ACA marketplace plans in McCulloch County, Texas (2026)
McCulloch County, Texas has 54 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $580 to $1,409 and a benchmark (second-lowest-cost silver) plan at $925 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 |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | $454.12 | $580.37 | $1,232.48 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | $458.49 | $585.95 | $1,244.34 | $7,300 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | $688.77 | $880.25 | $1,869.33 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | $459.63 | $587.41 | $1,247.44 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | $466.58 | $596.29 | $1,266.30 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | $467.11 | $596.97 | $1,267.74 | $6,000 | $10,150 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | $476.37 | $608.80 | $1,292.86 | $8,000 | $8,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | $479.96 | $613.39 | $1,302.61 | $7,500 | $10,000 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | $483.99 | $618.54 | $1,313.55 | $7,500 | $10,000 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | $489.65 | $625.78 | $1,328.92 | $5,300 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | $495.20 | $632.87 | $1,343.97 | $7,000 | $10,150 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | $719.67 | $919.74 | $1,953.18 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | $744.27 | $951.17 | $2,019.94 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | $761.58 | $973.30 | $2,066.94 | $0 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | $634.03 | $810.29 | $1,720.76 | $550 | $10,100 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 004 | Gold | $636.09 | $812.92 | $1,726.34 | $1,550 | $8,100 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | $636.16 | $813.02 | $1,726.55 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | $640.99 | $819.19 | $1,739.65 | $1,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | $642.51 | $821.13 | $1,743.77 | $2,400 | $10,400 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | $647.15 | $827.06 | $1,756.37 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | $650.09 | $830.82 | $1,764.34 | $1,700 | $10,150 |
| Ambetter from Superior HealthPlan | Standard Gold | Gold | $658.19 | $841.16 | $1,786.31 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Everyday Gold | Gold | $661.23 | $845.05 | $1,794.56 | $800 | $7,250 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 012 | Gold | $664.24 | $848.90 | $1,802.75 | $500 | $10,600 |
| Ambetter from Superior HealthPlan | Complete Gold | Gold | $673.18 | $860.31 | $1,826.97 | $1,450 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | $675.46 | $863.24 | $1,833.20 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Standard Gold + Vision + Adult Dental | Gold | $682.68 | $872.46 | $1,852.78 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Everyday Gold + Vision + Adult Dental | Gold | $685.84 | $876.49 | $1,861.35 | $800 | $7,250 |
| Ambetter from Superior HealthPlan | Complete Gold + Vision + Adult Dental | Gold | $698.24 | $892.34 | $1,895.00 | $1,450 | $7,500 |
| UnitedHealthcare | UHC Gold Standard | Gold | $914.17 | $1,168.31 | $2,481.06 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $935.49 | $1,195.55 | $2,538.91 | $0 | $7,800 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $938.44 | $1,199.33 | $2,546.92 | $1,000 | $7,500 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $960.08 | $1,226.99 | $2,605.67 | $0 | $7,800 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $963.04 | $1,230.76 | $2,613.68 | $1,000 | $7,500 |
| Ambetter from Superior HealthPlan | Standard Silver | Silver | $719.90 | $920.02 | $1,953.78 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Focused Silver | Silver | $723.59 | $924.74 | $1,963.80 | $6,300 | $8,400 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $730.39 | $933.42 | $1,982.25 | $5,000 | $8,650 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | $745.53 | $952.79 | $2,023.37 | $4,000 | $9,200 |
| Ambetter from Superior HealthPlan | Standard Silver + Vision + Adult Dental | Silver | $746.95 | $954.59 | $2,027.20 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Focused Silver + Vision + Adult Dental | Silver | $750.79 | $959.49 | $2,037.61 | $6,300 | $8,400 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | $752.99 | $962.32 | $2,043.61 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $757.85 | $968.52 | $2,056.77 | $5,000 | $8,650 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | $761.29 | $972.93 | $2,066.14 | $1,450 | $10,600 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | $761.99 | $973.83 | $2,068.05 | $6,000 | $8,900 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 005 | Silver | $762.29 | $974.21 | $2,068.87 | $3,000 | $9,000 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 008 | Silver | $762.90 | $974.98 | $2,070.50 | $5,000 | $8,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | $767.90 | $981.38 | $2,084.08 | $1,250 | $10,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | $770.86 | $985.16 | $2,092.11 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | $789.84 | $1,009.42 | $2,143.63 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Standard | Silver | $1,059.41 | $1,353.93 | $2,875.25 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | $1,076.47 | $1,375.73 | $2,921.55 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | $1,077.73 | $1,377.34 | $2,924.96 | $3,500 | $9,200 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | $1,101.07 | $1,407.17 | $2,988.30 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | $1,102.33 | $1,408.77 | $2,991.71 | $3,500 | $9,200 |
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.