Health insurance prices in Montgomery County, TX (2026)
112 marketplace plans from 7 insurers. Cheapest plan $443/mo; typical Silver $740/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 27.
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 $443–$558 (typical $489) · Silver $653–$889 (typical $740) · Gold $605–$761 (typical $655) · Catastrophic $432–$518 (typical $475)
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 | 23 | $482 | $506 | $720 | $627 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| UnitedHealthcareUnitedHealth Group | 15 | $456 | $471 | $720 | $638 | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | |
| Ambetter (Centene) | 18 | $622 Gold | no Bronze | $730 | $675 | Standard Gold VALUE | |
| Imperial Health Plan | 7 | $463 | $479 | $736 | $668 | Imperial Preferred Bronze | |
| Wellpoint (Elevance Health) | 21 | $455 | $475 | $754 | $635 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Community Health Choice | 6 | $494 | $502 | $775 | $657 | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 22 | $443 | $525 | $857 | $723 | MyBlue Health Bronze℠ Standard |
All 112 plans in Montgomery County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $432 | $10,600 | $10,600 | $15,784 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze | HMO | $443 | $7,500 | $10,000 | $15,313 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $455 | $6,000 | $10,600 | $16,056 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze | HMO | $456 | $0 | $10,600 | $16,069 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze | HMO | $460 | $5,000 | $9,000 | $14,518 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $461 | $7,500 | $10,000 | $15,530 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Expanded Bronze | HMO | $462 | $6,000 | $10,600 | $16,147 | |
| Imperial Health Plan | Imperial Preferred Bronze | Bronze | HMO | $463 | $9,200 | $9,200 | $14,754 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $468 | $10,600 | $10,600 | $16,219 | |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Expanded Bronze | HMO | $471 | $0 | $10,600 | $16,255 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Expanded Bronze | HMO | $475 | $4,000 | $8,450 | $14,145 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $480 | $5,500 | $10,600 | $16,358 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $482 | $9,000 | $10,600 | $16,388 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $484 | $7,500 | $10,000 | $15,807 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $485 | $4,500 | $10,600 | $16,422 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $489 | $7,500 | $10,000 | $15,871 | |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $494 | $8,500 | $10,600 | $16,532 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $495 | $7,500 | $10,000 | $15,940 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $499 | $7,500 | $10,000 | $15,986 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $505 | $4,700 | $9,800 | $15,858 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $506 | $7,500 | $10,000 | $16,072 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $506 | $5,500 | $10,150 | $16,227 | |
| Community Health Choice | Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $509 | $7,500 | $10,000 | $16,111 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $515 | $5,500 | $10,150 | $16,328 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $516 | $7,300 | $10,600 | $16,795 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $518 | $10,600 | $10,600 | $16,810 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $525 | $7,500 | $10,000 | $16,304 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $526 | $6,000 | $10,150 | $16,461 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $527 | $0 | $10,150 | $16,480 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $540 | $7,500 | $10,000 | $16,485 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $558 | $7,000 | $10,150 | $16,841 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ 403 | Gold | HMO | $605 | $500 | $8,500 | $15,763 | |
| Oscar Health | Gold Simple Guided Care | Gold | HMO | $614 | $3,300 | $9,950 | $17,320 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ Standard | Gold | HMO | $614 | $2,000 | $8,200 | $15,572 | |
| Oscar Health | Gold Classic Standard Guided Care | Gold | HMO | $617 | $2,000 | $8,200 | $15,608 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $618 | $800 | $9,000 | $16,411 | |
| Oscar Health | Gold Simple Diabetes Guided Care | Gold | HMO | $620 | $2,000 | $9,800 | $17,241 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $620 | $2,000 | $8,200 | $15,642 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $621 | $1,500 | $5,000 | $12,455 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $621 | $2,000 | $8,200 | $15,658 | |
| Ambetter (Centene) | Standard Gold VALUE | Gold | HMO | $622 | $2,000 | $8,200 | $15,659 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | Gold | HMO | $622 | $0 | $7,800 | $15,260 | |
| Oscar Health | Gold Classic Guided Care | Gold | HMO | $627 | $2,500 | $8,000 | $15,522 | |
| Ambetter (Centene) | Complete VALUE Gold | Gold | HMO | $636 | $1,450 | $7,500 | $15,127 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $638 | $1,000 | $7,500 | $15,156 | |
| UnitedHealthcare | UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $638 | $0 | $7,800 | $15,460 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $649 | $700 | $7,500 | $15,284 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $651 | $2,000 | $8,200 | $16,015 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $653 | $1,000 | $8,950 | $16,782 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | Silver | HMO | $653 | $0 | $9,200 | $17,035 | |
| Community Health Choice | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $655 | $2,000 | $8,200 | $16,056 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $655 | $1,000 | $7,500 | $15,356 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $660 | $2,000 | $8,200 | $16,115 | |
