ACA marketplace plans in Montgomery County, Texas (2026)
Montgomery County, Texas has 112 ACA marketplace plans from 7 insurers in 2026, with monthly premiums for a 40-year-old ranging from $432 to $889 and a benchmark (second-lowest-cost silver) plan at $668 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 |
|---|---|---|---|---|---|---|---|
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze | $362.14 | $462.81 | $982.85 | $9,200 | $9,200 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | $366.38 | $468.24 | $994.36 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | $403.95 | $516.25 | $1,096.32 | $7,300 | $10,600 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | $338.02 | $431.99 | $917.39 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | $404.96 | $517.54 | $1,099.06 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze | $346.47 | $442.79 | $940.32 | $7,500 | $10,000 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $355.78 | $454.69 | $965.59 | $6,000 | $10,600 |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze | $356.63 | $455.77 | $967.88 | $0 | $10,600 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze | $359.82 | $459.85 | $976.55 | $5,000 | $9,000 |
| WellPoint | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $360.61 | $460.86 | $978.70 | $7,500 | $10,000 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | $361.69 | $462.24 | $981.63 | $6,000 | $10,600 |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Expanded Bronze | $368.71 | $471.21 | $1,000.67 | $0 | $10,600 |
| WellPoint | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | $371.36 | $474.60 | $1,007.87 | $4,000 | $8,450 |
| WellPoint | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $375.43 | $479.80 | $1,018.92 | $5,500 | $10,600 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | $377.45 | $482.37 | $1,024.38 | $9,000 | $10,600 |
| WellPoint | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $378.67 | $483.94 | $1,027.71 | $7,500 | $10,000 |
| WellPoint | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $379.60 | $485.13 | $1,030.23 | $4,500 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | $382.82 | $489.24 | $1,038.97 | $7,500 | $10,000 |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | $386.83 | $494.37 | $1,049.86 | $8,500 | $10,600 |
| Imperial Insurance Companies, Inc. | Imperial Standard Bronze | Expanded Bronze | $387.32 | $494.99 | $1,051.18 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze | $390.35 | $498.85 | $1,059.38 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic 4700 | Expanded Bronze | $395.05 | $504.86 | $1,072.13 | $4,700 | $9,800 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | $395.90 | $505.96 | $1,074.48 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Simple Diabetes | Expanded Bronze | $396.24 | $506.38 | $1,075.37 | $5,500 | $10,150 |
| Community Health Choice | Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | $398.51 | $509.29 | $1,081.55 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Expanded Bronze | $402.88 | $514.87 | $1,093.39 | $5,500 | $10,150 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | $411.08 | $525.36 | $1,115.67 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | $411.54 | $525.95 | $1,116.92 | $6,000 | $10,150 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Expanded Bronze | $412.76 | $527.49 | $1,120.20 | $0 | $10,150 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | $422.86 | $540.42 | $1,147.64 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | $436.30 | $557.59 | $1,184.12 | $7,000 | $10,150 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ 403 | Gold | $473.58 | $605.24 | $1,285.30 | $500 | $8,500 |
| Oscar Insurance Company | Gold Simple Guided Care | Gold | $480.55 | $614.13 | $1,304.18 | $3,300 | $9,950 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ Standard | Gold | $480.67 | $614.30 | $1,304.54 | $2,000 | $8,200 |
| Oscar Insurance Company | Gold Classic Standard Guided Care | Gold | $483.03 | $617.30 | $1,310.92 | $2,000 | $8,200 |
| WellPoint | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $483.22 | $617.56 | $1,311.46 | $800 | $9,000 |
