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Marketplace health plans in Hardin 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, Hardin County, Texas has 64 Marketplace health plans from 5 insurers: 16 bronze, 23 silver, 23 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $643.72 per month; the lowest bronze premium is $408.84.
What changed vs 2025
- Benchmark silver premium up $176.76 a month (+37.9%) from 2025
- 2 more plans than 2025
- Lowest bronze premium up $64.10 a month
Market snapshot
- Residents under 65
- 47,433
- Insurers
- 5
- Plans by metal level
- 16 bronze, 23 silver, 23 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $643.72/mo
- Lowest bronze premium, age 40, before subsidies
- $408.84/mo
- Lowest gold premium, age 40, before subsidies
- $537.41/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,990
Insurers in the county
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- CHRISTUS Health Plan — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 14 plans (Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 12 plans (Silver, Gold)
- Community Health Choice — 6 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 | $339.46 | $10,600 | $10,600 | 2 |
|---|
| Bronze | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) (66252TX0380001) | CHRISTUS Health Plan | HMO | $408.84 | $7,500 | $10,000 | 16 |
|---|
| Silver | CHRISTUS Value Silver 70 ($0 Virtual Urgent Care) (66252TX0380010) | CHRISTUS Health Plan | HMO | $625.26 | $5,990 | $5,990 | 23 |
|---|
| Gold | CHRISTUS Standard Gold ($0 Virtual Urgent Care) (66252TX0380013) | CHRISTUS Health Plan | HMO | $537.41 | $2,000 | $8,200 | 23 |
|---|
One plan per metal level shown, of 64 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 |
|---|
| $503.69 | $527.87 | $571.69 | $643.72 | $899.59 | $1,367.02 |
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.