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Marketplace health plans in Smith 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, Smith County, Texas has 66 Marketplace health plans from 4 insurers: 18 bronze, 23 silver, 22 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $689.41 per month; the lowest bronze premium is $471.81.
What changed vs 2026
- Benchmark silver premium up $17.29 a month (+2.6%) from 2026
- 5 more plans than 2026
- Lowest bronze premium up $44.93 a month
Market snapshot
- Residents under 65
- 199,582
- Insurers
- 4
- Plans by metal level
- 18 bronze, 23 silver, 22 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $689.41/mo
- Lowest bronze premium, age 40, before subsidies
- $471.81/mo
- Lowest gold premium, age 40, before subsidies
- $619.41/mo
- Lowest silver deductible
- $3,100
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Blue Cross and Blue Shield of Texas — 18 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter from Superior HealthPlan — 17 plans (Bronze, Silver, Gold)
- CHRISTUS Health Plan — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 15 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 | CHRISTUS Catastrophic (3 Free PCP visits) (66252TX0380100) | CHRISTUS Health Plan | HMO | $458.09 | $12,000 | $12,000 | 3 |
| Bronze | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) (66252TX0380001) | CHRISTUS Health Plan | HMO | $471.81 | $7,500 | $12,000 | 18 |
| Silver | Streamlined Silver (29418TX0140087) | Ambetter from Superior HealthPlan | EPO | $676.65 | $4,700 | $11,300 | 23 |
| Gold | Signature Gold (29418TX0140109) | Ambetter from Superior HealthPlan | EPO | $619.41 | $2,500 | $8,600 | 22 |
One plan per metal level shown, of 66 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter from Superior HealthPlan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $539.46 | $565.34 | $612.27 | $689.41 | $963.45 | $1,464.06 |
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.