Health insurance prices in Harris County, TX (2026)

121 marketplace plans from 7 insurers. Cheapest plan $375/mo; typical Silver $755/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.

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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 $375–$759 (typical $490) · Silver $586–$1,211 (typical $755) · Gold $502–$1,035 (typical $649) · Catastrophic $449–$573 (typical $511)

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 planInsurerPlansCheapest planTypical BronzeTypical SilverTypical GoldCheapest plan name
Imperial Health Plan7$385$399$613$556Imperial Preferred Bronze
Community Health Choice15$375$411$617$519Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Oscar Health23$466$488$714$621Bronze Simple Breathe Easy with Enhanced COPD Benefits
UnitedHealthcareUnitedHealth Group15$476$492$752$666UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded
Wellpoint (Elevance Health)21$473$493$784$660Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Ambetter (Centene)18$541 Goldno Bronze$792$732Standard Gold VALUE
Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company)22$403$582$949$807MyBlue Health Bronze℠ Standard

All 121 plans in Harris County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Community Health ChoiceCommunity Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Expanded BronzeHMO$375$9,800$10,600$15,094
Imperial Health PlanImperial Preferred BronzeBronzeHMO$385$9,200$9,200$13,823
Community Health ChoiceCommunity Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Expanded BronzeHMO$397$9,800$10,600$15,361
Blue Cross and Blue Shield of TexasMyBlue Health Bronze℠ StandardExpanded BronzeHMO$403$7,500$10,000$14,839
Community Health ChoiceCommunity Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Expanded BronzeHMO$411$7,500$10,000$14,928
Imperial Health PlanImperial Standard BronzeExpanded BronzeHMO$412$7,500$10,000$14,945
Blue Cross and Blue Shield of TexasMyBlue Health Bronze℠ 402Expanded BronzeHMO$419$5,000$9,000$14,025
Wellpoint (Elevance Health)Wellpoint Essential Catastrophic (+ Incentives)CatastrophicHMO$449$10,600$10,600$15,989
Oscar HealthBronze Simple Breathe Easy with Enhanced COPD BenefitsExpanded BronzeEPO$466$9,000$10,600$16,190
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$473$6,000$10,600$16,272
UnitedHealthcareUHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med DedExpanded BronzeHMO$476$0$10,600$16,308
Wellpoint (Elevance Health)Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$479$7,500$10,000$15,749
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs)Expanded BronzeHMO$481$6,000$10,600$16,366
Oscar HealthBronze Classic StandardExpanded BronzeEPO$482$7,500$10,000$15,781
Oscar HealthBronze Classic 4700Expanded BronzeEPO$488$4,700$9,800$15,651
UnitedHealthcareUHC Bronze Essential ($0 Virtual Urgent Care)BronzeHMO$489$10,600$10,600$16,464
Oscar HealthBronze Simple DiabetesExpanded BronzeEPO$489$5,500$10,150$16,018
UnitedHealthcareUHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)Expanded BronzeHMO$492$0$10,600$16,501
Wellpoint (Elevance Health)Wellpoint Essential Bronze 4000 HSA (+ Incentives)Expanded BronzeHMO$493$4,000$8,450$14,371
Community Health ChoiceCommunity Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Expanded BronzeHMO$494$8,500$10,600$16,530
Oscar HealthBronze Simple Chronic Care CKMExpanded BronzeEPO$497$5,500$10,150$16,117
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$499$5,500$10,600$16,585
Community Health ChoiceCommunity Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)GoldHMO$502$2,000$9,200$15,219
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$503$7,500$10,000$16,037
Wellpoint (Elevance Health)Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzePOS$504$4,500$10,600$16,652
Community Health ChoiceCommunity Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Expanded BronzeHMO$509$7,500$10,000$16,109
Oscar HealthBronze Elite + PCP Saver PlusExpanded BronzeEPO$509$0$10,150$16,263
UnitedHealthcareUHC Bronze StandardExpanded BronzeHMO$511$7,500$10,000$16,127
Community Health ChoiceCommunity Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)GoldHMO$514$2,000$8,200$14,366
