Health insurance prices in Collin County, TX (2026)

127 marketplace plans from 9 insurers. Cheapest plan $433/mo; typical Silver $761/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 8.

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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 $433–$648 (typical $501) · Silver $667–$1,033 (typical $761) · Gold $588–$900 (typical $675) · Catastrophic $412–$601 (typical $506)

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 planInsurerPlansCheapest planTypical BronzeTypical SilverTypical GoldCheapest plan name
Molina Healthcare12$591 Goldno Bronze$696$595Molina Gold Saver 750
Baylor Scott & White Health Plan10$442$449$707$603BSW Savers Bronze HMO H S A 006
Wellpoint (Elevance Health)21$433$452$719$605Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Imperial Health Plan7$475$491$755$685Imperial Preferred Bronze
Oscar Health12$476$499$766$662Bronze Simple Breathe Easy with Enhanced COPD Benefits
UnitedHealthcareUnitedHealth Group14$551$586$863$751UHC Bronze Essential ($0 Virtual Urgent Care)
Ambetter (Centene)18$610 Goldno Bronze$930$860Standard Gold VALUE
Cigna HealthcareCigna Group11$635$641$975$785Connect Bronze DFW 8500 Indiv Med Deductible
Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company)22$482$610$996$841MyBlue Health Bronze℠ Standard