| Oscar Insurance Company | Gold Simple Diabetes Guided Care | Gold | $485.23 | $620.11 | $1,316.89 | $2,000 | $9,800 |
| WellPoint | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $485.27 | $620.18 | $1,317.02 | $2,000 | $8,200 |
| WellPoint | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $486.10 | $621.24 | $1,319.28 | $1,500 | $5,000 |
| UnitedHealthcare | UHC Gold Standard | Gold | $486.28 | $621.47 | $1,319.77 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Standard Gold VALUE | Gold | $486.36 | $621.56 | $1,319.97 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | Gold | $486.42 | $621.65 | $1,320.15 | $0 | $7,800 |
| Oscar Insurance Company | Gold Classic Guided Care | Gold | $490.51 | $626.86 | $1,331.23 | $2,500 | $8,000 |
| Ambetter from Superior HealthPlan | Complete VALUE Gold | Gold | $497.33 | $635.57 | $1,349.73 | $1,450 | $7,500 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $499.19 | $637.97 | $1,354.80 | $1,000 | $7,500 |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | Gold | $499.50 | $638.37 | $1,355.66 | $0 | $7,800 |
| WellPoint | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $507.55 | $648.65 | $1,377.49 | $700 | $7,500 |
| WellPoint | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $509.56 | $651.22 | $1,382.95 | $2,000 | $8,200 |
| WellPoint | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $510.69 | $652.66 | $1,386.01 | $1,000 | $8,950 |
| Community Health Choice | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | $512.24 | $654.64 | $1,390.21 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $512.27 | $654.69 | $1,390.31 | $1,000 | $7,500 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $516.09 | $659.55 | $1,400.65 | $2,000 | $8,200 |
| Community Health Choice | Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | $516.14 | $659.62 | $1,400.79 | $2,500 | $7,500 |
| Imperial Insurance Companies, Inc. | Imperial Standard Gold | Gold | $520.39 | $665.05 | $1,412.33 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Standard Gold | Gold | $520.97 | $665.78 | $1,413.88 | $2,000 | $8,200 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Gold Zero | Gold | $522.92 | $668.30 | $1,419.21 | $0 | $9,200 |
| Ambetter from Superior HealthPlan | Everyday Gold | Gold | $523.37 | $668.86 | $1,420.41 | $800 | $7,250 |
| Oscar Insurance Company | Gold Classic | Gold | $524.15 | $669.86 | $1,422.53 | $2,500 | $8,000 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Gold | Gold | $525.10 | $671.07 | $1,425.11 | $1,350 | $9,000 |
| Ambetter from Superior HealthPlan | Complete Gold | Gold | $532.83 | $680.94 | $1,446.06 | $1,450 | $7,500 |
| Oscar Insurance Company | Gold Elite | Gold | $535.00 | $683.72 | $1,451.97 | $1,200 | $7,800 |
| Ambetter from Superior HealthPlan | Standard Gold + Vision + Adult Dental | Gold | $540.35 | $690.56 | $1,466.49 | $2,000 | $8,200 |
| Ambetter from Superior HealthPlan | Everyday Gold + Vision + Adult Dental | Gold | $542.85 | $693.75 | $1,473.27 | $800 | $7,250 |
| Ambetter from Superior HealthPlan | Complete Gold + Vision + Adult Dental | Gold | $552.66 | $706.29 | $1,499.90 | $1,450 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | $558.61 | $713.90 | $1,516.07 | $550 | $10,100 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | $566.08 | $723.45 | $1,536.34 | $2,400 | $10,400 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | $570.16 | $728.66 | $1,547.41 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | $572.76 | $731.99 | $1,554.47 | $1,700 | $10,150 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | $595.11 | $760.55 | $1,615.13 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | Silver | $510.90 | $652.92 | $1,386.57 | $0 | $9,200 |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Silver | $522.57 | $667.85 | $1,418.26 | $0 | $9,200 |
| Ambetter from Superior HealthPlan | Standard Silver VALUE | Silver | $531.93 | $679.79 | $1,443.63 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Focused VALUE Silver | Silver | $534.63 | $683.25 | $1,450.97 | $6,300 | $8,400 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ Standard | Silver | $546.45 | $698.36 | $1,483.07 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ 405 | Silver | $547.31 | $699.46 | $1,485.40 | $1,500 | $10,600 |
