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Marketplace health plans in Polk 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, Polk County, Texas has 60 Marketplace health plans from 4 insurers: 19 bronze, 19 silver, 19 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $793.71 per month; the lowest bronze premium is $482.55.
What changed vs 2026
- Benchmark silver premium up $98.26 a month (+14.1%) from 2026
- 24 more plans than 2026
- Insurers entered: WellPoint
- Lowest bronze premium up $39.23 a month
Market snapshot
- Residents under 65
- 42,699
- Insurers
- 4
- Plans by metal level
- 19 bronze, 19 silver, 19 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $793.71/mo
- Lowest bronze premium, age 40, before subsidies
- $482.55/mo
- Lowest gold premium, age 40, before subsidies
- $656.32/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 — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 15 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 HSA (+ Incentives) (47501TX0040006) | WellPoint | HMO | $449.88 | $12,000 | $12,000 | 3 |
| Bronze | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) (47501TX0040004) | WellPoint | HMO | $482.55 | $6,000 | $12,000 | 19 |
| Silver | Wellpoint Essential Silver 6400 Standard ($0 Select Drugs + Incentives) (47501TX0040013) | WellPoint | HMO | $785.23 | $6,400 | $10,300 | 19 |
| Gold | Wellpoint Heart Healthy Essential Gold 500 ($0 Select Drugs + Incentives) (47501TX0040016) | WellPoint | HMO | $656.32 | $500 | $10,500 | 19 |
One plan per metal level shown, of 60 plans in the county.
Benchmark silver premium by age
The benchmark plan (WellPoint) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $621.06 | $650.87 | $704.90 | $793.71 | $1,109.21 | $1,685.56 |
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.