Health insurance prices in Hays County, TX (2026)
102 marketplace plans from 9 insurers. Cheapest plan $387/mo; typical Silver $748/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 3.
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.
Compare options
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 $387–$678 (typical $533) · Silver $608–$1,082 (typical $748) · Gold $509–$925 (typical $663) · Catastrophic $322–$630 (typical $476)
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 |
|---|---|---|---|---|---|---|---|
| Sendero Health PlansSendero (Central Health, Travis Co.) | 7 | $433 | $446 | $625 | $582 | Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist | |
| CHRISTUS Health Plan | 14 | $387 | $392 | $627 | $530 | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | |
| Harbor Health | 4 | $571 Gold | no Bronze | $693 | $601 | Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care | |
| UnitedHealthcareUnitedHealth Group | 14 | $450 | $478 | $704 | $613 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Imperial Health Plan | 7 | $466 | $483 | $741 | $673 | Imperial Preferred Bronze | |
| Oscar Health | 23 | $533 | $559 | $753 | $656 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Ambetter (Centene) | 12 | $747 Gold | no Bronze | $838 | $769 | Standard Gold | |
| Moda Health | 5 | $553 | $567 | $920 | $791 | Moda Select Texas Bronze 8700 ($0 Virtual Urgent Care through CirrusMD) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $628 | $640 | $1,052 | $886 | Blue Advantage Plus Bronze℠ 305 |
All 102 plans in Hays 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 | $322 | $10,600 | $10,600 | $14,458 | |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $387 | $7,500 | $10,000 | $14,647 | |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $392 | $8,500 | $9,900 | $14,608 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $392 | $7,450 | $9,850 | $14,559 | |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $403 | $8,500 | $9,900 | $14,736 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $404 | $7,450 | $9,850 | $14,693 | |
| Sendero Health Plans | Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist | Expanded Bronze | HMO | $433 | $7,500 | $10,000 | $15,192 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $450 | $10,600 | $10,600 | $16,002 | |
| Sendero Health Plans | Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs | Expanded Bronze | HMO | $459 | $8,550 | $9,800 | $15,311 | |
| Imperial Health Plan | Imperial Preferred Bronze | Bronze | HMO | $466 | $9,200 | $9,200 | $14,796 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $470 | $7,500 | $10,000 | $15,645 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $486 | $7,500 | $10,000 | $15,838 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $498 | $0 | $10,600 | $16,573 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $499 | $7,500 | $10,000 | $15,986 | |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | HMO | $509 | $2,000 | $8,200 | $14,308 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $516 | $3,750 | $9,200 | $15,392 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $530 | $3,750 | $9,200 | $15,558 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $533 | $9,000 | $10,600 | $16,994 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $537 | $0 | $9,200 | $15,642 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $551 | $7,500 | $10,000 | $16,613 | |
| Moda Health | Moda Select Texas Bronze 8700 ($0 Virtual Urgent Care through CirrusMD) | Expanded Bronze | EPO | $553 | $8,700 | $8,700 | $15,340 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $554 | $0 | $9,200 | $15,847 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $558 | $4,700 | $9,800 | $16,492 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $559 | $5,500 | $10,150 | $16,863 | |
| Moda Health | Moda Select Texas Standard Bronze | Expanded Bronze | EPO | $567 | $7,500 | $10,000 | $16,809 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $569 | $5,500 | $10,150 | $16,975 | |
| Harbor Health | Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care | Gold | HMO | $571 | $0 | $10,150 | $17,000 | |
| Sendero Health Plans | Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugs | Gold | HMO | $577 | $2,000 | $8,200 | $15,128 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $583 | $0 | $10,150 | $17,142 | |
| Sendero Health Plans | Sendero Health Real Gold / $350 Deductible | Gold | HMO | $587 | $350 | $8,750 | $15,795 | |
| Moda Health | Moda Select Texas Bronze HDHP 7500 | Expanded Bronze | EPO | $591 | $7,500 | $7,500 | $14,589 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $598 | $2,000 | $8,200 | $15,370 | |
| Sendero Health Plans | Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs | Silver | HMO | $608 | $6,000 | $8,900 | $16,195 | |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | HMO | $610 | $6,000 | $8,900 | $16,216 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $611 | $0 | $7,800 | $15,137 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $613 | $1,000 | $7,500 | $14,861 | |
| Sendero Health Plans | Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugs | Silver | HMO | $625 | $4,250 | $7,750 | $15,250 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $627 | $6,900 | $9,300 | $16,821 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $628 | $0 | $7,800 | $15,330 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $628 | $7,300 | $10,600 | $18,137 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $629 | $1,000 | $7,500 | $15,053 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $630 | $10,600 | $10,600 | $18,155 | |
