Health insurance prices in Guadalupe County, TX (2026)
96 marketplace plans from 7 insurers. Cheapest plan $403/mo; typical Silver $728/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 18.
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 $403–$592 (typical $455) · Silver $635–$944 (typical $728) · Gold $530–$807 (typical $620) · Catastrophic $335–$549 (typical $397)
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 |
|---|---|---|---|---|---|---|---|
| CHRISTUS Health Plan | 14 | $403 | $408 | $652 | $551 | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | |
| Imperial Health Plan | 7 | $412 | $426 | $654 | $594 | Imperial Preferred Bronze | |
| Wellpoint (Elevance Health) | 21 | $418 | $436 | $694 | $584 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| UnitedHealthcareUnitedHealth Group | 14 | $455 | $484 | $712 | $620 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Oscar Health | 12 | $457 | $479 | $734 | $634 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Ambetter (Centene) | 12 | $670 Gold | no Bronze | $752 | $691 | Standard Gold | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $548 | $558 | $918 | $773 | Blue Advantage Plus Bronze℠ 305 |
All 96 plans in Guadalupe County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | HMO | $335 | $10,600 | $10,600 | $14,615 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $397 | $10,600 | $10,600 | $15,366 | |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $403 | $7,500 | $10,000 | $14,836 | |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $408 | $8,500 | $9,900 | $14,800 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $408 | $7,450 | $9,850 | $14,751 | |
| Imperial Health Plan | Imperial Preferred Bronze | Bronze | HMO | $412 | $9,200 | $9,200 | $14,139 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $418 | $6,000 | $10,600 | $15,616 | |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $419 | $8,500 | $9,900 | $14,933 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $420 | $7,450 | $9,850 | $14,890 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $424 | $7,500 | $10,000 | $15,085 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $425 | $6,000 | $10,600 | $15,700 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $436 | $4,000 | $8,450 | $13,686 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $440 | $7,500 | $10,000 | $15,282 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $441 | $5,500 | $10,600 | $15,893 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $445 | $7,500 | $10,000 | $15,339 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $446 | $4,500 | $10,600 | $15,952 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $455 | $10,600 | $10,600 | $16,061 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $457 | $9,000 | $10,600 | $16,081 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $472 | $7,500 | $10,000 | $15,668 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $476 | $7,500 | $10,000 | $15,706 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $478 | $4,700 | $9,800 | $15,536 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $479 | $5,500 | $10,150 | $15,904 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $488 | $5,500 | $10,150 | $16,000 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $492 | $7,500 | $10,000 | $15,901 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $499 | $0 | $10,150 | $16,144 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $503 | $0 | $10,600 | $16,639 | |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | HMO | $530 | $2,000 | $8,200 | $14,557 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $537 | $3,750 | $9,200 | $15,644 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $548 | $7,300 | $10,600 | $17,175 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $549 | $10,600 | $10,600 | $17,191 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $551 | $3,750 | $9,200 | $15,817 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $558 | $7,500 | $10,000 | $16,691 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $558 | $6,000 | $10,150 | $16,848 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $559 | $0 | $9,200 | $15,904 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $568 | $800 | $9,000 | $15,813 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $570 | $2,000 | $8,200 | $15,042 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $571 | $1,500 | $5,000 | $11,854 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $574 | $7,500 | $10,000 | $16,882 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $576 | $0 | $9,200 | $16,117 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $591 | $2,000 | $8,200 | $15,297 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $592 | $7,000 | $10,150 | $17,251 | |
| Imperial Health Plan | Imperial Preferred Gold Zero | Gold | HMO | $594 | $0 | $9,200 | $16,331 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $596 | $700 | $7,500 | $14,656 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $597 | $1,350 | $9,000 | $16,161 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $599 | $2,000 | $8,200 | $15,385 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $600 | $1,000 | $8,950 | $16,151 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $604 | $2,000 | $8,200 | $15,449 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $618 | $0 | $7,800 | $15,218 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $620 | $1,000 | $7,500 | $14,941 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $625 | $2,000 | $8,200 | $15,694 | |
| Oscar Health | Gold Classic | Gold | EPO | $634 | $2,500 | $8,000 | $15,611 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $634 | $0 | $7,800 | $15,413 | |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | HMO | $635 | $6,000 | $8,900 | $16,514 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $636 | $1,000 | $7,500 | $15,136 | |
| Oscar Health | Gold Elite | Gold | EPO | $647 | $1,200 | $7,800 | $15,569 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $648 | $6,000 | $8,900 | $16,678 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $652 | $6,900 | $9,300 | $17,128 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $660 | $7,500 | $9,500 | $17,424 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $670 | $2,000 | $8,200 | $16,245 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $671 | $6,900 | $9,300 | $17,349 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $674 | $800 | $7,250 | $15,332 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $680 | $6,000 | $8,900 | $17,063 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $686 | $1,450 | $7,500 | $15,728 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $687 | $3,500 | $9,950 | $18,189 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $689 | $1,850 | $9,100 | $17,374 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $694 | $3,500 | $9,950 | $18,273 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $695 | $2,000 | $8,200 | $16,544 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $699 | $800 | $7,250 | $15,633 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $700 | $6,000 | $8,900 | $17,300 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $711 | $1,450 | $7,500 | $16,035 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $711 | $3,000 | $8,950 | $17,486 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $712 | $3,500 | $9,200 | $17,746 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $714 | $6,000 | $8,900 | $17,472 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $720 | $4,000 | $9,550 | $18,185 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $720 | $2,500 | $9,900 | $18,539 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $728 | $3,000 | $8,950 | $17,681 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $728 | $3,500 | $9,200 | $17,941 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $729 | $5,750 | $10,150 | $18,898 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $733 | $6,000 | $8,900 | $17,699 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $734 | $6,000 | $8,900 | $17,708 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $737 | $6,300 | $8,400 | $17,244 | |
| Oscar Health | Silver Classic | Silver | EPO | $744 | $5,500 | $8,900 | $17,827 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $744 | $5,000 | $8,650 | $17,577 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $758 | $550 | $10,100 | $19,192 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $761 | $6,000 | $8,900 | $18,030 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $765 | $6,300 | $8,400 | $17,577 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $768 | $2,400 | $10,400 | $19,614 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $772 | $5,000 | $8,650 | $17,913 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $773 | $2,000 | $8,200 | $17,480 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $777 | $1,700 | $10,150 | $19,472 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $807 | $2,000 | $8,200 | $17,886 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $900 | $6,000 | $8,900 | $19,698 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $910 | $1,450 | $10,600 | $21,517 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $918 | $1,250 | $10,500 | $21,512 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $921 | $6,000 | $8,900 | $19,954 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $944 | $0 | $10,150 | $21,476 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $403 | $455 | $592 | 29 | $7,450 | $10,000 | $15,706 |
| Silver | $635 | $728 | $944 | 31 | $5,750 | $8,950 | $17,708 |
| Gold | $530 | $620 | $807 | 33 | $1,450 | $8,200 | $15,694 |
| CatastrophicUnder 30 or hardship exemption only | $335 | $397 | $549 | 3 | $10,600 | $10,600 | $15,366 |
* 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.