What health insurance costs without a subsidy in Ellis County, Texas (2026)
In Ellis County, Texas, the benchmark silver plan costs $692.56/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $411.53 to $1033.42. A 60-year-old pays at least $873.94/month, a 21-year-old at least $322.01. 8 insurers offer 119 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 $322.01/mo
- Age 40 — starting at $411.53/mo
- Age 60 — starting at $873.94/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $551.46/mo
- Silver — starting at $688.04/mo
- Gold — starting at $588.29/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, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas, Cigna Healthcare, Molina Healthcare, 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 Ellis County (FIPS 48139).
- 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 (119)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $551.46/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $599.88/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $411.53/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $601.41/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $433.14/mo @ 40
- Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $439.02/mo @ 40
- Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) — Expanded Bronze · $440.33/mo @ 40
- BSW Savers Bronze HMO H S A 006 — Expanded Bronze · $441.79/mo @ 40
- BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) — Expanded Bronze · $448.86/mo @ 40
- Wellpoint Essential Bronze 4000 HSA (+ Incentives) — Expanded Bronze · $452.12/mo @ 40
- BSW Savers Bronze HMO H S A 009 — Expanded Bronze · $454.11/mo @ 40
- Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $457.06/mo @ 40
- Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $461.01/mo @ 40
- Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $462.14/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $476.41/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $492.70/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $498.62/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $500.13/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $508.51/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $520.98/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $576.20/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $595.89/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $609.76/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $610.50/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $611.20/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $627.97/mo @ 40
- Connect Bronze DFW 8500 Indiv Med Deductible — Expanded Bronze · $634.77/mo @ 40
- Connect Bronze DFW 6000 Indiv Med Deductible — Expanded Bronze · $639.13/mo @ 40
- Connect myDiabetesCare Bronze DFW — Expanded Bronze · $643.58/mo @ 40
- Connect Bronze DFW CMS Standard — Expanded Bronze · $647.55/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $647.92/mo @ 40
- Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $588.29/mo @ 40
- BSW Elite Gold HMO 004 — Gold · $589.92/mo @ 40
- BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) — Gold · $589.99/mo @ 40
- Molina Gold Saver 750 — Gold · $590.52/mo @ 40
- Molina Gold Core 1640 — Gold · $590.66/mo @ 40
- Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $590.79/mo @ 40
- Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $591.79/mo @ 40
- Molina Gold Saver 750 Pluswith Adult Vision — Gold · $594.69/mo @ 40
- Molina Gold Core 1640 Pluswith Adult Vision — Gold · $594.83/mo @ 40
Showing first 40 of 119 plans on file.
Reviewed by Jason Burns, Editorial Steward.