.00 | $944.44 | $2,005.65 | $1,250 | $10,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | $741.85 | $948.08 | $2,013.38 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | $760.12 | $971.43 | $2,062.97 | $0 | $10,150 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.