Health insurance prices in Milam County, TX (2026)
67 marketplace plans from 5 insurers. Cheapest plan $414/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 6.
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 $414–$549 (typical $495) · Silver $660–$875 (typical $728) · Gold $566–$749 (typical $661) · Catastrophic $509–$509 (typical $509)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 12 | $414 | $434 | $665 | $575 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| UnitedHealthcareUnitedHealth Group | 14 | $447 | $476 | $700 | $610 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Ambetter (Centene) | 12 | $642 Gold | no Bronze | $720 | $661 | Standard Gold | |
| Baylor Scott & White Health Plan | 10 | $495 | $503 | $792 | $676 | BSW Savers Bronze HMO H S A 006 | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 19 | $503 | $517 | $847 | $715 | Blue Advantage Bronze HMO℠ 301 |
All 67 plans in Milam County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $414 | $9,000 | $10,600 | $15,565 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $428 | $7,500 | $10,000 | $15,134 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $433 | $4,700 | $9,800 | $14,996 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $434 | $5,500 | $10,150 | $15,362 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $442 | $5,500 | $10,150 | $15,449 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $447 | $10,600 | $10,600 | $15,970 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $452 | $0 | $10,150 | $15,579 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $468 | $7,500 | $10,000 | $15,611 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $484 | $7,500 | $10,000 | $15,802 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $495 | $0 | $10,600 | $16,537 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze | HMO | $495 | $8,000 | $8,000 | $13,942 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | Expanded Bronze | HMO | $503 | $7,500 | $10,000 | $16,037 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 301 | Bronze | HMO | $503 | $10,600 | $10,600 | $16,640 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $508 | $7,300 | $10,600 | $16,698 | |
| Baylor Scott & White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze | HMO | $509 | $5,300 | $10,600 | $16,708 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $509 | $10,600 | $10,600 | $16,713 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $517 | $7,500 | $10,000 | $16,206 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $518 | $6,000 | $10,150 | $16,363 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $532 | $7,500 | $10,000 | $16,384 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $549 | $7,000 | $10,150 | $16,736 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $566 | $2,000 | $8,200 | $14,988 | |
| Oscar Health | Gold Classic | Gold | EPO | $575 | $2,500 | $8,000 | $14,894 | |
| Oscar Health | Gold Elite | Gold | EPO | $586 | $1,200 | $7,800 | $14,837 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $594 | $2,000 | $8,200 | $15,327 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $608 | $0 | $7,800 | $15,093 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $610 | $1,000 | $7,500 | $14,816 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $624 | $0 | $7,800 | $15,285 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $626 | $1,000 | $7,500 | $15,008 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $642 | $2,000 | $8,200 | $15,899 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $645 | $800 | $7,250 | $14,985 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $656 | $1,450 | $7,500 | $15,374 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $660 | $5,750 | $10,150 | $18,074 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 004 | Gold | HMO | $661 | $1,550 | $8,100 | $16,034 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Gold | HMO | $661 | $2,000 | $8,200 | $16,135 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $665 | $6,000 | $8,900 | $16,878 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $665 | $2,000 | $8,200 | $16,186 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $669 | $800 | $7,250 | $15,272 | |
| Oscar Health | Silver Classic | Silver | EPO | $674 | $5,500 | $8,900 | $16,986 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $681 | $1,450 | $7,500 | $15,667 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $688 | $6,000 | $8,900 | $17,159 | |
| Baylor Scott & White Health Plan | BSW Elite Gold HMO 012 | Gold | HMO | $690 | $500 | $10,600 | $18,885 | |
| Baylor Scott & White Health Plan | BSW Diabetes Care Gold HMO 014 | Gold | HMO | $694 | $1,700 | $10,150 | $18,483 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $699 | $3,000 | $8,950 | $17,342 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $700 | $3,500 | $9,200 | $17,602 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $702 | $6,000 | $8,900 | $17,321 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $703 | $550 | $10,100 | $18,533 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $705 | $6,300 | $8,400 | $16,864 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 603 | Gold | HMO | $710 | $1,000 | $8,200 | $16,725 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $712 | $5,000 | $8,650 | $17,194 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $712 | $2,400 | $10,400 | $18,946 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $715 | $3,000 | $8,950 | $17,534 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $716 | $3,500 | $9,200 | $17,794 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $717 | $2,000 | $8,200 | $16,807 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $721 | $1,700 | $10,150 | $18,796 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $728 | $6,000 | $8,900 | $17,637 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $732 | $6,300 | $8,400 | $17,182 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $739 | $5,000 | $8,650 | $17,515 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $749 | $2,000 | $8,200 | $17,184 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | Silver | HMO | $792 | $6,000 | $8,900 | $18,405 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 005 | Silver | HMO | $792 | $3,000 | $9,000 | $18,508 | |
| Baylor Scott & White Health Plan | BSW Prime Silver HMO 008 | Silver | HMO | $793 | $5,000 | $8,500 | $18,016 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 801 | Silver | HMO | $826 | $4,000 | $9,200 | $19,116 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $835 | $6,000 | $8,900 | $18,915 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $844 | $1,450 | $10,600 | $20,725 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $851 | $1,250 | $10,500 | $20,713 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $854 | $6,000 | $8,900 | $19,153 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $875 | $0 | $10,150 | $20,655 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $414 | $495 | $549 | 19 | $7,500 | $10,150 | $15,970 |
| Silver | $660 | $728 | $875 | 23 | $5,000 | $8,900 | $17,637 |
| Gold | $566 | $661 | $749 | 24 | $1,500 | $8,200 | $15,783 |
| CatastrophicUnder 30 or hardship exemption only | $509 | $509 | $509 | 1 | $10,600 | $10,600 | $16,713 |
* 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.