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Marketplace health plans in Harris 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, Harris County, Texas has 140 Marketplace health plans from 8 insurers: 37 bronze, 51 silver, 47 gold, 5 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $668.80 per month; the lowest bronze premium is $448.99.
What changed vs 2026
- Benchmark silver premium up $76.75 a month (+13.0%) from 2026
- 19 more plans than 2026
- Insurers entered: Harbor Health
- Lowest bronze premium up $74.48 a month
Market snapshot
- Residents under 65
- 4,271,155
- Insurers
- 8
- Plans by metal level
- 37 bronze, 51 silver, 47 gold, 5 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $668.80/mo
- Lowest bronze premium, age 40, before subsidies
- $448.99/mo
- Lowest gold premium, age 40, before subsidies
- $597.87/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- Oscar Insurance Company — 28 plans (Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 24 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 23 plans (Catastrophic, Bronze, Silver, Gold)
- WellPoint — 23 plans (Catastrophic, Bronze, Silver, Gold)
- Community Health Choice — 15 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Imperial Insurance Companies, Inc. — 8 plans (Catastrophic, Bronze, Silver, Gold)
- Harbor Health — 4 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 | Imperial Preferred Catastrophic (34826TX0030004) | Imperial Insurance Companies, Inc. | HMO | $455.09 | $12,000 | $12,000 | 5 |
| Bronze | MyBlue Health Bronze℠ - Standard HSA (33602TX0461161) | Blue Cross and Blue Shield of Texas | HMO | $448.99 | $7,500 | $12,000 | 37 |
| Silver | Streamlined VALUE Silver (87226TX0100015) | Ambetter from Superior HealthPlan | HMO | $656.39 | $4,700 | $11,300 | 51 |
| Gold | MyBlue Health Gold℠ - Standard (33602TX0461168) | Blue Cross and Blue Shield of Texas | HMO | $597.87 | $2,500 | $8,600 | 47 |
One plan per metal level shown, of 140 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 |
|---|---|---|---|---|---|
| $523.32 | $548.43 | $593.96 | $668.80 | $934.64 | $1,420.28 |
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.