Health insurance prices in El Paso County, TX (2026)
110 marketplace plans from 7 insurers. Cheapest plan $376/mo; typical Silver $756/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 9.
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 $376–$636 (typical $485) · Silver $593–$963 (typical $756) · Gold $514–$812 (typical $654) · Catastrophic $433–$472 (typical $453)
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 |
|---|---|---|---|---|---|---|---|
| Imperial Health Plan | 7 | $414 | $428 | $658 | $598 | Imperial Preferred Bronze | |
| Oscar Health | 23 | $464 | $486 | $679 | $591 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| UnitedHealthcareUnitedHealth Group | 14 | $481 | $512 | $753 | $656 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Wellpoint (Elevance Health) | 21 | $456 | $476 | $756 | $636 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 22 | $376 | $480 | $782 | $665 | MyBlue Health Bronze℠ Standard | |
| Ambetter (Centene) | 12 | $762 Gold | no Bronze | $855 | $784 | Standard Gold | |
| Cigna HealthcareCigna Group | 11 | $624 | $631 | $958 | $775 | Connect Bronze 8500 Indiv Med Deductible |
All 110 plans in El Paso County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze | HMO | $376 | $7,500 | $10,000 | $14,509 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze | HMO | $390 | $5,000 | $9,000 | $13,682 | |
| Imperial Health Plan | Imperial Preferred Bronze | Bronze | HMO | $414 | $9,200 | $9,200 | $14,168 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $433 | $10,600 | $10,600 | $15,795 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $443 | $7,500 | $10,000 | $15,314 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $456 | $6,000 | $10,600 | $16,067 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $462 | $7,500 | $10,000 | $15,542 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $463 | $6,000 | $10,600 | $16,158 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $464 | $9,000 | $10,600 | $16,163 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $472 | $10,600 | $10,600 | $16,267 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $476 | $4,000 | $8,450 | $14,157 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $479 | $7,500 | $10,000 | $15,753 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $479 | $7,500 | $10,000 | $15,753 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $480 | $6,000 | $10,150 | $15,910 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $481 | $5,500 | $10,600 | $16,370 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $481 | $10,600 | $10,600 | $16,378 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $485 | $7,500 | $10,000 | $15,819 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $485 | $4,700 | $9,800 | $15,623 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $486 | $4,500 | $10,600 | $16,434 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $487 | $5,500 | $10,150 | $15,990 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $495 | $5,500 | $10,150 | $16,088 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $503 | $7,500 | $10,000 | $16,037 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $507 | $0 | $10,150 | $16,234 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ 403 | Gold | HMO | $514 | $500 | $8,500 | $14,663 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $520 | $7,500 | $10,000 | $16,243 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ Standard | Gold | HMO | $521 | $2,000 | $8,200 | $14,455 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $532 | $0 | $10,600 | $16,989 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $551 | $7,300 | $10,600 | $17,211 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $577 | $7,500 | $10,000 | $16,920 | |
| Oscar Health | Gold Simple Guided Care | Gold | HMO | $579 | $3,300 | $9,950 | $16,904 | |
| Oscar Health | Gold Classic Standard Guided Care | Gold | HMO | $582 | $2,000 | $8,200 | $15,189 | |
| Oscar Health | Gold Simple Diabetes Guided Care | Gold | HMO | $585 | $2,000 | $9,800 | $16,821 | |
| Oscar Health | Gold Classic Guided Care | Gold | HMO | $591 | $2,500 | $8,000 | $15,097 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ Standard | Silver | HMO | $593 | $6,000 | $8,900 | $16,011 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ 405 | Silver | HMO | $594 | $1,500 | $10,600 | $17,722 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $595 | $2,000 | $8,200 | $15,340 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $595 | $7,000 | $10,150 | $17,290 | |
| Imperial Health Plan | Imperial Preferred Gold Zero | Gold | HMO | $598 | $0 | $9,200 | $16,374 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $600 | $1,350 | $9,000 | $16,204 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $619 | $800 | $9,000 | $16,426 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $621 | $2,000 | $8,200 | $15,658 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $623 | $1,500 | $5,000 | $12,470 | |
| Cigna Healthcare | Connect Bronze 8500 Indiv Med Deductible | Expanded Bronze | HMO | $624 | $8,500 | $10,600 | $18,085 | |
| Cigna Healthcare | Connect Bronze 5750 Indiv Med Deductible | Expanded Bronze | HMO | $629 | $5,750 | $10,600 | $18,151 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | HMO | $632 | $6,500 | $10,600 | $18,189 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $634 | $2,000 | $8,200 | $15,807 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $636 | $7,500 | $10,000 | $17,636 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $639 | $2,000 | $8,200 | $15,868 | |
| Oscar Health | Gold Classic | Gold | EPO | $644 | $2,500 | $8,000 | $15,725 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $650 | $700 | $7,500 | $15,300 | |
