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Marketplace health plans in Montgomery 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, Montgomery County, Texas has 112 Marketplace health plans from 7 insurers: 29 bronze, 43 silver, 38 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $667.85 per month; the lowest bronze premium is $442.79.
What changed vs 2025
- Benchmark silver premium up $187.34 a month (+39.0%) from 2025
- 1 more plan than 2025
- Insurers entered: Imperial Insurance Companies, Inc.
- Insurers exited: Aetna CVS Health, Molina Healthcare
- Lowest bronze premium up $73.23 a month
Market snapshot
- Residents under 65
- 590,375
- Insurers
- 7
- Plans by metal level
- 29 bronze, 43 silver, 38 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $667.85/mo
- Lowest bronze premium, age 40, before subsidies
- $442.79/mo
- Lowest gold premium, age 40, before subsidies
- $605.24/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)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Imperial Insurance Companies, Inc. — 7 plans (Bronze, 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 | Wellpoint Essential Catastrophic (+ Incentives) (47501TX0040006) | WellPoint | HMO | $431.99 | $10,600 | $10,600 | 2 |
|---|
| Bronze | MyBlue Health Bronze℠ Standard (33602TX0461213) | Blue Cross and Blue Shield of Texas | HMO | $442.79 | $7,500 | $10,000 | 29 |
|---|
| Silver | UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded (40220TX0080033) | UnitedHealthcare | HMO | $652.92 | $0 | $9,200 | 43 |
|---|
| Gold | MyBlue Health Gold℠ 403 (33602TX0461215) | Blue Cross and Blue Shield of Texas | HMO | $605.24 | $500 | $8,500 | 38 |
|---|
One plan per metal level shown, of 112 plans in the county.
Benchmark silver premium by age
The benchmark plan (UnitedHealthcare) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $522.57 | $547.65 | $593.12 | $667.85 | $933.31 | $1,418.26 |
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.