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Marketplace health plans in Ellis 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, Ellis County, Texas has 119 Marketplace health plans from 8 insurers: 29 bronze, 44 silver, 44 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $692.56 per month; the lowest bronze premium is $433.14.
What changed vs 2025
- Benchmark silver premium up $213.85 a month (+44.7%) from 2025
- 11 more plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $73.87 a month
Market snapshot
- Residents under 65
- 185,372
- Insurers
- 8
- Plans by metal level
- 29 bronze, 44 silver, 44 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $692.56/mo
- Lowest bronze premium, age 40, before subsidies
- $433.14/mo
- Lowest gold premium, age 40, before subsidies
- $588.29/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- Oscar Insurance Company — 23 plans (Bronze, Silver, Gold)
- WellPoint — 21 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 14 plans (Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 12 plans (Silver, Gold)
- Molina Healthcare — 12 plans (Silver, Gold)
- Cigna Healthcare — 11 plans (Bronze, Silver, Gold)
- Baylor Scott and White Health Plan — 10 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 | Wellpoint Essential Catastrophic (+ Incentives) (47501TX0040006) | WellPoint | HMO | $411.53 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040004) | WellPoint | HMO | $433.14 | $6,000 | $10,600 | 29 |
|---|
| Silver | Molina Silver Saver with Four Free PCP Visits (45786TX0020012) | Molina Healthcare | HMO | $688.04 | $7,000 | $10,150 | 44 |
|---|
| Gold | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040009) | WellPoint | HMO | $588.29 | $800 | $9,000 | 44 |
|---|
One plan per metal level shown, of 119 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 |
|---|
| $541.92 | $567.92 | $615.07 | $692.56 | $967.85 | $1,470.74 |
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.