What health insurance costs without a subsidy in Cherokee County, Texas (2026)
In Cherokee County, Texas, the benchmark silver plan costs $672.12/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $354.44 to $899.51. A 60-year-old pays at least $752.70/month, a 21-year-old at least $277.34. 4 insurers offer 61 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 $277.34/mo
- Age 40 — starting at $354.44/mo
- Age 60 — starting at $752.70/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $496.48/mo
- Silver — starting at $652.85/mo
- Gold — starting at $561.13/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, CHRISTUS Health Plan, 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 Cherokee County (FIPS 48073).
- 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 (61)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $496.48/mo @ 40
- Blue Advantage Bronze HMO℠ 301 — Bronze · $517.16/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $522.15/mo @ 40
- CHRISTUS Catastrophic (3 Free PCP visits) — Catastrophic · $354.44/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $523.44/mo @ 40
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) — Expanded Bronze · $426.88/mo @ 40
- CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $432.52/mo @ 40
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $432.64/mo @ 40
- CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $444.29/mo @ 40
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $444.91/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $518.75/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $531.35/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $531.95/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $536.48/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $546.60/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $548.96/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $563.97/mo @ 40
- CHRISTUS Standard Gold ($0 Virtual Urgent Care) — Gold · $561.13/mo @ 40
- CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $568.81/mo @ 40
- CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $584.12/mo @ 40
- CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $591.79/mo @ 40
- CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $610.60/mo @ 40
- Standard Gold — Gold · $621.96/mo @ 40
- Everyday Gold — Gold · $624.83/mo @ 40
- Complete Gold — Gold · $636.11/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $645.10/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $648.08/mo @ 40
- UHC Gold Standard — Gold · $658.95/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $659.80/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $674.31/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $676.44/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $692.04/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $694.17/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $722.04/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $729.97/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $731.72/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $736.98/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $740.36/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $769.25/mo @ 40
- CHRISTUS Value Silver 70 ($0 Virtual Urgent Care) — Silver · $652.85/mo @ 40
Showing first 40 of 61 plans on file.
Reviewed by Jason Burns, Editorial Steward.