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Marketplace health plans in Karnes 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, Karnes County, Texas has 70 Marketplace health plans from 4 insurers: 22 bronze, 21 silver, 23 gold, 4 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $855.22 per month; the lowest bronze premium is $520.07.
What changed vs 2026
- Benchmark silver premium up $129.86 a month (+17.9%) from 2026
- 23 more plans than 2026
- Insurers entered: WellPoint
- Lowest bronze premium up $71.92 a month
Market snapshot
- Residents under 65
- 12,700
- Insurers
- 4
- Plans by metal level
- 22 bronze, 21 silver, 23 gold, 4 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $855.22/mo
- Lowest bronze premium, age 40, before subsidies
- $520.07/mo
- Lowest gold premium, age 40, before subsidies
- $694.57/mo
- Lowest silver deductible
- $1,850
- Lowest out-of-pocket maximum
- $5,000
Insurers in the county
- WellPoint — 23 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Texas — 18 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- CHRISTUS Health Plan — 14 plans (Catastrophic, 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 HSA (+ Incentives) (47501TX0040006) | WellPoint | HMO | $496.45 | $12,000 | $12,000 | 4 |
| Bronze | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) (66252TX0380001) | CHRISTUS Health Plan | HMO | $520.07 | $7,500 | $12,000 | 22 |
| Silver | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) (66252TX0380008) | CHRISTUS Health Plan | HMO | $831.98 | $6,400 | $10,300 | 21 |
| Gold | CHRISTUS Standard Gold ($0 Virtual Urgent Care) (66252TX0380013) | CHRISTUS Health Plan | HMO | $694.57 | $2,500 | $8,600 | 23 |
One plan per metal level shown, of 70 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 |
|---|---|---|---|---|---|
| $669.19 | $701.31 | $759.53 | $855.22 | $1,195.17 | $1,816.17 |
Nearby counties
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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.