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Marketplace health plans in Caldwell County, TX — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Caldwell County, Texas has 96 Marketplace health plans from 7 insurers: 29 bronze, 32 silver, 32 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $609.68 per month; the lowest bronze premium is $387.22.
What changed vs 2025
- Benchmark silver premium up $86.20 a month (+16.5%) from 2025
- 3 more plans than 2025
- Lowest bronze premium up $18.61 a month
Market snapshot
- Residents under 65
- 41,223
- Insurers
- 7
- Plans by metal level
- 29 bronze, 32 silver, 32 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $609.68/mo
- Lowest bronze premium, age 40, before subsidies
- $387.22/mo
- Lowest gold premium, age 40, before subsidies
- $509/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- WellPoint — 21 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- CHRISTUS Health Plan — 14 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 14 plans (Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 12 plans (Silver, Gold)
- Oscar Insurance Company — 12 plans (Bronze, Silver, Gold)
- Sendero Health Plans, Local Nonprofit — 7 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | CHRISTUS Catastrophic (3 Free PCP visits) (66252TX0380100) | CHRISTUS Health Plan | HMO | $321.51 | $10,600 | $10,600 | 3 |
|---|
| Bronze | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) (66252TX0380001) | CHRISTUS Health Plan | HMO | $387.22 | $7,500 | $10,000 | 29 |
|---|
| Silver | Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs (71837TX0010017) | Sendero Health Plans, Local Nonprofit | HMO | $607.90 | $6,000 | $8,900 | 32 |
|---|
| Gold | CHRISTUS Standard Gold ($0 Virtual Urgent Care) (66252TX0380013) | CHRISTUS Health Plan | HMO | $509 | $2,000 | $8,200 | 32 |
|---|
One plan per metal level shown, of 96 plans in the county.
Benchmark silver premium by age
The benchmark plan (CHRISTUS Health Plan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $477.06 | $499.96 | $541.46 | $609.68 | $852.02 | $1,294.73 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.