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Marketplace health plans in Freestone 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, Freestone County, Texas has 38 Marketplace health plans from 3 insurers: 8 bronze, 14 silver, 15 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $724.36 per month; the lowest bronze premium is $475.
What changed vs 2025
- Benchmark silver premium up $241.57 a month (+50.0%) from 2025
- 2 more plans than 2025
- Lowest bronze premium up $112.66 a month
Market snapshot
- Residents under 65
- 16,012
- Insurers
- 3
- Plans by metal level
- 8 bronze, 14 silver, 15 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $724.36/mo
- Lowest bronze premium, age 40, before subsidies
- $475/mo
- Lowest gold premium, age 40, before subsidies
- $634.26/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 12 plans (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 | Blue Advantage Security HMO℠ 200 (33602TX0460677) | Blue Cross and Blue Shield of Texas | HMO | $530.49 | $10,600 | $10,600 | 1 |
|---|
| Bronze | BSW Savers Bronze HMO H S A 006 (40788TX0460006) | Baylor Scott and White Health Plan | HMO | $475 | $8,000 | $8,000 | 8 |
|---|
| Silver | Standard Silver (29418TX0140108) | Ambetter from Superior HealthPlan | EPO | $720.67 | $6,000 | $8,900 | 14 |
|---|
| Gold | BSW Elite Gold HMO 004 (40788TX0460004) | Baylor Scott and White Health Plan | HMO | $634.26 | $1,550 | $8,100 | 15 |
|---|
One plan per metal level shown, of 38 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter from Superior HealthPlan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $566.81 | $594 | $643.31 | $724.36 | $1,012.30 | $1,538.28 |
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.