Health insurance prices in Polk County, TX (2026)
36 marketplace plans from 3 insurers. Cheapest plan $443/mo; typical Silver $722/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 4.
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–$582 (typical $480) · Silver $695–$929 (typical $722) · Gold $587–$794 (typical $624) · Catastrophic $438–$438 (typical $438)
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 |
|---|---|---|---|---|---|---|---|
| Community Health Choice | 6 | $443 | $450 | $695 | $589 | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | |
| UnitedHealthcareUnitedHealth Group | 14 | $459 | $488 | $718 | $625 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Blue Cross and Blue Shield of TexasHCSC (Blue Cross Blue Shield company) | 16 | $444 | $539 | $903 | $755 | Blue Advantage Bronze HMO℠ Standard |
All 36 plans in Polk County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ 200 | Catastrophic | HMO | $438 | $10,600 | $10,600 | $15,852 | |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Expanded Bronze | HMO | $443 | $8,500 | $10,600 | $15,920 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ Standard | Expanded Bronze | HMO | $444 | $7,500 | $10,000 | $15,331 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ 204 | Expanded Bronze | HMO | $445 | $6,000 | $10,150 | $15,487 | |
| 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 | $457 | $7,500 | $10,000 | $15,480 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $459 | $10,600 | $10,600 | $16,108 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $480 | $7,500 | $10,000 | $15,755 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $496 | $7,500 | $10,000 | $15,952 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $508 | $0 | $10,600 | $16,690 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 305 | Bronze | POS | $539 | $7,300 | $10,600 | $17,069 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ Standard | Expanded Bronze | POS | $564 | $7,500 | $10,000 | $16,772 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ 303 | Expanded Bronze | POS | $582 | $7,000 | $10,150 | $17,137 | |
| Community Health Choice | Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $587 | $2,000 | $8,200 | $15,244 | |
| Community Health Choice | Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | $592 | $2,500 | $7,500 | $14,598 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ 206 | Gold | HMO | $604 | $550 | $10,100 | $17,345 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $609 | $2,000 | $8,200 | $15,511 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ Standard | Gold | HMO | $616 | $2,000 | $8,200 | $15,594 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $623 | $0 | $7,800 | $15,281 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Gold | HMO | $625 | $1,000 | $7,500 | $15,005 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $640 | $0 | $7,800 | $15,478 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Gold | HMO | $642 | $1,000 | $7,500 | $15,201 | |
| Community Health Choice | Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $695 | $6,000 | $8,900 | $17,238 | |
| Community Health Choice | Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Silver | HMO | $695 | $2,800 | $10,600 | $18,945 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $706 | $6,000 | $8,900 | $17,372 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ Standard | Silver | HMO | $717 | $6,000 | $8,900 | $17,504 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care) | Silver | HMO | $717 | $3,000 | $8,950 | $17,559 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $718 | $3,500 | $9,200 | $17,819 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ 205 | Silver | HMO | $725 | $1,450 | $10,600 | $19,299 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $734 | $3,000 | $8,950 | $17,755 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $735 | $3,500 | $9,200 | $18,015 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 803 | Gold | POS | $755 | $2,400 | $10,400 | $19,465 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ 203 | Gold | POS | $764 | $1,700 | $10,150 | $19,322 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ Standard | Gold | POS | $794 | $2,000 | $8,200 | $17,730 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 202 | Silver | POS | $903 | $1,250 | $10,500 | $21,335 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ Standard | Silver | POS | $906 | $6,000 | $8,900 | $19,776 | |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ 605 | Silver | POS | $929 | $0 | $10,150 | $21,294 |
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 | $480 | $582 | 11 | $7,500 | $10,150 | $15,952 |
| Silver | $695 | $722 | $929 | 12 | $3,250 | $9,075 | $17,917 |
| Gold | $587 | $624 | $794 | 12 | $1,850 | $8,200 | $15,494 |
| CatastrophicUnder 30 or hardship exemption only | $438 | $438 | $438 | 1 | $10,600 | $10,600 | $15,852 |
* 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.