Health insurance prices in Fort Bend County, TX (2026)
107 marketplace plans from 6 insurers. Cheapest plan $430/mo; typical Silver $724/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 26.
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 $430–$663 (typical $486) · Silver $647–$1,058 (typical $724) · Gold $555–$904 (typical $649) · Catastrophic $452–$508 (typical $480)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 23 | $451 | $473 | $666 | $580 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Ambetter (Centene) | 18 | $609 Gold | no Bronze | $714 | $660 | Standard Gold VALUE | |
| UnitedHealthcareUnitedHealth Group | 15 | $453 | $468 | $716 | $634 | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | |
| Community Health Choice | 8 | $493 | $500 | $773 | $653 | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | |
| Wellpoint (Elevance Health) | 21 | $476 | $497 | $789 | $664 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 22 | $430 | $517 | $842 | $716 | MyBlue Health Bronze℠ Standard |
All 107 plans in Fort Bend 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 | $430 | $7,500 | $10,000 | $15,161 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze | HMO | $447 | $5,000 | $9,000 | $14,359 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $451 | $9,000 | $10,600 | $16,013 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $452 | $10,600 | $10,600 | $16,024 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze | HMO | $453 | $0 | $10,600 | $16,034 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $465 | $10,600 | $10,600 | $16,183 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $467 | $7,500 | $10,000 | $15,598 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Expanded Bronze | HMO | $468 | $0 | $10,600 | $16,218 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $472 | $4,700 | $9,800 | $15,465 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $474 | $5,500 | $10,150 | $15,833 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $476 | $6,000 | $10,600 | $16,309 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $481 | $5,500 | $10,150 | $15,928 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $482 | $7,500 | $10,000 | $15,786 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $484 | $6,000 | $10,600 | $16,404 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $486 | $7,500 | $10,000 | $15,833 | |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $493 | $8,500 | $10,600 | $16,516 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $493 | $0 | $10,150 | $16,069 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $497 | $4,000 | $8,450 | $14,409 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $502 | $5,500 | $10,600 | $16,624 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $503 | $7,500 | $10,000 | $16,033 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $506 | $7,500 | $10,000 | $16,076 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $508 | $4,500 | $10,600 | $16,691 | |
| Community Health Choice | Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $508 | $7,500 | $10,000 | $16,094 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $508 | $10,600 | $10,600 | $16,701 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $516 | $7,500 | $10,000 | $16,193 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $517 | $6,000 | $10,150 | $16,350 | |
| Community Health Choice | Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $555 | $2,000 | $9,200 | $15,859 | |
| Oscar Health | Gold Simple Guided Care | Gold | HMO | $568 | $3,300 | $9,950 | $16,767 | |
| Oscar Health | Gold Classic Standard Guided Care | Gold | HMO | $571 | $2,000 | $8,200 | $15,052 | |
| Oscar Health | Gold Simple Diabetes Guided Care | Gold | HMO | $574 | $2,000 | $9,800 | $16,684 | |
| Oscar Health | Gold Classic Guided Care | Gold | HMO | $580 | $2,500 | $8,000 | $14,958 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ 403 | Gold | HMO | $588 | $500 | $8,500 | $15,554 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ Standard | Gold | HMO | $597 | $2,000 | $8,200 | $15,359 | |
| Ambetter (Centene) | Standard Gold VALUE | Gold | HMO | $609 | $2,000 | $8,200 | $15,510 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $614 | $7,300 | $10,600 | $17,967 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $617 | $2,000 | $8,200 | $15,601 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $617 | $2,000 | $8,200 | $15,610 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | Gold | HMO | $618 | $0 | $7,800 | $15,212 | |
| Ambetter (Centene) | Complete VALUE Gold | Gold | HMO | $623 | $1,450 | $7,500 | $14,975 | |
| Oscar Health | Gold Classic | Gold | EPO | $626 | $2,500 | $8,000 | $15,517 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $634 | $1,000 | $7,500 | $15,107 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $634 | $0 | $7,800 | $15,411 | |
| Oscar Health | Gold Elite | Gold | EPO | $639 | $1,200 | $7,800 | $15,473 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $643 | $7,500 | $10,000 | $17,712 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $646 | $800 | $9,000 | $16,754 | |
| Oscar Health | Silver Simple Guided Care | Silver | HMO | $647 | $6,300 | $9,300 | $17,066 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | Silver | HMO | $649 | $0 | $9,200 | $16,985 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $649 | $2,000 | $8,200 | $15,987 | |
| Community Health Choice | Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $649 | $4,500 | $9,000 | $16,794 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $650 | $1,500 | $5,000 | $12,800 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $650 | $1,000 | $7,500 | $15,306 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $651 | $2,000 | $8,200 | $16,009 | |
