Health insurance prices in Ellis County, TX (2026)
119 marketplace plans from 8 insurers. Cheapest plan $433/mo; typical Silver $753/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.
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 $433–$648 (typical $509) · Silver $688–$1,033 (typical $753) · Gold $588–$900 (typical $656) · 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 plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 12 | $591 Gold | no Bronze | $696 | $595 | Molina Gold Saver 750 | |
| Baylor Scott & White Health Plan | 10 | $442 | $449 | $707 | $603 | BSW Savers Bronze HMO H S A 006 | |
| Oscar Health | 23 | $476 | $499 | $713 | $620 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Wellpoint (Elevance Health) | 21 | $433 | $452 | $719 | $605 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| UnitedHealthcareUnitedHealth Group | 14 | $551 | $586 | $863 | $751 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Ambetter (Centene) | 12 | $848 Gold | no Bronze | $952 | $874 | Standard Gold | |
| Cigna HealthcareCigna Group | 11 | $635 | $641 | $975 | $785 | Connect Bronze DFW 8500 Indiv Med Deductible | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $600 | $611 | $1,005 | $847 | Blue Advantage Plus Bronze℠ 305 |
All 119 plans in Ellis County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $412 | $10,600 | $10,600 | $15,538 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $433 | $6,000 | $10,600 | $15,798 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $439 | $7,500 | $10,000 | $15,268 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $440 | $6,000 | $10,600 | $15,884 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | HMO | $442 | $8,000 | $8,000 | $13,301 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | HMO | $449 | $7,500 | $10,000 | $15,386 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $452 | $4,000 | $8,450 | $13,875 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | HMO | $454 | $5,300 | $10,600 | $16,049 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $457 | $5,500 | $10,600 | $16,085 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $461 | $7,500 | $10,000 | $15,532 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $462 | $4,500 | $10,600 | $16,146 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $476 | $9,000 | $10,600 | $16,317 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $493 | $7,500 | $10,000 | $15,912 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $499 | $4,700 | $9,800 | $15,783 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $500 | $5,500 | $10,150 | $16,152 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $509 | $5,500 | $10,150 | $16,252 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $521 | $0 | $10,150 | $16,402 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $551 | $10,600 | $10,600 | $17,218 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $576 | $7,500 | $10,000 | $16,914 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $588 | $800 | $9,000 | $16,059 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 004 | Gold | HMO | $590 | $1,550 | $8,100 | $15,179 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | HMO | $590 | $2,000 | $8,200 | $15,280 | |
| Molina Healthcare | Molina Gold Saver 750 | Gold | HMO | $591 | $750 | $9,400 | $16,486 | |
| Molina Healthcare | Molina Gold Core 1640 | Gold | HMO | $591 | $1,640 | $8,100 | $15,188 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $591 | $2,000 | $8,200 | $15,289 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $592 | $1,500 | $5,000 | $12,101 | |
| Molina Healthcare | Molina Gold Saver 750 Pluswith Adult Vision | Gold | HMO | $595 | $750 | $9,400 | $16,536 | |
| Molina Healthcare | Molina Gold Core 1640 Pluswith Adult Vision | Gold | HMO | $595 | $1,640 | $8,100 | $15,238 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $596 | $7,500 | $10,000 | $17,151 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $600 | $7,300 | $10,600 | $17,799 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $601 | $10,600 | $10,600 | $17,817 | |
| Oscar Health | Gold Simple Guided Care | Gold | HMO | $608 | $3,300 | $9,950 | $17,241 | |
| Molina Healthcare | Molina Gold Saver 750 Pluswith Adult Dental and Vision | Gold | HMO | $609 | $750 | $9,400 | $16,710 | |
