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Marketplace health plans in Ellis County, TX — 2027
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 2027, Ellis County, Texas has 111 Marketplace health plans from 6 insurers: 28 bronze, 40 silver, 40 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $749.67 per month; the lowest bronze premium is $505.53.
What changed vs 2026
- Benchmark silver premium up $57.11 a month (+8.2%) from 2026
- 8 fewer plans than 2026
- Insurers exited: Baylor Scott and White Health Plan, Cigna Healthcare
- Lowest bronze premium up $72.39 a month
Market snapshot
- Residents under 65
- 185,372
- Insurers
- 6
- Plans by metal level
- 28 bronze, 40 silver, 40 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $749.67/mo
- Lowest bronze premium, age 40, before subsidies
- $505.53/mo
- Lowest gold premium, age 40, before subsidies
- $633.63/mo
- Lowest silver deductible
- $1,850
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- Oscar Insurance Company — 28 plans (Bronze, Silver, Gold)
- WellPoint — 23 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 17 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Molina Healthcare — 12 plans (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 | Wellpoint Essential Catastrophic HSA (+ Incentives) (47501TX0040006) | WellPoint | HMO | $471.30 | $12,000 | $12,000 | 3 |
| Bronze | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) (47501TX0040004) | WellPoint | HMO | $505.53 | $6,000 | $12,000 | 28 |
| Silver | Silver Classic Standard Guided Care (20069TX0510033) | Oscar Insurance Company | HMO | $747.93 | $6,400 | $10,300 | 40 |
| Gold | Gold Elite Saver Plus Guided Care (20069TX0510113) | Oscar Insurance Company | HMO | $633.63 | $0 | $11,750 | 40 |
One plan per metal level shown, of 111 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Insurance Company) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $586.61 | $614.76 | $665.79 | $749.67 | $1,047.67 | $1,592.03 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.