Health insurance prices in Caldwell County, TX (2026)
96 marketplace plans from 7 insurers. Cheapest plan $387/mo; typical Silver $781/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 3.
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 $387–$678 (typical $485) · Silver $608–$1,082 (typical $781) · Gold $509–$925 (typical $651) · Catastrophic $322–$630 (typical $433)
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 |
|---|---|---|---|---|---|---|---|
| Sendero Health PlansSendero (Central Health, Travis Co.) | 7 | $433 | $446 | $625 | $582 | Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist | |
| CHRISTUS Health Plan | 14 | $387 | $392 | $627 | $530 | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | |
| UnitedHealthcareUnitedHealth Group | 14 | $450 | $478 | $704 | $613 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Wellpoint (Elevance Health) | 21 | $455 | $475 | $756 | $636 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Ambetter (Centene) | 12 | $747 Gold | no Bronze | $838 | $769 | Standard Gold | |
| Oscar Health | 12 | $533 | $559 | $856 | $740 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $628 | $640 | $1,052 | $886 | Blue Advantage Plus Bronze℠ 305 |
All 96 plans in Caldwell County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | HMO | $322 | $10,600 | $10,600 | $14,458 | |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $387 | $7,500 | $10,000 | $14,647 | |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $392 | $8,500 | $9,900 | $14,608 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $392 | $7,450 | $9,850 | $14,559 | |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $403 | $8,500 | $9,900 | $14,736 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $404 | $7,450 | $9,850 | $14,693 | |
| Sendero Health Plans | Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist | Expanded Bronze | HMO | $433 | $7,500 | $10,000 | $15,192 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $433 | $10,600 | $10,600 | $15,793 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $450 | $10,600 | $10,600 | $16,002 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $455 | $6,000 | $10,600 | $16,065 | |
| Sendero Health Plans | Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs | Expanded Bronze | HMO | $459 | $8,550 | $9,800 | $15,311 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $462 | $7,500 | $10,000 | $15,540 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $463 | $6,000 | $10,600 | $16,156 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $470 | $7,500 | $10,000 | $15,645 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $475 | $4,000 | $8,450 | $14,155 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $481 | $5,500 | $10,600 | $16,367 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $485 | $7,500 | $10,000 | $15,817 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $486 | $4,500 | $10,600 | $16,431 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $486 | $7,500 | $10,000 | $15,838 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $498 | $0 | $10,600 | $16,573 | |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | HMO | $509 | $2,000 | $8,200 | $14,308 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $516 | $3,750 | $9,200 | $15,392 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $530 | $3,750 | $9,200 | $15,558 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $533 | $9,000 | $10,600 | $16,994 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $537 | $0 | $9,200 | $15,642 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $551 | $7,500 | $10,000 | $16,613 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $554 | $0 | $9,200 | $15,847 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $558 | $4,700 | $9,800 | $16,492 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $559 | $5,500 | $10,150 | $16,863 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $569 | $5,500 | $10,150 | $16,975 | |
| Sendero Health Plans | Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugs | Gold | HMO | $577 | $2,000 | $8,200 | $15,128 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $583 | $0 | $10,150 | $17,142 | |
| Sendero Health Plans | Sendero Health Real Gold / $350 Deductible | Gold | HMO | $587 | $350 | $8,750 | $15,795 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $598 | $2,000 | $8,200 | $15,370 | |
| Sendero Health Plans | Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs | Silver | HMO | $608 | $6,000 | $8,900 | $16,195 | |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | HMO | $610 | $6,000 | $8,900 | $16,216 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $611 | $0 | $7,800 | $15,137 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $613 | $1,000 | $7,500 | $14,861 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $619 | $800 | $9,000 | $16,423 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $621 | $2,000 | $8,200 | $15,655 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $622 | $1,500 | $5,000 | $12,467 | |
| Sendero Health Plans | Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugs | Silver | HMO | $625 | $4,250 | $7,750 | $15,250 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $627 | $6,900 | $9,300 | $16,821 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $628 | $0 | $7,800 | $15,330 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $628 | $7,300 | $10,600 | $18,137 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $629 | $1,000 | $7,500 | $15,053 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $630 | $10,600 | $10,600 | $18,155 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $639 | $7,500 | $10,000 | $17,670 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $640 | $6,000 | $10,150 | $17,828 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $645 | $6,900 | $9,300 | $17,034 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $650 | $700 | $7,500 | $15,297 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $652 | $2,000 | $8,200 | $16,028 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $654 | $1,000 | $8,950 | $16,795 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $657 | $7,500 | $10,000 | $17,890 | |
| Sendero Health Plans | Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible | Silver | HMO | $666 | $0 | $9,200 | $17,194 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $678 | $7,000 | $10,150 | $18,290 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $692 | $6,000 | $8,900 | $17,209 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $704 | $3,000 | $8,950 | $17,393 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $704 | $3,500 | $9,200 | $17,653 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $720 | $3,000 | $8,950 | $17,586 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $720 | $3,500 | $9,200 | $17,846 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $729 | $2,000 | $8,200 | $16,943 | |
| Oscar Health | Gold Classic | Gold | EPO | $740 | $2,500 | $8,000 | $16,879 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $741 | $6,000 | $8,900 | $17,794 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $747 | $2,000 | $8,200 | $17,159 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $748 | $3,500 | $9,950 | $18,927 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $750 | $800 | $7,250 | $16,250 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $751 | $1,850 | $9,100 | $18,114 | |
| Oscar Health | Gold Elite | Gold | EPO | $755 | $1,200 | $7,800 | $16,863 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $756 | $3,500 | $9,950 | $19,019 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $764 | $1,450 | $7,500 | $16,663 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $774 | $2,000 | $8,200 | $17,492 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $778 | $800 | $7,250 | $16,585 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $778 | $6,000 | $8,900 | $18,240 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $784 | $4,000 | $9,550 | $18,958 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $784 | $2,500 | $9,900 | $19,312 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $792 | $1,450 | $7,500 | $17,004 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $817 | $6,000 | $8,900 | $18,698 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $821 | $6,300 | $8,400 | $18,249 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $828 | $5,000 | $8,650 | $18,591 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $847 | $6,000 | $8,900 | $19,067 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $850 | $5,750 | $10,150 | $20,356 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $852 | $6,300 | $8,400 | $18,619 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $856 | $6,000 | $8,900 | $19,175 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $860 | $5,000 | $8,650 | $18,965 | |
| Oscar Health | Silver Classic | Silver | EPO | $868 | $5,500 | $8,900 | $19,314 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $868 | $550 | $10,100 | $20,522 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $880 | $2,400 | $10,400 | $20,962 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $886 | $2,000 | $8,200 | $18,838 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $891 | $1,700 | $10,150 | $20,836 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $925 | $2,000 | $8,200 | $19,303 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $1,031 | $6,000 | $8,900 | $21,277 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $1,043 | $1,450 | $10,600 | $23,114 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $1,052 | $1,250 | $10,500 | $23,123 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $1,056 | $6,000 | $8,900 | $21,572 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $1,082 | $0 | $10,150 | $23,134 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $387 | $485 | $678 | 29 | $7,450 | $10,000 | $16,156 |
| Silver | $608 | $781 | $1,082 | 32 | $5,250 | $8,925 | $18,605 |
| Gold | $509 | $651 | $925 | 32 | $1,475 | $8,200 | $16,139 |
| CatastrophicUnder 30 or hardship exemption only | $322 | $433 | $630 | 3 | $10,600 | $10,600 | $15,793 |
* 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.