| Molina Healthcare | Molina Gold Core 1640 Pluswith Adult Dental and Vision | Gold | HMO | $609 | $1,640 | $8,100 | $15,412 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $610 | $0 | $10,600 | $17,917 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $610 | $7,500 | $10,000 | $17,326 | |
| Oscar Health | Gold Classic Standard Guided Care | Gold | HMO | $611 | $2,000 | $8,200 | $15,529 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $611 | $6,000 | $10,150 | $17,484 | |
| Molina Healthcare | Molina Gold Standard | Gold | HMO | $612 | $2,000 | $8,200 | $15,547 | |
| Oscar Health | Gold Simple Diabetes Guided Care | Gold | HMO | $614 | $2,000 | $9,800 | $17,163 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 012 | Gold | HMO | $616 | $500 | $10,600 | $17,992 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $618 | $700 | $7,500 | $14,915 | |
| Baylor Scott & White Health Plan | BSW Diabetes Care Gold HMO 014 | Gold | HMO | $620 | $1,700 | $10,150 | $17,585 | |
| Oscar Health | Gold Classic Guided Care | Gold | HMO | $620 | $2,500 | $8,000 | $15,443 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $620 | $2,000 | $8,200 | $15,644 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $622 | $1,000 | $8,950 | $16,411 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $628 | $7,500 | $10,000 | $17,536 | |
| Cigna Healthcare | Connect Bronze DFW 8500 Indiv Med Deductible | Expanded Bronze | HMO | $635 | $8,500 | $10,600 | $18,217 | |
| Cigna Healthcare | Connect Bronze DFW 6000 Indiv Med Deductible | Expanded Bronze | HMO | $639 | $6,000 | $10,600 | $18,270 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze DFW | Expanded Bronze | HMO | $644 | $6,500 | $10,600 | $18,323 | |
| Cigna Healthcare | Connect Bronze DFW CMS Standard | Expanded Bronze | HMO | $648 | $7,500 | $10,000 | $17,771 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $648 | $7,000 | $10,150 | $17,925 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $651 | $2,000 | $8,200 | $16,017 | |
| Oscar Health | Gold Classic | Gold | EPO | $662 | $2,500 | $8,000 | $15,939 | |
| Oscar Health | Gold Elite | Gold | EPO | $675 | $1,200 | $7,800 | $15,903 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $688 | $7,000 | $10,150 | $18,406 | |
| Oscar Health | Silver Simple Guided Care | Silver | HMO | $693 | $6,300 | $9,300 | $17,611 | |
| Molina Healthcare | Molina Silver Core | Silver | HMO | $695 | $6,000 | $8,990 | $17,335 | |
| Molina Healthcare | Molina Silver Standard | Silver | HMO | $696 | $6,000 | $8,900 | $17,257 | |
| Molina Healthcare | Molina Silver Core Pluswith Adult Vision | Silver | HMO | $700 | $6,000 | $8,990 | $17,385 | |
| Oscar Health | Silver Simple Diabetes Guided Care | Silver | HMO | $701 | $6,500 | $10,000 | $18,408 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $705 | $6,000 | $8,900 | $17,358 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | HMO | $706 | $6,200 | $9,600 | $18,068 | |
| Oscar Health | Silver Simple Chronic Care CKM Guided Care | Silver | HMO | $706 | $5,900 | $10,150 | $18,624 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | HMO | $707 | $6,000 | $8,900 | $17,380 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 005 | Silver | HMO | $707 | $3,000 | $9,000 | $17,484 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 008 | Silver | HMO | $708 | $5,000 | $8,500 | $16,990 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | HMO | $708 | $6,000 | $10,150 | $18,648 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $711 | $3,500 | $9,950 | $18,487 | |
| Molina Healthcare | Molina Silver Core Pluswith Adult Dental and Vision | Silver | HMO | $714 | $6,000 | $8,990 | $17,559 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $714 | $1,850 | $9,100 | $17,673 | |
| Oscar Health | Silver Classic Standard Guided Care | Silver | HMO | $718 | $6,000 | $8,900 | $17,510 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $719 | $3,500 | $9,950 | $18,574 | |