Community Health ChoiceCommunity Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)GoldHMO$519$2,000$9,200$15,425
UnitedHealthcareUHC Bronze Standard+ (Dental + Vision)Expanded BronzeHMO$528$7,500$10,000$16,337
Ambetter (Centene)Standard Gold VALUEGoldHMO$541$2,000$8,200$14,696
Blue Cross and Blue Shield of TexasMyBlue Health Gold℠ 403GoldHMO$551$500$8,500$15,114
Ambetter (Centene)Complete VALUE GoldGoldHMO$554$1,450$7,500$14,142
Imperial Health PlanImperial Standard GoldGoldHMO$554$2,000$8,200$14,844
Imperial Health PlanImperial Preferred Gold ZeroGoldHMO$556$0$9,200$15,876
Imperial Health PlanImperial Preferred GoldGoldHMO$559$1,350$9,000$15,704
Blue Cross and Blue Shield of TexasMyBlue Health Gold℠ StandardGoldHMO$559$2,000$8,200$14,914
Blue Cross and Blue Shield of TexasBlue Advantage Security HMO℠ 200CatastrophicHMO$573$10,600$10,600$17,474
Blue Cross and Blue Shield of TexasBlue Advantage Bronze HMO℠ StandardExpanded BronzeHMO$581$7,500$10,000$16,978
Blue Cross and Blue Shield of TexasBlue Advantage Bronze HMO℠ 204Expanded BronzeHMO$582$6,000$10,150$17,136
Community Health ChoiceCommunity Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)SilverHMO$586$4,500$9,000$16,035
Ambetter (Centene)Standard Silver VALUESilverHMO$592$6,000$8,900$16,005
Ambetter (Centene)Focused VALUE SilverSilverHMO$595$6,300$8,400$15,541
Imperial Health PlanImperial Standard SilverSilverHMO$607$6,000$8,900$16,182
Oscar HealthGold Simple Guided CareGoldHMO$609$3,300$9,950$17,254
Oscar HealthGold Classic Standard Guided CareGoldHMO$612$2,000$8,200$15,542
Ambetter (Centene)Standard Silver VALUE + Vision + Adult DentalSilverHMO$614$6,000$8,900$16,273
Oscar HealthGold Simple Diabetes Guided CareGoldHMO$615$2,000$9,800$17,176
Community Health ChoiceCommunity Ultra Select Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)SilverHMO$616$6,000$8,900$16,295
Community Health ChoiceCommunity Ultra Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)SilverHMO$617$4,500$9,000$16,405
Ambetter (Centene)Focused VALUE Silver + Vision + Adult DentalSilverHMO$618$6,300$8,400$15,811
Imperial Health PlanImperial Preferred SilverSilverHMO$618$7,500$9,500$16,918
Oscar HealthGold Classic Guided CareGoldHMO$621$2,500$8,000$15,457
Blue Cross and Blue Shield of TexasMyBlue Health Silver℠ StandardSilverHMO$636$6,000$8,900$16,532
Oscar HealthGold Classic StandardGoldEPO$637$2,000$8,200$15,844
Blue Cross and Blue Shield of TexasMyBlue Health Silver℠ 405SilverHMO$637$1,500$10,600$18,244
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$642$800$9,000$16,704
Wellpoint (Elevance Health)Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$645$2,000$8,200$15,937
Wellpoint (Elevance Health)Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$646$1,500$5,000$12,750
Oscar HealthGold ClassicGoldEPO$647$2,500$8,000$15,763
UnitedHealthcareUHC Gold StandardGoldHMO$649$2,000$8,200$15,983
UnitedHealthcareUHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx)GoldHMO$649$0$7,800$15,586
Community Health ChoiceCommunity Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)GoldHMO$654$2,000$8,200$16,052
Community Health ChoiceCommunity Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)GoldHMO$659$2,500$7,500$15,412
Oscar HealthGold EliteGoldEPO$660$1,200$7,800$15,724
UnitedHealthcareUHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx)GoldHMO$666$1,000$7,500$15,490
UnitedHealthcareUHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision)GoldHMO$666$0$7,800$15,795
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$674$700$7,500$15,592
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$677$2,000$8,200$16,324
Wellpoint (Elevance Health)Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldPOS$678$1,000$8,950$17,092
UnitedHealthcareUHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med DedSilverHMO$681$0$9,200$17,377
UnitedHealthcareUHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision)GoldHMO$683$1,000$7,500$15,699
Oscar HealthSilver Simple Guided CareSilverHMO$694$6,300$9,300$17,626
UnitedHealthcareUHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision)SilverHMO$697$0$9,200$17,564
Oscar HealthSilver Simple Diabetes Guided CareSilverHMO$702$6,500$10,000$18,424
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ 305BronzePOS$703$7,300$10,600$19,033