| Oscar Health | Silver Simple Guided Care | Silver | HMO | $651 | $6,300 | $9,300 | $17,114 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $651 | $550 | $10,100 | $17,918 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $652 | $6,000 | $8,900 | $16,725 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $653 | $2,000 | $8,200 | $16,031 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $654 | $0 | $7,800 | $15,647 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $654 | $1,000 | $8,950 | $16,798 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $656 | $1,000 | $7,500 | $15,372 | |
| Oscar Health | Gold Elite | Gold | EPO | $657 | $1,200 | $7,800 | $15,685 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $664 | $7,500 | $9,500 | $17,472 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $665 | $2,000 | $8,200 | $16,180 | |
| Oscar Health | Silver Simple Diabetes Guided Care | Silver | HMO | $668 | $6,500 | $10,000 | $18,011 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $671 | $0 | $7,800 | $15,854 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | HMO | $672 | $6,200 | $9,600 | $17,667 | |
| Oscar Health | Silver Simple Chronic Care CKM Guided Care | Silver | HMO | $673 | $5,900 | $10,150 | $18,223 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $673 | $1,000 | $7,500 | $15,578 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | HMO | $675 | $6,000 | $10,150 | $18,246 | |
| Oscar Health | Silver Classic Standard Guided Care | Silver | HMO | $684 | $6,000 | $8,900 | $17,102 | |
| Oscar Health | Silver Simple PCP Saver Guided Care | Silver | HMO | $689 | $5,750 | $10,150 | $18,413 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $740 | $5,750 | $10,150 | $19,029 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $741 | $6,000 | $8,900 | $17,787 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $741 | $6,000 | $8,900 | $17,798 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $745 | $6,000 | $8,900 | $17,840 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $748 | $3,500 | $9,950 | $18,930 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $751 | $1,850 | $9,100 | $18,118 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $752 | $3,000 | $8,950 | $17,980 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $753 | $3,500 | $9,200 | $18,241 | |
| Oscar Health | Silver Classic | Silver | EPO | $755 | $5,500 | $8,900 | $17,961 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $756 | $3,500 | $9,950 | $19,022 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $762 | $2,000 | $8,200 | $17,339 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $765 | $800 | $7,250 | $16,431 | |
| Cigna Healthcare | Connect Gold 3000 Indiv Med Deductible | Gold | HMO | $766 | $3,000 | $7,000 | $16,189 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | HMO | $769 | $2,000 | $8,200 | $17,426 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $770 | $3,000 | $8,950 | $18,186 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $771 | $3,500 | $9,200 | $18,447 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $772 | $2,400 | $10,400 | $19,664 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $774 | $6,000 | $8,900 | $18,184 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $779 | $6,000 | $8,900 | $18,243 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $779 | $1,450 | $7,500 | $16,847 | |
| Cigna Healthcare | Connect myDiabetesCare Gold | Gold | HMO | $780 | $2,250 | $8,250 | $17,614 | |
| Cigna Healthcare | Connect Gold 1400 Indiv Med Deductible | Gold | HMO | $781 | $1,400 | $9,125 | $18,491 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $781 | $1,700 | $10,150 | $19,523 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $782 | $1,450 | $10,600 | $19,987 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $784 | $4,000 | $9,550 | $18,962 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $785 | $2,500 | $9,900 | $19,316 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $790 | $2,000 | $8,200 | $17,679 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $794 | $800 | $7,250 | $16,772 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $808 | $1,450 | $7,500 | $17,195 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $812 | $2,000 | $8,200 | $17,939 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $833 | $6,000 | $8,900 | $18,895 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $837 | $6,300 | $8,400 | $18,447 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $845 | $5,000 | $8,650 | $18,791 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $864 | $6,000 | $8,900 | $19,271 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $869 | $6,300 | $8,400 | $18,824 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $877 | $5,000 | $8,650 | $19,172 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $923 | $1,250 | $10,500 | $21,572 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $926 | $6,000 | $8,900 | $20,015 | |
| Cigna Healthcare | Connect Silver 4000 Indiv Med Deductible | Silver | HMO | $948 | $4,000 | $9,900 | $21,277 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $949 | $0 | $10,150 | $21,538 | |
| Cigna Healthcare | Connect Silver 3000 Indiv Med Deductible | Silver | HMO | $958 | $3,000 | $9,900 | $21,398 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $963 | $6,000 | $8,900 | $20,458 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $376 | $485 | $636 | 30 | $7,150 | $10,150 | $16,123 |
| Silver | $593 | $756 | $963 | 40 | $5,825 | $9,150 | $18,329 |
| Gold | $514 | $654 | $812 | 38 | $1,850 | $8,200 | $16,197 |
| CatastrophicUnder 30 or hardship exemption only | $433 | $453 | $472 | 2 | $10,600 | $10,600 | $16,031 |
* 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.