| Oscar Health | Silver Simple PCP Saver Guided Care | Silver | HMO | $723 | $5,750 | $10,150 | $18,824 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $732 | $2,000 | $8,200 | $16,983 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $740 | $6,000 | $8,900 | $17,782 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $746 | $4,000 | $9,550 | $18,498 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $746 | $2,500 | $9,900 | $18,851 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $749 | $0 | $7,800 | $16,788 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $751 | $1,000 | $7,500 | $16,516 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $760 | $5,750 | $10,150 | $19,275 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $766 | $6,000 | $8,900 | $18,087 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $769 | $0 | $7,800 | $17,024 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $771 | $1,000 | $7,500 | $16,753 | |
| Oscar Health | Silver Classic | Silver | EPO | $776 | $5,500 | $8,900 | $18,211 | |
| Cigna Healthcare | Connect Gold DFW 2800 Indiv Med Deductible | Gold | HMO | $780 | $2,800 | $7,375 | $16,738 | |
| Cigna Healthcare | Connect Gold DFW CMS Standard | Gold | HMO | $782 | $2,000 | $8,200 | $17,589 | |
| Cigna Healthcare | Connect myDiabetesCare Gold DFW | Gold | HMO | $787 | $2,500 | $8,250 | $17,696 | |
| Cigna Healthcare | Connect Gold DFW 1400 Indiv Med Deductible | Gold | HMO | $794 | $1,400 | $9,100 | $18,634 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $830 | $550 | $10,100 | $20,055 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $841 | $2,400 | $10,400 | $20,488 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $847 | $2,000 | $8,200 | $18,361 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $848 | $2,000 | $8,200 | $18,377 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $848 | $6,000 | $8,900 | $19,079 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $851 | $1,700 | $10,150 | $20,357 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $852 | $800 | $7,250 | $17,474 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $862 | $3,000 | $8,950 | $19,292 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $863 | $3,500 | $9,200 | $19,555 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $867 | $1,450 | $7,500 | $17,909 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $880 | $2,000 | $8,200 | $18,756 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $882 | $3,000 | $8,950 | $19,529 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $883 | $3,500 | $9,200 | $19,791 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $884 | $800 | $7,250 | $17,855 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $884 | $2,000 | $8,200 | $18,805 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $900 | $1,450 | $7,500 | $18,297 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $928 | $6,000 | $8,900 | $20,031 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $932 | $6,300 | $8,400 | $19,589 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $941 | $5,000 | $8,650 | $19,944 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $962 | $6,000 | $8,900 | $20,450 | |
| Cigna Healthcare | Connect Silver DFW 4000 Indiv Med Deductible | Silver | HMO | $965 | $4,000 | $9,900 | $21,477 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $967 | $6,300 | $8,400 | $20,009 | |
| Cigna Healthcare | Connect Silver DFW 3000 Indiv Med Deductible | Silver | HMO | $975 | $3,000 | $9,900 | $21,600 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $977 | $5,000 | $8,650 | $20,368 | |
| Cigna Healthcare | Connect Silver DFW CMS Standard | Silver | HMO | $980 | $6,000 | $8,900 | $20,662 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $985 | $6,000 | $8,900 | $20,723 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $996 | $1,450 | $10,600 | $22,553 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $1,005 | $1,250 | $10,500 | $22,557 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $1,009 | $6,000 | $8,900 | $21,003 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $1,033 | $0 | $10,150 | $22,551 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $433 | $509 | $648 | 29 | $7,000 | $10,150 | $16,317 |
| Silver | $688 | $753 | $1,033 | 44 | $5,950 | $8,990 | $18,736 |
| Gold | $588 | $656 | $900 | 44 | $1,640 | $8,200 | $16,745 |
| CatastrophicUnder 30 or hardship exemption only | $412 | $506 | $601 | 2 | $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.