What health insurance costs without a subsidy in El Paso County, Texas (2026)
In El Paso County, Texas, the benchmark silver plan costs $593.53/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $375.73 to $963.15. A 60-year-old pays at least $797.92/month, a 21-year-old at least $294.00. 7 insurers offer 110 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 $294.00/mo
- Age 40 — starting at $375.73/mo
- Age 60 — starting at $797.92/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $414.04/mo
- Silver — starting at $592.60/mo
- Gold — starting at $513.56/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, Cigna Healthcare, Imperial Insurance Companies, Inc., Oscar Insurance Company, UnitedHealthcare, WellPoint
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 El Paso County (FIPS 48141).
- 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 (110)
- Imperial Preferred Bronze — Bronze · $414.04/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $481.48/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $550.89/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $432.90/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $472.28/mo @ 40
- MyBlue Health Bronze℠ Standard — Expanded Bronze · $375.73/mo @ 40
- MyBlue Health Bronze℠ 402 — Expanded Bronze · $390.20/mo @ 40
- Imperial Standard Bronze — Expanded Bronze · $442.83/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $455.62/mo @ 40
- Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $461.82/mo @ 40
- Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) — Expanded Bronze · $463.20/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $463.60/mo @ 40
- Wellpoint Essential Bronze 4000 HSA (+ Incentives) — Expanded Bronze · $475.59/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $479.42/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $479.44/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $479.97/mo @ 40
- Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $480.80/mo @ 40
- Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $484.95/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $485.21/mo @ 40
- Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $486.13/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $486.68/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $494.83/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $503.08/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $506.96/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $520.27/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $532.38/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $576.68/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $595.00/mo @ 40
- Connect Bronze 8500 Indiv Med Deductible — Expanded Bronze · $623.77/mo @ 40
- Connect Bronze 5750 Indiv Med Deductible — Expanded Bronze · $629.26/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $632.42/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $636.33/mo @ 40
- MyBlue Health Gold℠ 403 — Gold · $513.56/mo @ 40
- MyBlue Health Gold℠ Standard — Gold · $521.26/mo @ 40
- Gold Simple Guided Care — Gold · $579.47/mo @ 40
- Gold Classic Standard Guided Care — Gold · $582.45/mo @ 40
- Gold Simple Diabetes Guided Care — Gold · $585.09/mo @ 40
- Gold Classic Guided Care — Gold · $591.45/mo @ 40
- Imperial Standard Gold — Gold · $594.97/mo @ 40
- Imperial Preferred Gold Zero — Gold · $597.87/mo @ 40
Showing first 40 of 110 plans on file.
Reviewed by Jason Burns, Editorial Steward.