All 127 plans in Collin County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Wellpoint (Elevance Health)Wellpoint Essential Catastrophic (+ Incentives)CatastrophicHMO$412$10,600$10,600$15,538
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$433$6,000$10,600$15,798
Wellpoint (Elevance Health)Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$439$7,500$10,000$15,268
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs)Expanded BronzeHMO$440$6,000$10,600$15,884
Baylor Scott & White Health PlanBSW Savers Bronze HMO H S A 006Expanded BronzeHMO$442$8,000$8,000$13,301
Baylor Scott & White Health PlanBSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay)Expanded BronzeHMO$449$7,500$10,000$15,386
Wellpoint (Elevance Health)Wellpoint Essential Bronze 4000 HSA (+ Incentives)Expanded BronzeHMO$452$4,000$8,450$13,875
Baylor Scott & White Health PlanBSW Savers Bronze HMO H S A 009Expanded BronzeHMO$454$5,300$10,600$16,049
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$457$5,500$10,600$16,085
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$461$7,500$10,000$15,532
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$462$4,500$10,600$16,146
Imperial Health PlanImperial Preferred BronzeBronzeHMO$475$9,200$9,200$14,896
Oscar HealthBronze Simple Breathe Easy with Enhanced COPD BenefitsExpanded BronzeEPO$476$9,000$10,600$16,317
Blue Cross and Blue Shield of TexasMyBlue Health Bronze℠ StandardExpanded BronzeHMO$482$7,500$10,000$15,784
Oscar HealthBronze Classic StandardExpanded BronzeEPO$493$7,500$10,000$15,912
Oscar HealthBronze Classic 4700Expanded BronzeEPO$499$4,700$9,800$15,783
Oscar HealthBronze Simple DiabetesExpanded BronzeEPO$500$5,500$10,150$16,152
Blue Cross and Blue Shield of TexasMyBlue Health Bronze℠ 402Expanded BronzeHMO$501$5,000$9,000$15,006
Imperial Health PlanImperial Standard BronzeExpanded BronzeHMO$508$7,500$10,000$16,092
Oscar HealthBronze Simple Chronic Care CKMExpanded BronzeEPO$509$5,500$10,150$16,252
Oscar HealthBronze Elite + PCP Saver PlusExpanded BronzeEPO$521$0$10,150$16,402
UnitedHealthcareUHC Bronze Essential ($0 Virtual Urgent Care)BronzeHMO$551$10,600$10,600$17,218
UnitedHealthcareUHC Bronze StandardExpanded BronzeHMO$576$7,500$10,000$16,914
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$588$800$9,000$16,059
Baylor Scott & White Health PlanBSW Elite Gold HMO 004GoldHMO$590$1,550$8,100$15,179
Baylor Scott & White Health PlanBSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay)GoldHMO$590$2,000$8,200$15,280
Molina HealthcareMolina Gold Saver 750GoldHMO$591$750$9,400$16,486
Molina HealthcareMolina Gold Core 1640GoldHMO$591$1,640$8,100$15,188
Wellpoint (Elevance Health)Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$591$2,000$8,200$15,289
Wellpoint (Elevance Health)Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$592$1,500$5,000$12,101
Molina HealthcareMolina Gold Saver 750 Pluswith Adult VisionGoldHMO$595$750$9,400$16,536
Molina HealthcareMolina Gold Core 1640 Pluswith Adult VisionGoldHMO$595$1,640$8,100$15,238
UnitedHealthcareUHC Bronze Standard+ (Dental + Vision)Expanded BronzeHMO$596$7,500$10,000$17,151
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ 305BronzePOS$600$7,300$10,600$17,799
Blue Cross and Blue Shield of TexasBlue Advantage Security HMO℠ 200CatastrophicHMO$601$10,600$10,600$17,817
Molina HealthcareMolina Gold Saver 750 Pluswith Adult Dental and VisionGoldHMO$609$750$9,400$16,710
Molina HealthcareMolina Gold Core 1640 Pluswith Adult Dental and VisionGoldHMO$609$1,640$8,100$15,412
UnitedHealthcareUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)Expanded BronzeHMO$610$0$10,600$17,917
Ambetter (Centene)Standard Gold VALUEGoldHMO$610$2,000$8,200$15,523
Blue Cross and Blue Shield of TexasBlue Advantage Bronze HMO℠ StandardExpanded BronzeHMO$610$7,500$10,000$17,326
Blue Cross and Blue Shield of TexasBlue Advantage Bronze HMO℠ 204Expanded BronzeHMO$611$6,000$10,150$17,484
Molina HealthcareMolina Gold StandardGoldHMO$612$2,000$8,200$15,547
Baylor Scott & White Health PlanBSW Elite Gold HMO 012GoldHMO$616$500$10,600$17,992
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$618$700$7,500$14,915
Baylor Scott & White Health PlanBSW Diabetes Care Gold HMO 014GoldHMO$620$1,700$10,150$17,585
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$620$2,000$8,200$15,644
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$622$1,000$8,950$16,411
Ambetter (Centene)Complete VALUE GoldGoldHMO$624$1,450$7,500$14,988
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ StandardExpanded BronzePOS$628$7,500$10,000$17,536
Cigna HealthcareConnect Bronze DFW 8500 Indiv Med DeductibleExpanded BronzeHMO$635$8,500$10,600$18,217
Cigna HealthcareConnect Bronze DFW 6000 Indiv Med DeductibleExpanded BronzeHMO$639$6,000$10,600$18,270
Cigna HealthcareConnect myDiabetesCare Bronze DFWExpanded BronzeHMO$644$6,500$10,600$18,323
Cigna HealthcareConnect Bronze DFW CMS StandardExpanded BronzeHMO$648$7,500$10,000$17,771
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ 303Expanded BronzePOS$648$7,000$10,150$17,925
Oscar HealthGold Classic StandardGoldEPO$651$2,000$8,200$16,017
Blue Cross and Blue Shield of TexasMyBlue Health Gold℠ 403GoldHMO$659$500$8,500$16,406
Oscar HealthGold ClassicGoldEPO$662$2,500$8,000$15,939
Ambetter (Centene)Standard Silver VALUESilverHMO$667$6,000$8,900$16,909
Blue Cross and Blue Shield of TexasMyBlue Health Gold℠ StandardGoldHMO$669$2,000$8,200$16,224
Ambetter (Centene)Focused VALUE SilverSilverHMO$671$6,300$8,400$16,450
Oscar HealthGold EliteGoldEPO$675$1,200$7,800$15,903
Imperial Health PlanImperial Standard GoldGoldHMO$682$2,000$8,200$16,385
Imperial Health PlanImperial Preferred Gold ZeroGoldHMO$685$0$9,200$17,425
Molina HealthcareMolina Silver Saver with Four Free PCP VisitsSilverHMO$688$7,000$10,150$18,406
