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Marketplace health plans in Polk 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, Polk County, Texas has 36 Marketplace health plans from 3 insurers: 11 bronze, 12 silver, 12 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $695.45 per month; the lowest bronze premium is $443.32.
What changed vs 2025
- Benchmark silver premium up $157.35 a month (+29.2%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $80.10 a month
Market snapshot
- Residents under 65
- 42,699
- Insurers
- 3
- Plans by metal level
- 11 bronze, 12 silver, 12 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $695.45/mo
- Lowest bronze premium, age 40, before subsidies
- $443.32/mo
- Lowest gold premium, age 40, before subsidies
- $587.04/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,500
Insurers in the county
- Blue Cross and Blue Shield of Texas — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 14 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 | Blue Advantage Security HMO℠ 200 (33602TX0460657) | Blue Cross and Blue Shield of Texas | HMO | $437.65 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010003) | Community Health Choice | HMO | $443.32 | $8,500 | $10,600 | 11 |
|---|
| Silver | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010020) | Community Health Choice | HMO | $694.80 | $6,000 | $8,900 | 12 |
|---|
| Gold | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010021) | Community Health Choice | HMO | $587.04 | $2,000 | $8,200 | 12 |
|---|
One plan per metal level shown, of 36 plans in the county.
Benchmark silver premium by age
The benchmark plan (Community Health Choice) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $544.17 | $570.29 | $617.64 | $695.45 | $971.89 | $1,476.88 |
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.