Oscar HealthSilver Simple Breathe Easy with Enhanced COPD Benefits Guided CareSilverHMO$707$6,200$9,600$18,083
Oscar HealthSilver Simple Chronic Care CKM Guided CareSilverHMO$707$5,900$10,150$18,639
Oscar HealthSilver Simple Women's Health with Menopause Benefits Guided CareSilverHMO$709$6,000$10,150$18,663
Oscar HealthSilver Classic Standard Guided CareSilverHMO$719$6,000$8,900$17,526
Ambetter (Centene)Standard GoldGoldEPO$722$2,000$8,200$16,868
Oscar HealthSilver Simple PCP Saver Guided CareSilverHMO$724$5,750$10,150$18,840
Ambetter (Centene)Everyday GoldGoldEPO$726$800$7,250$15,958
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ StandardExpanded BronzePOS$736$7,500$10,000$18,828
Ambetter (Centene)Complete GoldGoldEPO$739$1,450$7,500$16,366
Oscar HealthSilver Simple PCP SaverSilverEPO$744$5,750$10,150$19,073
Oscar HealthSilver Classic StandardSilverEPO$749$6,000$8,900$17,883
Ambetter (Centene)Standard Gold + Vision + Adult DentalGoldEPO$749$2,000$8,200$17,191
UnitedHealthcareUHC Silver StandardSilverHMO$752$6,000$8,900$17,920
Ambetter (Centene)Everyday Gold + Vision + Adult DentalGoldEPO$753$800$7,250$16,282
Oscar HealthSilver ClassicSilverEPO$759$5,500$8,900$18,005
Blue Cross and Blue Shield of TexasBlue Advantage Plus Bronze℠ 303Expanded BronzePOS$759$7,000$10,150$19,258
UnitedHealthcareUHC Silver Value ($0 Virtual Urgent Care)SilverHMO$764$3,000$8,950$18,115
Ambetter (Centene)Complete Gold + Vision + Adult DentalGoldEPO$766$1,450$7,500$16,696
Wellpoint (Elevance Health)Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$769$6,000$8,900$18,130
Community Health ChoiceCommunity Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)SilverHMO$774$6,000$8,900$18,194
Community Health ChoiceCommunity Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)SilverHMO$775$2,800$10,600$19,903
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$776$3,500$9,950$19,266
Wellpoint (Elevance Health)Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$780$1,850$9,100$18,455
UnitedHealthcareUHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision)SilverHMO$781$3,000$8,950$18,325
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$784$3,500$9,950$19,362
Ambetter (Centene)Standard SilverSilverEPO$790$6,000$8,900$18,381
Blue Cross and Blue Shield of TexasBlue Advantage Gold HMO℠ 206GoldHMO$790$550$10,100$19,582
Ambetter (Centene)Focused SilverSilverEPO$794$6,300$8,400$17,930
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug OptionsSilverEPO$802$5,000$8,650$18,269
Blue Cross and Blue Shield of TexasBlue Advantage Gold HMO℠ StandardGoldHMO$807$2,000$8,200$17,878
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$808$6,000$8,900$18,593
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$814$4,000$9,550$19,314
Wellpoint (Elevance Health)Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverPOS$814$2,500$9,900$19,668
Ambetter (Centene)Standard Silver + Vision + Adult DentalSilverEPO$820$6,000$8,900$18,737
Ambetter (Centene)Focused Silver + Vision + Adult DentalSilverEPO$824$6,300$8,400$18,288
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilverEPO$832$5,000$8,650$18,631
Blue Cross and Blue Shield of TexasBlue Advantage Silver HMO℠ StandardSilverHMO$938$6,000$8,900$20,161
Blue Cross and Blue Shield of TexasBlue Advantage Silver HMO℠ 205SilverHMO$949$1,450$10,600$21,985
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ 803GoldPOS$985$2,400$10,400$22,218
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ 203GoldPOS$996$1,700$10,150$22,107
Blue Cross and Blue Shield of TexasBlue Advantage Plus Gold℠ StandardGoldPOS$1,035$2,000$8,200$20,624
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ 202SilverPOS$1,177$1,250$10,500$24,624
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ StandardSilverPOS$1,182$6,000$8,900$23,078
Blue Cross and Blue Shield of TexasBlue Advantage Plus Silver℠ 605SilverPOS$1,211$0$10,150$24,677
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$375$490$75932$7,500$10,150$16,159
Silver$586$755$1,21146$6,000$8,950$18,257
Gold$502$649$1,03541$2,000$8,200$15,844
CatastrophicUnder 30 or hardship exemption only$449$511$5732$10,600$10,600$16,732

* 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.

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