Health insurance prices in Galveston County, TX (2026)
61 marketplace plans from 5 insurers. Cheapest plan $466/mo; typical Silver $790/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 10.
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 $466–$759 (typical $503) · Silver $681–$1,211 (typical $790) · Gold $637–$1,035 (typical $722) · Catastrophic $573–$573 (typical $573)
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 | 12 | $466 | $488 | $749 | $647 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| UnitedHealthcareUnitedHealth Group | 15 | $476 | $492 | $752 | $666 | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | |
| Community Health Choice | 6 | $494 | $502 | $775 | $657 | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | |
| Ambetter (Centene) | 12 | $722 Gold | no Bronze | $811 | $744 | Standard Gold | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $581 | $703 | $1,177 | $985 | Blue Advantage Bronze HMO℠ Standard |
All 61 plans in Galveston County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $466 | $9,000 | $10,600 | $16,190 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze | HMO | $476 | $0 | $10,600 | $16,308 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $482 | $7,500 | $10,000 | $15,781 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $488 | $4,700 | $9,800 | $15,651 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $489 | $10,600 | $10,600 | $16,464 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $489 | $5,500 | $10,150 | $16,018 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Expanded Bronze | HMO | $492 | $0 | $10,600 | $16,501 | |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $494 | $8,500 | $10,600 | $16,530 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $497 | $5,500 | $10,150 | $16,117 | |
| 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 | $509 | $7,500 | $10,000 | $16,109 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $509 | $0 | $10,150 | $16,263 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $511 | $7,500 | $10,000 | $16,127 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $528 | $7,500 | $10,000 | $16,337 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $573 | $10,600 | $10,600 | $17,474 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $581 | $7,500 | $10,000 | $16,978 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $582 | $6,000 | $10,150 | $17,136 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $637 | $2,000 | $8,200 | $15,844 | |
| Oscar Health | Gold Classic | Gold | EPO | $647 | $2,500 | $8,000 | $15,763 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $649 | $2,000 | $8,200 | $15,983 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | Gold | HMO | $649 | $0 | $7,800 | $15,586 | |
| Community Health Choice | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $654 | $2,000 | $8,200 | $16,052 | |
| Community Health Choice | Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $659 | $2,500 | $7,500 | $15,412 | |
| Oscar Health | Gold Elite | Gold | EPO | $660 | $1,200 | $7,800 | $15,724 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $666 | $1,000 | $7,500 | $15,490 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $666 | $0 | $7,800 | $15,795 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | Silver | HMO | $681 | $0 | $9,200 | $17,377 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $683 | $1,000 | $7,500 | $15,699 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Silver | HMO | $697 | $0 | $9,200 | $17,564 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $703 | $7,300 | $10,600 | $19,033 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $722 | $2,000 | $8,200 | $16,868 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $726 | $800 | $7,250 | $15,958 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $736 | $7,500 | $10,000 | $18,828 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $739 | $1,450 | $7,500 | $16,366 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $744 | $5,750 | $10,150 | $19,073 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $749 | $6,000 | $8,900 | $17,883 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $749 | $2,000 | $8,200 | $17,191 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $752 | $6,000 | $8,900 | $17,920 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $753 | $800 | $7,250 | $16,282 | |
| Oscar Health | Silver Classic | Silver | EPO | $759 | $5,500 | $8,900 | $18,005 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $759 | $7,000 | $10,150 | $19,258 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $764 | $3,000 | $8,950 | $18,115 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $766 | $1,450 | $7,500 | $16,696 | |
| Community Health Choice | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $774 | $6,000 | $8,900 | $18,194 | |
| Community Health Choice | Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $775 | $2,800 | $10,600 | $19,903 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $781 | $3,000 | $8,950 | $18,325 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $790 | $6,000 | $8,900 | $18,381 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $790 | $550 | $10,100 | $19,582 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $794 | $6,300 | $8,400 | $17,930 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $802 | $5,000 | $8,650 | $18,269 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $807 | $2,000 | $8,200 | $17,878 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $820 | $6,000 | $8,900 | $18,737 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $824 | $6,300 | $8,400 | $18,288 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $832 | $5,000 | $8,650 | $18,631 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $938 | $6,000 | $8,900 | $20,161 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $949 | $1,450 | $10,600 | $21,985 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $985 | $2,400 | $10,400 | $22,218 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $996 | $1,700 | $10,150 | $22,107 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $1,035 | $2,000 | $8,200 | $20,624 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $1,177 | $1,250 | $10,500 | $24,624 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $1,182 | $6,000 | $8,900 | $23,078 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $1,211 | $0 | $10,150 | $24,677 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $466 | $503 | $759 | 18 | $7,400 | $10,150 | $16,322 |
| Silver | $681 | $790 | $1,211 | 21 | $5,500 | $8,900 | $18,325 |
| Gold | $637 | $722 | $1,035 | 21 | $1,700 | $8,000 | $16,052 |
| CatastrophicUnder 30 or hardship exemption only | $573 | $573 | $573 | 1 | $10,600 | $10,600 | $17,474 |
* 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.