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Marketplace health plans in McMullen 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, McMullen County, Texas has 45 Marketplace health plans from 3 insurers: 16 bronze, 14 silver, 14 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $735.29 per month; the lowest bronze premium is $457.56.
What changed vs 2025
- Benchmark silver premium up $208.81 a month (+39.7%) from 2025
- 4 more plans than 2025
- Lowest bronze premium up $74.14 a month
Market snapshot
- Residents under 65
- 579
- Insurers
- 3
- Plans by metal level
- 16 bronze, 14 silver, 14 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $735.29/mo
- Lowest bronze premium, age 40, before subsidies
- $457.56/mo
- Lowest gold premium, age 40, before subsidies
- $625.63/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,500
Insurers in the county
- Blue Cross and Blue Shield of Texas — 19 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 14 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 12 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 (33602TX0460665) | Blue Cross and Blue Shield of Texas | HMO | $597.99 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits (20069TX0100064) | Oscar Insurance Company | EPO | $457.56 | $9,000 | $10,600 | 16 |
|---|
| Silver | Silver Simple PCP Saver (20069TX0100025) | Oscar Insurance Company | EPO | $730.31 | $5,750 | $10,150 | 14 |
|---|
| Gold | Gold Classic Standard (20069TX0100053) | Oscar Insurance Company | EPO | $625.63 | $2,000 | $8,200 | 14 |
|---|
One plan per metal level shown, of 45 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Insurance Company) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $575.36 | $602.96 | $653.02 | $735.29 | $1,027.57 | $1,561.49 |
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.