Health insurance prices in Bell County, TX (2026)
55 marketplace plans from 4 insurers. Cheapest plan $487/mo; typical Silver $788/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 11.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $487–$586 (typical $541) · Silver $731–$934 (typical $788) · Gold $651–$799 (typical $693) · Catastrophic $533–$533 (typical $533)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 12 | $668 Gold | no Bronze | $750 | $688 | Standard Gold | |
| Baylor Scott & White Health Plan | 10 | $487 | $495 | $780 | $665 | BSW Savers Bronze HMO H S A 006 | |
| UnitedHealthcareUnitedHealth Group | 14 | $508 | $540 | $795 | $692 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 19 | $527 | $542 | $896 | $755 | Blue Advantage Bronze HMO℠ 301 |
All 55 plans in Bell County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | HMO | $487 | $8,000 | $8,000 | $13,848 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | HMO | $495 | $7,500 | $10,000 | $15,942 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | HMO | $501 | $5,300 | $10,600 | $16,611 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $508 | $10,600 | $10,600 | $16,696 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | HMO | $527 | $10,600 | $10,600 | $16,921 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $531 | $7,500 | $10,000 | $16,369 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $533 | $10,600 | $10,600 | $16,998 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $541 | $7,500 | $10,000 | $16,495 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $542 | $6,000 | $10,150 | $16,652 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $542 | $7,300 | $10,600 | $17,109 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $549 | $7,500 | $10,000 | $16,587 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $562 | $0 | $10,600 | $17,340 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $568 | $7,500 | $10,000 | $16,814 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $586 | $7,000 | $10,150 | $17,180 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 004 | Gold | HMO | $651 | $1,550 | $8,100 | $15,909 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | HMO | $651 | $2,000 | $8,200 | $16,010 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $668 | $2,000 | $8,200 | $16,217 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $671 | $800 | $7,250 | $15,304 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $674 | $2,000 | $8,200 | $16,290 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 012 | Gold | HMO | $680 | $500 | $10,600 | $18,754 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $683 | $1,450 | $7,500 | $15,700 | |
| Baylor Scott & White Health Plan | BSW Diabetes Care Gold HMO 014 | Gold | HMO | $683 | $1,700 | $10,150 | $18,352 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $690 | $0 | $7,800 | $16,079 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $692 | $1,000 | $7,500 | $15,805 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $693 | $2,000 | $8,200 | $16,516 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $696 | $800 | $7,250 | $15,604 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $708 | $0 | $7,800 | $16,297 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $709 | $1,450 | $7,500 | $16,005 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $710 | $1,000 | $7,500 | $16,023 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $731 | $6,000 | $8,900 | $17,669 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $734 | $6,300 | $8,400 | $17,214 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $735 | $550 | $10,100 | $18,925 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $741 | $5,000 | $8,650 | $17,547 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | HMO | $744 | $1,000 | $8,200 | $17,122 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $751 | $2,000 | $8,200 | $17,208 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $758 | $6,000 | $8,900 | $17,998 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $760 | $2,400 | $10,400 | $19,521 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $762 | $6,300 | $8,400 | $17,545 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $769 | $1,700 | $10,150 | $19,379 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $769 | $5,000 | $8,650 | $17,881 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | HMO | $780 | $6,000 | $8,900 | $18,254 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 005 | Silver | HMO | $780 | $3,000 | $9,000 | $18,358 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 008 | Silver | HMO | $780 | $5,000 | $8,500 | $17,866 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $781 | $6,000 | $8,900 | $18,276 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $794 | $3,000 | $8,950 | $18,477 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $795 | $3,500 | $9,200 | $18,738 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $799 | $2,000 | $8,200 | $17,789 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $812 | $3,000 | $8,950 | $18,694 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $813 | $3,500 | $9,200 | $18,955 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | HMO | $865 | $4,000 | $9,200 | $19,577 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $873 | $6,000 | $8,900 | $19,381 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $883 | $1,450 | $10,600 | $21,197 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $908 | $1,250 | $10,500 | $21,401 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $912 | $6,000 | $8,900 | $19,843 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $934 | $0 | $10,150 | $21,363 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $487 | $541 | $586 | 13 | $7,500 | $10,150 | $16,652 |
| Silver | $731 | $788 | $934 | 20 | $5,000 | $8,900 | $18,417 |
| Gold | $651 | $693 | $799 | 21 | $1,450 | $8,200 | $16,290 |
| CatastrophicUnder 30 or hardship exemption only | $533 | $533 | $533 | 1 | $10,600 | $10,600 | $16,998 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.