Health insurance prices in Lubbock County, TX (2026)
74 marketplace plans from 5 insurers. Cheapest plan $487/mo; typical Silver $852/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 14.
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 $487–$662 (typical $538) · Silver $779–$1,002 (typical $852) · Gold $650–$812 (typical $734) · Catastrophic $487–$526 (typical $507)
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 |
|---|---|---|---|---|---|---|---|
| Baylor Scott & White Health Plan | 9 | $487 | $495 | $779 | $650 | BSW Savers Bronze HMO H S A 006 | |
| UnitedHealthcareUnitedHealth Group | 14 | $531 | $564 | $830 | $723 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Wellpoint (Elevance Health) | 21 | $513 | $535 | $851 | $716 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 19 | $520 | $534 | $875 | $738 | Blue Advantage Bronze HMO℠ 301 | |
| Cigna HealthcareCigna Group | 11 | $649 | $656 | $997 | $806 | Connect Bronze 8500 Indiv Med Deductible |
All 74 plans in Lubbock County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | HMO | $487 | $8,000 | $8,000 | $13,845 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $487 | $10,600 | $10,600 | $16,448 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | HMO | $495 | $7,500 | $10,000 | $15,938 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | HMO | $501 | $5,300 | $10,600 | $16,608 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $513 | $6,000 | $10,600 | $16,755 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | HMO | $520 | $10,600 | $10,600 | $16,836 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $520 | $7,500 | $10,000 | $16,239 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $521 | $6,000 | $10,600 | $16,858 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $525 | $7,300 | $10,600 | $16,896 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $526 | $10,600 | $10,600 | $16,912 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $531 | $10,600 | $10,600 | $16,968 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $534 | $7,500 | $10,000 | $16,407 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $535 | $6,000 | $10,150 | $16,564 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $535 | $4,000 | $8,450 | $14,875 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $541 | $5,500 | $10,600 | $17,095 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $546 | $7,500 | $10,000 | $16,551 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $547 | $4,500 | $10,600 | $17,167 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $549 | $7,500 | $10,000 | $16,591 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $554 | $7,500 | $10,000 | $16,654 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $567 | $7,000 | $10,150 | $16,950 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $573 | $7,500 | $10,000 | $16,881 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $587 | $0 | $10,600 | $17,641 | |
| Cigna Healthcare | Connect Bronze 8500 Indiv Med Deductible | Expanded Bronze | HMO | $649 | $8,500 | $10,600 | $18,385 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 004 | Gold | HMO | $650 | $1,550 | $8,100 | $15,904 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | HMO | $650 | $2,000 | $8,200 | $16,005 | |
| Cigna Healthcare | Connect Bronze 5750 Indiv Med Deductible | Expanded Bronze | HMO | $654 | $5,750 | $10,600 | $18,454 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | HMO | $658 | $6,500 | $10,600 | $18,493 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $662 | $7,500 | $10,000 | $17,942 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 012 | Gold | HMO | $679 | $500 | $10,600 | $18,750 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $697 | $800 | $9,000 | $17,360 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $700 | $2,000 | $8,200 | $16,596 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $701 | $1,500 | $5,000 | $13,410 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $704 | $2,000 | $8,200 | $16,652 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $721 | $0 | $7,800 | $16,449 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $723 | $1,000 | $7,500 | $16,176 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $726 | $550 | $10,100 | $18,806 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $732 | $700 | $7,500 | $16,281 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | HMO | $734 | $1,000 | $8,200 | $17,002 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $735 | $2,000 | $8,200 | $17,016 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $735 | $2,400 | $10,400 | $19,223 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $736 | $1,000 | $8,950 | $17,785 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $740 | $0 | $7,800 | $16,677 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $741 | $2,000 | $8,200 | $17,086 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $742 | $1,000 | $7,500 | $16,404 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $744 | $1,700 | $10,150 | $19,077 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $773 | $2,000 | $8,200 | $17,475 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | HMO | $779 | $6,000 | $8,900 | $18,249 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 005 | Silver | HMO | $779 | $3,000 | $9,000 | $18,353 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 008 | Silver | HMO | $780 | $5,000 | $8,500 | $17,860 | |
| Cigna Healthcare | Connect Gold 3000 Indiv Med Deductible | Gold | HMO | $796 | $3,000 | $7,000 | $16,558 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | HMO | $800 | $2,000 | $8,200 | $17,796 | |
| Cigna Healthcare | Connect myDiabetesCare Gold | Gold | HMO | $812 | $2,250 | $8,250 | $17,990 | |
| Cigna Healthcare | Connect Gold 1400 Indiv Med Deductible | Gold | HMO | $812 | $1,400 | $9,125 | $18,867 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $816 | $6,000 | $8,900 | $18,695 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $829 | $3,000 | $8,950 | $18,903 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $830 | $3,500 | $9,200 | $19,164 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $835 | $6,000 | $8,900 | $18,916 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $842 | $3,500 | $9,950 | $20,060 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $846 | $1,850 | $9,100 | $19,252 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $848 | $3,000 | $8,950 | $19,130 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $849 | $3,500 | $9,200 | $19,392 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $851 | $3,500 | $9,950 | $20,163 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | HMO | $853 | $4,000 | $9,200 | $19,437 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $862 | $6,000 | $8,900 | $19,240 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $871 | $1,450 | $10,600 | $21,054 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $877 | $6,000 | $8,900 | $19,418 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $879 | $1,250 | $10,500 | $21,044 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $882 | $6,000 | $8,900 | $19,485 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $883 | $4,000 | $9,550 | $20,146 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $883 | $2,500 | $9,900 | $20,500 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $904 | $0 | $10,150 | $20,996 | |
| Cigna Healthcare | Connect Silver 4000 Indiv Med Deductible | Silver | HMO | $986 | $4,000 | $9,900 | $21,733 | |
| Cigna Healthcare | Connect Silver 3000 Indiv Med Deductible | Silver | HMO | $997 | $3,000 | $9,900 | $21,859 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $1,002 | $6,000 | $8,900 | $20,921 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $487 | $538 | $662 | 24 | $7,400 | $10,375 | $16,847 |
| Silver | $779 | $852 | $1,002 | 24 | $3,500 | $9,150 | $19,428 |
| Gold | $650 | $734 | $812 | 24 | $1,525 | $8,200 | $17,009 |
| CatastrophicUnder 30 or hardship exemption only | $487 | $507 | $526 | 2 | $10,600 | $10,600 | $16,680 |
* 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.