| Oscar Insurance Company | Silver Simple Guided Care | Silver | $547.41 | $699.57 | $1,485.63 | $6,300 | $9,300 |
| Ambetter from Superior HealthPlan | Standard Silver VALUE + Vision + Adult Dental | Silver | $552.04 | $705.49 | $1,498.20 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple Diabetes Guided Care | Silver | $553.77 | $707.70 | $1,502.90 | $6,500 | $10,000 |
| Ambetter from Superior HealthPlan | Focused VALUE Silver + Vision + Adult Dental | Silver | $554.85 | $709.08 | $1,505.83 | $6,300 | $8,400 |
| Oscar Insurance Company | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | $557.66 | $712.68 | $1,513.48 | $6,200 | $9,600 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM Guided Care | Silver | $558.07 | $713.20 | $1,514.58 | $5,900 | $10,150 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | $559.62 | $715.18 | $1,518.78 | $6,000 | $10,150 |
| UnitedHealthcare | UHC Silver Standard | Silver | $563.54 | $720.21 | $1,529.45 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic Standard Guided Care | Silver | $567.02 | $724.64 | $1,538.86 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Standard Silver | Silver | $569.81 | $728.20 | $1,546.43 | $6,000 | $8,900 |
| Imperial Insurance Companies, Inc. | Imperial Standard Silver | Silver | $570.38 | $728.94 | $1,548.01 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple PCP Saver Guided Care | Silver | $571.19 | $729.97 | $1,550.19 | $5,750 | $10,150 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | $572.62 | $731.80 | $1,554.08 | $3,000 | $8,950 |
| Ambetter from Superior HealthPlan | Focused Silver | Silver | $572.73 | $731.94 | $1,554.36 | $6,300 | $8,400 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $578.11 | $738.81 | $1,568.96 | $5,000 | $8,650 |
| WellPoint | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $578.96 | $739.91 | $1,571.30 | $6,000 | $8,900 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Silver | Silver | $581.07 | $742.60 | $1,577.01 | $7,500 | $9,500 |
| WellPoint | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $584.37 | $746.82 | $1,585.98 | $3,500 | $9,950 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | $585.70 | $748.52 | $1,589.59 | $3,000 | $8,950 |
| WellPoint | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $586.78 | $749.90 | $1,592.52 | $1,850 | $9,100 |
| WellPoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $590.33 | $754.44 | $1,602.16 | $3,500 | $9,950 |
| Ambetter from Superior HealthPlan | Standard Silver + Vision + Adult Dental | Silver | $591.22 | $755.57 | $1,604.55 | $6,000 | $8,900 |
| Ambetter from Superior HealthPlan | Focused Silver + Vision + Adult Dental | Silver | $594.26 | $759.45 | $1,612.78 | $6,300 | $8,400 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $599.84 | $766.59 | $1,627.95 | $5,000 | $8,650 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | $602.45 | $769.91 | $1,635.01 | $5,750 | $10,150 |
| Community Health Choice | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | $606.27 | $774.81 | $1,645.42 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $606.55 | $775.16 | $1,646.16 | $6,000 | $8,900 |
| Community Health Choice | Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | $606.84 | $775.54 | $1,646.96 | $2,800 | $10,600 |
| WellPoint | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $607.98 | $777.00 | $1,650.06 | $6,000 | $8,900 |
| WellPoint | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $612.46 | $782.72 | $1,662.22 | $4,000 | $9,550 |
| WellPoint | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $612.72 | $783.06 | $1,662.92 | $2,500 | $9,900 |
| Oscar Insurance Company | Silver Classic | Silver | $614.75 | $785.64 | $1,668.41 | $5,500 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | $663.41 | $847.84 | $1,800.49 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | $670.73 | $857.19 | $1,820.36 | $1,450 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | $676.55 | $864.63 | $1,836.16 | $1,250 | $10,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | $679.16 | $867.97 | $1,843.24 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | $695.88 | $889.33 | $1,888.62 | $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.