What health insurance costs without a subsidy in Bandera County, Texas (2026)
In Bandera County, Texas, the benchmark silver plan costs $711.30/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $455.12 to $943.85. A 60-year-old pays at least $966.51/month, a 21-year-old at least $356.12. 4 insurers offer 54 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $356.12/mo
- Age 40 — starting at $455.12/mo
- Age 60 — starting at $966.51/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $455.12/mo
- Silver — starting at $700.03/mo
- Gold — starting at $604.06/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Oscar Insurance Company, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Bandera County (FIPS 48019).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Texas
- Callahan County — $962.55/mo benchmark
- Eastland County — $962.55/mo benchmark
- Haskell County — $962.55/mo benchmark
- Jones County — $962.55/mo benchmark
- Kent County — $962.55/mo benchmark
Plans available in this county (54)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $455.12/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $547.89/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $549.26/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $456.74/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $472.35/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $475.54/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $478.04/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $479.48/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $487.52/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $491.79/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $499.47/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $503.23/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $557.57/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $558.19/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $573.54/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $591.77/mo @ 40
- UHC Gold Standard — Gold · $604.06/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $618.14/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $620.09/mo @ 40
- Gold Classic Standard — Gold · $624.52/mo @ 40
- Gold Classic — Gold · $634.27/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $634.40/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $636.35/mo @ 40
- Gold Elite — Gold · $647.40/mo @ 40
- Standard Gold — Gold · $670.42/mo @ 40
- Everyday Gold — Gold · $673.51/mo @ 40
- Complete Gold — Gold · $685.68/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $695.36/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $698.58/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $711.21/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $757.66/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $767.80/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $773.33/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $776.86/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $807.17/mo @ 40
- UHC Silver Standard — Silver · $700.03/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care) — Silver · $711.30/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver · $712.13/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver · $727.55/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver · $728.39/mo @ 40
Showing first 40 of 54 plans on file.
Reviewed by Jason Burns, Editorial Steward.