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Marketplace health plans in Harris 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, Harris County, Texas has 121 Marketplace health plans from 7 insurers: 32 bronze, 46 silver, 41 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $592.05 per month; the lowest bronze premium is $374.51.
What changed vs 2025
- Benchmark silver premium up $154.45 a month (+35.3%) from 2025
- 9 fewer plans than 2025
- Insurers exited: Aetna CVS Health, Molina Healthcare
- Lowest bronze premium up $71.76 a month
Market snapshot
- Residents under 65
- 4,271,155
- Insurers
- 7
- Plans by metal level
- 32 bronze, 46 silver, 41 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $592.05/mo
- Lowest bronze premium, age 40, before subsidies
- $374.51/mo
- Lowest gold premium, age 40, before subsidies
- $501.60/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- Oscar Insurance Company — 23 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 22 plans (Catastrophic, Bronze, Silver, Gold)
- WellPoint — 21 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 18 plans (Silver, Gold)
- Community Health Choice — 15 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Imperial Insurance Companies, Inc. — 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 | Wellpoint Essential Catastrophic (+ Incentives) (47501TX0040006) | WellPoint | HMO | $449.09 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010016) | Community Health Choice | HMO | $374.51 | $9,800 | $10,600 | 32 |
|---|
| Silver | Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010019) | Community Health Choice | HMO | $586.21 | $4,500 | $9,000 | 46 |
|---|
| Gold | Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010022) | Community Health Choice | HMO | $501.60 | $2,000 | $9,200 | 41 |
|---|
One plan per metal level shown, of 121 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 |
|---|
| $463.27 | $485.50 | $525.80 | $592.05 | $827.38 | $1,257.29 |
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.