Health insurance prices in Karnes County, TX (2026)
47 marketplace plans from 3 insurers. Cheapest plan $448/mo; typical Silver $840/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 22.
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 $448–$609 (typical $559) · Silver $706–$971 (typical $840) · Gold $589–$831 (typical $724) · Catastrophic $372–$565 (typical $469)
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 | $448 | $454 | $725 | $613 | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | |
| UnitedHealthcareUnitedHealth Group | 14 | $525 | $558 | $822 | $716 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 19 | $559 | $574 | $940 | $793 | Blue Advantage Bronze HMO℠ 301 |
All 47 plans in Karnes 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 | $372 | $10,600 | $10,600 | $15,065 | |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $448 | $7,500 | $10,000 | $15,378 | |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $454 | $8,500 | $9,900 | $15,349 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $454 | $7,450 | $9,850 | $15,300 | |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $466 | $8,500 | $9,900 | $15,497 | |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | HMO | $467 | $7,450 | $9,850 | $15,455 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $525 | $10,600 | $10,600 | $16,904 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $549 | $7,500 | $10,000 | $16,587 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | HMO | $559 | $10,600 | $10,600 | $17,302 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $564 | $7,300 | $10,600 | $17,367 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $565 | $10,600 | $10,600 | $17,384 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $568 | $7,500 | $10,000 | $16,812 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $574 | $7,500 | $10,000 | $16,886 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $574 | $6,000 | $10,150 | $17,044 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $581 | $0 | $10,600 | $17,571 | |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | HMO | $589 | $2,000 | $8,200 | $15,269 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $590 | $7,500 | $10,000 | $17,084 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $597 | $3,750 | $9,200 | $16,366 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $609 | $7,000 | $10,150 | $17,459 | |
| CHRISTUS Health Plan | CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | HMO | $613 | $3,750 | $9,200 | $16,559 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $621 | $0 | $9,200 | $16,655 | |
| CHRISTUS Health Plan | CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | HMO | $641 | $0 | $9,200 | $16,892 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $697 | $2,000 | $8,200 | $16,567 | |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | HMO | $706 | $6,000 | $8,900 | $17,367 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $714 | $0 | $7,800 | $16,362 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $716 | $1,000 | $7,500 | $16,089 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $725 | $6,900 | $9,300 | $18,004 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $732 | $0 | $7,800 | $16,587 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $735 | $1,000 | $7,500 | $16,314 | |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | HMO | $746 | $6,900 | $9,300 | $18,251 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $780 | $550 | $10,100 | $19,458 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | HMO | $788 | $1,000 | $8,200 | $17,660 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $790 | $2,400 | $10,400 | $19,883 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $796 | $2,000 | $8,200 | $17,751 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $800 | $1,700 | $10,150 | $19,744 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $808 | $6,000 | $8,900 | $18,596 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $821 | $3,000 | $8,950 | $18,803 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $822 | $3,500 | $9,200 | $19,064 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $831 | $2,000 | $8,200 | $18,169 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $840 | $3,000 | $8,950 | $19,028 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $841 | $3,500 | $9,200 | $19,289 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | HMO | $917 | $4,000 | $9,200 | $20,203 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $926 | $6,000 | $8,900 | $20,013 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $936 | $1,450 | $10,600 | $21,836 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $944 | $1,250 | $10,500 | $21,833 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $948 | $6,000 | $8,900 | $20,277 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $971 | $0 | $10,150 | $21,807 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $448 | $559 | $609 | 15 | $7,500 | $10,000 | $16,886 |
| Silver | $706 | $840 | $971 | 14 | $3,750 | $9,200 | $19,177 |
| Gold | $589 | $724 | $831 | 16 | $1,350 | $8,200 | $16,621 |
| CatastrophicUnder 30 or hardship exemption only | $372 | $469 | $565 | 2 | $10,600 | $10,600 | $16,224 |
* 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.