| Community Health Choice | Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $660 | $2,500 | $7,500 | $15,415 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $665 | $2,000 | $8,200 | $16,181 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $666 | $2,000 | $8,200 | $16,189 | |
| UnitedHealthcare | UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Silver | HMO | $668 | $0 | $9,200 | $17,214 | |
| Imperial Health Plan | Imperial Preferred Gold Zero | Gold | HMO | $668 | $0 | $9,200 | $17,220 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $669 | $800 | $7,250 | $15,276 | |
| Oscar Health | Gold Classic | Gold | EPO | $670 | $2,500 | $8,000 | $16,038 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $671 | $1,350 | $9,000 | $17,053 | |
| Ambetter (Centene) | Standard Silver VALUE | Silver | HMO | $680 | $6,000 | $8,900 | $17,057 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $681 | $1,450 | $7,500 | $15,671 | |
| Ambetter (Centene) | Focused VALUE Silver | Silver | HMO | $683 | $6,300 | $8,400 | $16,599 | |
| Oscar Health | Gold Elite | Gold | EPO | $684 | $1,200 | $7,800 | $16,005 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $691 | $2,000 | $8,200 | $16,487 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $694 | $800 | $7,250 | $15,575 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ Standard | Silver | HMO | $698 | $6,000 | $8,900 | $17,280 | |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ 405 | Silver | HMO | $699 | $1,500 | $10,600 | $18,994 | |
| Oscar Health | Silver Simple Guided Care | Silver | HMO | $700 | $6,300 | $9,300 | $17,695 | |
| Ambetter (Centene) | Standard Silver VALUE + Vision + Adult Dental | Silver | HMO | $705 | $6,000 | $8,900 | $17,366 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $706 | $1,450 | $7,500 | $15,975 | |
| Oscar Health | Silver Simple Diabetes Guided Care | Silver | HMO | $708 | $6,500 | $10,000 | $18,492 | |
| Ambetter (Centene) | Focused VALUE Silver + Vision + Adult Dental | Silver | HMO | $709 | $6,300 | $8,400 | $16,909 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | HMO | $713 | $6,200 | $9,600 | $18,152 | |
| Oscar Health | Silver Simple Chronic Care CKM Guided Care | Silver | HMO | $713 | $5,900 | $10,150 | $18,708 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $714 | $550 | $10,100 | $18,667 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | HMO | $715 | $6,000 | $10,150 | $18,732 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $720 | $6,000 | $8,900 | $17,543 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $723 | $2,400 | $10,400 | $19,081 | |
| Oscar Health | Silver Classic Standard Guided Care | Silver | HMO | $725 | $6,000 | $8,900 | $17,596 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $728 | $6,000 | $8,900 | $17,638 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $729 | $2,000 | $8,200 | $16,944 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $729 | $6,000 | $8,900 | $17,647 | |
| Oscar Health | Silver Simple PCP Saver Guided Care | Silver | HMO | $730 | $5,750 | $10,150 | $18,910 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $732 | $3,000 | $8,950 | $17,732 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $732 | $6,300 | $8,400 | $17,183 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $732 | $1,700 | $10,150 | $18,934 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $739 | $5,000 | $8,650 | $17,516 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $740 | $6,000 | $8,900 | $17,779 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $743 | $7,500 | $9,500 | $18,411 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $747 | $3,500 | $9,950 | $18,912 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $749 | $3,000 | $8,950 | $17,932 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $750 | $1,850 | $9,100 | $18,099 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $754 | $3,500 | $9,950 | $19,003 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $756 | $6,000 | $8,900 | $17,967 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $759 | $6,300 | $8,400 | $17,513 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $761 | $2,000 | $8,200 | $17,327 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $767 | $5,000 | $8,650 | $17,849 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $770 | $5,750 | $10,150 | $19,389 | |
| Community Health Choice | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $775 | $6,000 | $8,900 | $18,198 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $775 | $6,000 | $8,900 | $18,202 | |
| Community Health Choice | Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $776 | $2,800 | $10,600 | $19,906 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $777 | $6,000 | $8,900 | $18,224 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $783 | $4,000 | $9,550 | $18,943 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $783 | $2,500 | $9,900 | $19,297 | |
| Oscar Health | Silver Classic | Silver | EPO | $786 | $5,500 | $8,900 | $18,328 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $848 | $6,000 | $8,900 | $19,074 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $857 | $1,450 | $10,600 | $20,886 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $865 | $1,250 | $10,500 | $20,876 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $868 | $6,000 | $8,900 | $19,316 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $889 | $0 | $10,150 | $20,822 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $443 | $489 | $558 | 29 | $7,300 | $10,150 | $16,147 |
| Silver | $653 | $740 | $889 | 43 | $6,000 | $8,950 | $18,152 |
| Gold | $605 | $655 | $761 | 38 | $1,850 | $8,200 | $15,990 |
| CatastrophicUnder 30 or hardship exemption only | $432 | $475 | $518 | 2 | $10,600 | $10,600 | $16,297 |
* 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.