| Community Health Choice | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $653 | $2,000 | $8,200 | $16,033 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $654 | $800 | $7,250 | $15,095 | |
| Oscar Health | Silver Simple Diabetes Guided Care | Silver | HMO | $655 | $6,500 | $10,000 | $17,856 | |
| Community Health Choice | Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $658 | $2,500 | $7,500 | $15,393 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | HMO | $659 | $6,200 | $9,600 | $17,511 | |
| Oscar Health | Silver Simple Chronic Care CKM Guided Care | Silver | HMO | $660 | $5,900 | $10,150 | $18,067 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | HMO | $662 | $6,000 | $10,150 | $18,089 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $663 | $7,000 | $10,150 | $18,107 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Silver | HMO | $664 | $0 | $9,200 | $17,163 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $666 | $1,450 | $7,500 | $15,487 | |
| Ambetter (Centene) | Standard Silver VALUE | Silver | HMO | $666 | $6,000 | $8,900 | $16,895 | |
| Ambetter (Centene) | Focused VALUE Silver | Silver | HMO | $670 | $6,300 | $8,400 | $16,435 | |
| Oscar Health | Silver Classic Standard Guided Care | Silver | HMO | $670 | $6,000 | $8,900 | $16,944 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $675 | $2,000 | $8,200 | $16,300 | |
| Oscar Health | Silver Simple PCP Saver Guided Care | Silver | HMO | $675 | $5,750 | $10,150 | $18,253 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $678 | $800 | $7,250 | $15,388 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ Standard | Silver | HMO | $678 | $6,000 | $8,900 | $17,039 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $679 | $700 | $7,500 | $15,644 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ 405 | Silver | HMO | $679 | $1,500 | $10,600 | $18,752 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $681 | $2,000 | $8,200 | $16,376 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $683 | $1,000 | $8,950 | $17,144 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $690 | $1,450 | $7,500 | $15,785 | |
| Ambetter (Centene) | Standard Silver VALUE + Vision + Adult Dental | Silver | HMO | $691 | $6,000 | $8,900 | $17,197 | |
| Ambetter (Centene) | Focused VALUE Silver + Vision + Adult Dental | Silver | HMO | $695 | $6,300 | $8,400 | $16,739 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $701 | $550 | $10,100 | $18,515 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $712 | $6,000 | $8,900 | $17,442 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $715 | $6,300 | $8,400 | $16,985 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $716 | $6,000 | $8,900 | $17,487 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $716 | $2,000 | $8,200 | $16,790 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $720 | $5,750 | $10,150 | $18,790 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $722 | $5,000 | $8,650 | $17,316 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $725 | $6,000 | $8,900 | $17,599 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $727 | $3,000 | $8,950 | $17,675 | |
| Oscar Health | Silver Classic | Silver | EPO | $735 | $5,500 | $8,900 | $17,716 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $739 | $6,000 | $8,900 | $17,763 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $742 | $6,300 | $8,400 | $17,308 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $744 | $3,000 | $8,950 | $17,875 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $749 | $5,000 | $8,650 | $17,642 | |
| Community Health Choice | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $773 | $6,000 | $8,900 | $18,171 | |
| Community Health Choice | Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $773 | $2,800 | $10,600 | $19,880 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $774 | $6,000 | $8,900 | $18,190 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $781 | $3,500 | $9,950 | $19,327 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $785 | $1,850 | $9,100 | $18,516 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $789 | $3,500 | $9,950 | $19,422 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $813 | $6,000 | $8,900 | $18,656 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $819 | $4,000 | $9,550 | $19,378 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $819 | $2,500 | $9,900 | $19,732 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $833 | $6,000 | $8,900 | $18,894 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $842 | $1,450 | $10,600 | $20,705 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $860 | $2,400 | $10,400 | $20,724 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $871 | $1,700 | $10,150 | $20,596 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $904 | $2,000 | $8,200 | $19,054 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $1,028 | $1,250 | $10,500 | $22,839 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $1,032 | $6,000 | $8,900 | $21,287 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $1,058 | $0 | $10,150 | $22,842 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $430 | $486 | $663 | 27 | $7,000 | $10,150 | $16,076 |
| Silver | $647 | $724 | $1,058 | 42 | $5,950 | $8,950 | $17,809 |
| Gold | $555 | $649 | $904 | 36 | $2,000 | $8,200 | $15,606 |
| CatastrophicUnder 30 or hardship exemption only | $452 | $480 | $508 | 2 | $10,600 | $10,600 | $16,362 |
* 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.