Imperial Health PlanImperial Preferred GoldGoldHMO$688$1,350$9,000$17,259
Ambetter (Centene)Standard Silver VALUE + Vision + Adult DentalSilverHMO$693$6,000$8,900$17,212
Molina HealthcareMolina Silver CoreSilverHMO$695$6,000$8,990$17,335
Ambetter (Centene)Focused VALUE Silver + Vision + Adult DentalSilverHMO$696$6,300$8,400$16,754
Molina HealthcareMolina Silver StandardSilverHMO$696$6,000$8,900$17,257
Molina HealthcareMolina Silver Core Pluswith Adult VisionSilverHMO$700$6,000$8,990$17,385
Wellpoint (Elevance Health)Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$705$6,000$8,900$17,358
Baylor Scott & White Health PlanBSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay)SilverHMO$707$6,000$8,900$17,380
Baylor Scott & White Health PlanBSW Prime Silver HMO 005SilverHMO$707$3,000$9,000$17,484
Baylor Scott & White Health PlanBSW Prime Silver HMO 008SilverHMO$708$5,000$8,500$16,990
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$711$3,500$9,950$18,487
Molina HealthcareMolina Silver Core Pluswith Adult Dental and VisionSilverHMO$714$6,000$8,990$17,559
Wellpoint (Elevance Health)Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$714$1,850$9,100$17,673
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$719$3,500$9,950$18,574
UnitedHealthcareUHC Gold StandardGoldHMO$732$2,000$8,200$16,983
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$740$6,000$8,900$17,782
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$746$4,000$9,550$18,498
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$746$2,500$9,900$18,851
Imperial Health PlanImperial Standard SilverSilverHMO$748$6,000$8,900$17,871
UnitedHealthcareUHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx)GoldHMO$749$0$7,800$16,788
UnitedHealthcareUHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx)GoldHMO$751$1,000$7,500$16,516
Blue Cross and Blue Shield of TexasMyBlue Health Silver℠ StandardSilverHMO$760$6,000$8,900$18,022
Oscar HealthSilver Simple PCP SaverSilverEPO$760$5,750$10,150$19,275
Blue Cross and Blue Shield of TexasMyBlue Health Silver℠ 405SilverHMO$761$1,500$10,600$19,736
Imperial Health PlanImperial Preferred SilverSilverHMO$762$7,500$9,500$18,639
Oscar HealthSilver Classic StandardSilverEPO$766$6,000$8,900$18,087
UnitedHealthcareUHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision)GoldHMO$769$0$7,800$17,024
UnitedHealthcareUHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision)GoldHMO$771$1,000$7,500$16,753
Oscar HealthSilver ClassicSilverEPO$776$5,500$8,900$18,211
Cigna HealthcareConnect Gold DFW 2800 Indiv Med DeductibleGoldHMO$780$2,800$7,375$16,738
Cigna HealthcareConnect Gold DFW CMS StandardGoldHMO$782$2,000$8,200$17,589
Cigna HealthcareConnect myDiabetesCare Gold DFWGoldHMO$787$2,500$8,250$17,696
Cigna HealthcareConnect Gold DFW 1400 Indiv Med DeductibleGoldHMO$794$1,400$9,100$18,634
Blue Cross and Blue Shield of TexasBlue Advantage Gold HMO℠ 206GoldHMO$830$550$10,100$20,055
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ 803GoldPOS$841$2,400$10,400$20,488
Blue Cross and Blue Shield of TexasBlue Advantage Gold HMO℠ StandardGoldHMO$847$2,000$8,200$18,361
Ambetter (Centene)Standard GoldGoldEPO$848$2,000$8,200$18,377
UnitedHealthcareUHC Silver StandardSilverHMO$848$6,000$8,900$19,079
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ 203GoldPOS$851$1,700$10,150$20,357
Ambetter (Centene)Everyday GoldGoldEPO$852$800$7,250$17,474
UnitedHealthcareUHC Silver Value ($0 Virtual Urgent Care)SilverHMO$862$3,000$8,950$19,292
UnitedHealthcareUHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)SilverHMO$863$3,500$9,200$19,555
Ambetter (Centene)Complete GoldGoldEPO$867$1,450$7,500$17,909
Ambetter (Centene)Standard Gold + Vision + Adult DentalGoldEPO$880$2,000$8,200$18,756
UnitedHealthcareUHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision)SilverHMO$882$3,000$8,950$19,529
UnitedHealthcareUHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)SilverHMO$883$3,500$9,200$19,791
Ambetter (Centene)Everyday Gold + Vision + Adult DentalGoldEPO$884$800$7,250$17,855
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ StandardGoldPOS$884$2,000$8,200$18,805
Ambetter (Centene)Complete Gold + Vision + Adult DentalGoldEPO$900$1,450$7,500$18,297
Ambetter (Centene)Standard SilverSilverEPO$928$6,000$8,900$20,031
Ambetter (Centene)Focused SilverSilverEPO$932$6,300$8,400$19,589
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug OptionsSilverEPO$941$5,000$8,650$19,944
Ambetter (Centene)Standard Silver + Vision + Adult DentalSilverEPO$962$6,000$8,900$20,450
Cigna HealthcareConnect Silver DFW 4000 Indiv Med DeductibleSilverHMO$965$4,000$9,900$21,477
Ambetter (Centene)Focused Silver + Vision + Adult DentalSilverEPO$967$6,300$8,400$20,009
Cigna HealthcareConnect Silver DFW 3000 Indiv Med DeductibleSilverHMO$975$3,000$9,900$21,600
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilverEPO$977$5,000$8,650$20,368
Cigna HealthcareConnect Silver DFW CMS StandardSilverHMO$980$6,000$8,900$20,662
Blue Cross and Blue Shield of TexasBlue Advantage Silver HMO℠ StandardSilverHMO$985$6,000$8,900$20,723
Blue Cross and Blue Shield of TexasBlue Advantage Silver HMO℠ 205SilverHMO$996$1,450$10,600$22,553
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ 202SilverPOS$1,005$1,250$10,500$22,557
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ StandardSilverPOS$1,009$6,000$8,900$21,003
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ 605SilverPOS$1,033$0$10,150$22,551
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$433$501$64833$7,300$10,150$16,152
Silver$667$761$1,03345$6,000$8,900$18,639
Gold$588$675$90047$1,550$8,200$16,710
CatastrophicUnder 30 or hardship exemption only$412$506$6012$10,600$10,600$16,678

* 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.

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