What health insurance costs without a subsidy in Cooke County, Texas (2026)
In Cooke County, Texas, the benchmark silver plan costs $739.33/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $474.98 to $967.22. A 60-year-old pays at least $1008.69/month, a 21-year-old at least $371.67. 5 insurers offer 69 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 $371.67/mo
- Age 40 — starting at $474.98/mo
- Age 60 — starting at $1008.69/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $555.83/mo
- Silver — starting at $731.49/mo
- Gold — starting at $627.81/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, Molina Healthcare, 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 Cooke County (FIPS 48097).
- 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 (69)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $555.83/mo @ 40
- Blue Advantage Bronze HMO℠ 301 — Bronze · $556.08/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $561.45/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $562.83/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $474.98/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $491.22/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $497.13/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $498.63/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $506.99/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $519.42/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $571.34/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $571.98/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $580.77/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $587.74/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $600.62/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $606.41/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $614.59/mo @ 40
- Molina Gold Saver 750 — Gold · $627.81/mo @ 40
- Molina Gold Core 1640 — Gold · $627.96/mo @ 40
- Molina Gold Saver 750 Pluswith Adult Vision — Gold · $632.24/mo @ 40
- Molina Gold Core 1640 Pluswith Adult Vision — Gold · $632.39/mo @ 40
- Molina Gold Saver 750 Pluswith Adult Dental and Vision — Gold · $647.66/mo @ 40
- Molina Gold Core 1640 Pluswith Adult Dental and Vision — Gold · $647.80/mo @ 40
- Gold Classic Standard — Gold · $649.45/mo @ 40
- Molina Gold Standard — Gold · $650.92/mo @ 40
- Gold Classic — Gold · $659.60/mo @ 40
- Gold Elite — Gold · $673.25/mo @ 40
- UHC Gold Standard — Gold · $737.73/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $754.93/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $757.31/mo @ 40
- Standard Gold — Gold · $771.97/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $774.78/mo @ 40
- Everyday Gold — Gold · $775.54/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $776.39/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $777.16/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $784.91/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $786.80/mo @ 40
- Complete Gold — Gold · $789.55/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $792.45/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $796.08/mo @ 40
Showing first 40 of 69 plans on file.
Reviewed by Jason Burns, Editorial Steward.