| Harbor Health | Harbor Health G1S $30 PCP $30 Mental Health Office Visit $30 Express Care | Gold | HMO | $632 | $2,000 | $8,200 | $15,781 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $639 | $7,500 | $10,000 | $17,670 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $640 | $6,000 | $10,150 | $17,828 | |
| Oscar Health | Gold Simple Guided Care | Gold | HMO | $643 | $3,300 | $9,950 | $17,670 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $645 | $6,900 | $9,300 | $17,034 | |
| Oscar Health | Gold Classic Standard Guided Care | Gold | HMO | $647 | $2,000 | $8,200 | $15,958 | |
| Oscar Health | Gold Simple Diabetes Guided Care | Gold | HMO | $649 | $2,000 | $9,800 | $17,594 | |
| Harbor Health | Harbor Health S1 $0 PCP $0 Mental Health Office Visit $0 Express Care | Silver | HMO | $652 | $9,900 | $10,150 | $17,975 | |
| Oscar Health | Gold Classic Guided Care | Gold | HMO | $656 | $2,500 | $8,000 | $15,878 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $657 | $7,500 | $10,000 | $17,890 | |
| Sendero Health Plans | Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible | Silver | HMO | $666 | $0 | $9,200 | $17,194 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $670 | $2,000 | $8,200 | $16,242 | |
| Imperial Health Plan | Imperial Preferred Gold Zero | Gold | HMO | $673 | $0 | $9,200 | $17,281 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $676 | $1,350 | $9,000 | $17,115 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $678 | $7,000 | $10,150 | $18,290 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $692 | $6,000 | $8,900 | $17,209 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $704 | $3,000 | $8,950 | $17,393 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $704 | $3,500 | $9,200 | $17,653 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $720 | $3,000 | $8,950 | $17,586 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $720 | $3,500 | $9,200 | $17,846 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $729 | $2,000 | $8,200 | $16,943 | |
| Oscar Health | Silver Simple Guided Care | Silver | HMO | $732 | $6,300 | $9,300 | $18,085 | |
| Harbor Health | Harbor Health S1S $40 PCP $40 Mental Health Office Visit $40 Express Care | Silver | HMO | $733 | $6,000 | $8,900 | $17,697 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $735 | $6,000 | $8,900 | $17,715 | |
| Oscar Health | Gold Classic | Gold | EPO | $740 | $2,500 | $8,000 | $16,879 | |
| Oscar Health | Silver Simple Diabetes Guided Care | Silver | HMO | $740 | $6,500 | $10,000 | $18,886 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | HMO | $746 | $6,200 | $9,600 | $18,548 | |
| Oscar Health | Silver Simple Chronic Care CKM Guided Care | Silver | HMO | $746 | $5,900 | $10,150 | $19,104 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $747 | $2,000 | $8,200 | $17,159 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | HMO | $748 | $6,000 | $10,150 | $19,129 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $748 | $7,500 | $9,500 | $18,480 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $750 | $800 | $7,250 | $16,250 | |
| Oscar Health | Gold Elite | Gold | EPO | $755 | $1,200 | $7,800 | $16,863 | |
| Oscar Health | Silver Classic Standard Guided Care | Silver | HMO | $758 | $6,000 | $8,900 | $17,997 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $764 | $1,450 | $7,500 | $16,663 | |
| Oscar Health | Silver Simple PCP Saver Guided Care | Silver | HMO | $764 | $5,750 | $10,150 | $19,313 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $774 | $2,000 | $8,200 | $17,492 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $778 | $800 | $7,250 | $16,585 | |
| Moda Health | Moda Select Texas Standard Gold | Gold | EPO | $791 | $2,000 | $8,200 | $17,688 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $792 | $1,450 | $7,500 | $17,004 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $817 | $6,000 | $8,900 | $18,698 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $821 | $6,300 | $8,400 | $18,249 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $828 | $5,000 | $8,650 | $18,591 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $847 | $6,000 | $8,900 | $19,067 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $850 | $5,750 | $10,150 | $20,356 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $852 | $6,300 | $8,400 | $18,619 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $856 | $6,000 | $8,900 | $19,175 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $860 | $5,000 | $8,650 | $18,965 | |
| Oscar Health | Silver Classic | Silver | EPO | $868 | $5,500 | $8,900 | $19,314 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $868 | $550 | $10,100 | $20,522 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $880 | $2,400 | $10,400 | $20,962 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $886 | $2,000 | $8,200 | $18,838 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $891 | $1,700 | $10,150 | $20,836 | |
| Moda Health | Moda Select Texas Standard Silver | Silver | EPO | $920 | $6,000 | $8,900 | $19,941 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $925 | $2,000 | $8,200 | $19,303 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $1,031 | $6,000 | $8,900 | $21,277 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $1,043 | $1,450 | $10,600 | $23,114 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $1,052 | $1,250 | $10,500 | $23,123 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $1,056 | $6,000 | $8,900 | $21,572 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $1,082 | $0 | $10,150 | $23,134 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $387 | $533 | $678 | 27 | $7,500 | $10,000 | $16,002 |
| Silver | $608 | $748 | $1,082 | 37 | $6,000 | $8,950 | $18,548 |
| Gold | $509 | $663 | $925 | 36 | $2,000 | $8,200 | $16,624 |
| CatastrophicUnder 30 or hardship exemption only | $322 | $476 | $630 | 2 | $10,600 | $10,600 | $16,307 |
* 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.