ACA marketplace plans in Terry County, Texas (2026)
Terry County, Texas has 63 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $487 to $904 and a benchmark (second-lowest-cost silver) plan at $779 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 | $406.62 | $519.66 | $1,103.57 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | $410.52 | $524.64 | $1,114.15 | $7,300 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | $415.24 | $530.68 | $1,126.96 | $10,600 | $10,600 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | $381.33 | $487.34 | $1,034.93 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | $411.55 | $525.96 | $1,116.95 | $10,600 | $10,600 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | $381.10 | $487.05 | $1,034.32 | $8,000 | $8,000 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | $387.20 | $494.85 | $1,050.87 | $7,500 | $10,000 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | $391.73 | $500.63 | $1,063.16 | $5,300 | $10,600 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $401.35 | $512.93 | $1,089.26 | $6,000 | $10,600 |
| WellPoint | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $406.81 | $519.90 | $1,104.08 | $7,500 | $10,000 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | $408.03 | $521.46 | $1,107.39 | $6,000 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | $417.77 | $533.91 | $1,133.83 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | $418.25 | $534.52 | $1,135.13 | $6,000 | $10,150 |
| WellPoint | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | $418.94 | $535.41 | $1,137.00 | $4,000 | $8,450 |
| WellPoint | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $423.52 | $541.26 | $1,149.43 | $5,500 | $10,600 |
| WellPoint | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $427.18 | $545.94 | $1,159.37 | $7,500 | $10,000 |
| WellPoint | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | $428.22 | $547.27 | $1,162.19 | $4,500 | $10,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | $429.74 | $549.21 | $1,166.31 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | $433.87 | $554.48 | $1,177.51 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | $443.39 | $566.65 | $1,203.36 | $7,000 | $10,150 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | $448.70 | $573.43 | $1,217.76 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | $459.14 | $586.77 | $1,246.09 | $0 | $10,600 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 004 | Gold | $508.88 | $650.35 | $1,381.11 | $1,550 | $8,100 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | $508.94 | $650.43 | $1,381.27 | $2,000 | $8,200 |
| Baylor Scott and White Health Plan | BSW Elite Gold HMO 012 | Gold | $531.41 | $679.14 | $1,442.24 | $500 | $10,600 |
| WellPoint | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $545.12 | $696.66 | $1,479.46 | $800 | $9,000 |
| WellPoint | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $547.44 | $699.63 | $1,485.75 | $2,000 | $8,200 |
| WellPoint | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $548.37 | $700.82 | $1,488.28 | $1,500 | $5,000 |
| UnitedHealthcare | UHC Gold Standard | Gold | $551.13 | $704.34 | $1,495.75 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $563.98 | $720.76 | $1,530.63 | $0 | $7,800 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | $565.76 | $723.04 | $1,535.46 | $1,000 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | $567.71 | $725.53 | $1,540.76 | $550 | $10,100 |
| WellPoint | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $572.57 | $731.74 | $1,553.95 | $700 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | $573.94 | $733.50 | $1,557.67 | $1,000 | $8,200 |
| WellPoint | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $574.83 | $734.63 | $1,560.09 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | $575.29 | $735.22 | $1,561.34 | $2,400 | $10,400 |
| WellPoint | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | $576.11 | $736.27 | $1,563.56 | $1,000 | $8,950 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $578.81 | $739.71 | $1,570.88 | $0 | $7,800 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | $579.45 | $740.54 | $1,572.63 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | $580.58 | $741.99 | $1,575.71 | $1,000 | $7,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | $582.07 | $743.89 | $1,579.74 | $1,700 | $10,150 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | $604.79 | $772.92 | $1,641.40 | $2,000 | $8,200 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | $609.61 | $779.08 | $1,654.48 | $6,000 | $8,900 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 005 | Silver | $609.85 | $779.39 | $1,655.14 | $3,000 | $9,000 |
| Baylor Scott and White Health Plan | BSW Prime Silver HMO 008 | Silver | $610.33 | $780.01 | $1,656.45 | $5,000 | $8,500 |
| UnitedHealthcare | UHC Silver Standard | Silver | $638.69 | $816.24 | $1,733.40 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | $648.97 | $829.39 | $1,761.31 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | $649.73 | $830.36 | $1,763.37 | $3,500 | $9,200 |
| WellPoint | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $653.13 | $834.70 | $1,772.59 | $6,000 | $8,900 |
| WellPoint | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $659.23 | $842.50 | $1,789.15 | $3,500 | $9,950 |
| WellPoint | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $661.95 | $845.97 | $1,796.53 | $1,850 | $9,100 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | $663.80 | $848.34 | $1,801.56 | $3,000 | $8,950 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | $664.56 | $849.31 | $1,803.61 | $3,500 | $9,200 |
| WellPoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $665.96 | $851.10 | $1,807.42 | $3,500 | $9,950 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | $667.54 | $853.12 | $1,811.70 | $4,000 | $9,200 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | $674.22 | $861.65 | $1,829.83 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | $681.66 | $871.16 | $1,850.03 | $1,450 | $10,600 |
| WellPoint | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $685.87 | $876.54 | $1,861.45 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | $687.55 | $878.69 | $1,866.01 | $1,250 | $10,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | $690.21 | $882.09 | $1,873.23 | $6,000 | $8,900 |
| WellPoint | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $690.92 | $883.00 | $1,875.16 | $4,000 | $9,550 |
| WellPoint | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | $691.21 | $883.37 | $1,875.94 | $2,500 | $9,900 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | $707.20 | $903.80 | $1,919.34 | $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.