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. 2027 plans for Ellis County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

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.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

Estimate your own number →

Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Ellis County (FIPS 48139).
HealthCare.gov (opens in new tab) — 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

All Texas counties →

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. Every remaining plan is listed below.

All other plans in Ellis County

Gold Simple Guided Care — Gold
Molina Gold Saver 750 Pluswith Adult Dental and Vision — Gold
Molina Gold Core 1640 Pluswith Adult Dental and Vision — Gold
Gold Classic Standard Guided Care — Gold
Molina Gold Standard — Gold
Gold Simple Diabetes Guided Care — Gold
BSW Elite Gold HMO 012 — Gold
Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
BSW Diabetes Care Gold HMO 014 — Gold
Gold Classic Guided Care — Gold
Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Gold Classic Standard — Gold
Gold Classic — Gold
Gold Elite — Gold
UHC Gold Standard — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold
UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
Connect Gold DFW 2800 Indiv Med Deductible — Gold
Connect Gold DFW CMS Standard — Gold
Connect myDiabetesCare Gold DFW — Gold
Connect Gold DFW 1400 Indiv Med Deductible — Gold
Blue Advantage Gold HMO℠ 206 — Gold
Blue Advantage Plus Gold℠ 803 — Gold
Blue Advantage Gold HMO℠ Standard — Gold
Standard Gold — Gold
Blue Advantage Plus Gold℠ 203 — Gold
Everyday Gold — Gold
Complete Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Blue Advantage Plus Gold℠ Standard — Gold
Complete Gold + Vision + Adult Dental — Gold
Molina Silver Saver with Four Free PCP Visits — Silver
Silver Simple Guided Care — Silver
Molina Silver Core — Silver
Molina Silver Standard — Silver
Molina Silver Core Pluswith Adult Vision — Silver
Silver Simple Diabetes Guided Care — Silver
Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care — Silver
Silver Simple Chronic Care CKM Guided Care — Silver
BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) — Silver
BSW Prime Silver HMO 005 — Silver
BSW Prime Silver HMO 008 — Silver
Silver Simple Women's Health with Menopause Benefits Guided Care — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Molina Silver Core Pluswith Adult Dental and Vision — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Classic Standard Guided Care — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Simple PCP Saver Guided Care — Silver
Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Simple PCP Saver — Silver
Silver Classic Standard — Silver
Silver Classic — Silver
UHC Silver Standard — Silver
UHC Silver Value ($0 Virtual Urgent Care) — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
Standard Silver — Silver
Focused Silver — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Standard Silver + Vision + Adult Dental — Silver
Connect Silver DFW 4000 Indiv Med Deductible — Silver
Focused Silver + Vision + Adult Dental — Silver
Connect Silver DFW 3000 Indiv Med Deductible — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Connect Silver DFW CMS Standard — Silver
Blue Advantage Silver HMO℠ Standard — Silver
Blue Advantage Silver HMO℠ 205 — Silver
Blue Advantage Plus Silver℠ 202 — Silver
Blue Advantage Plus Silver℠ Standard — Silver
Blue Advantage Plus Silver℠ 605 — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Texas (License #3124008) · reviewed Jul 26, 2026