What health insurance costs without a subsidy in Franklin County, Texas (2026)
In Franklin County, Texas, the benchmark silver plan costs $725.13/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $371.97 to $889.50. A 60-year-old pays at least $789.94/month, a 21-year-old at least $291.06. 3 insurers offer 47 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 $291.06/mo
- Age 40 — starting at $371.97/mo
- Age 60 — starting at $789.94/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $486.76/mo
- Silver — starting at $705.37/mo
- Gold — starting at $588.89/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
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 Franklin County (FIPS 48159).
- 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 (47)
- Blue Advantage Bronze HMO℠ 301 — Bronze · $486.76/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $516.34/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $525.00/mo @ 40
- CHRISTUS Catastrophic (3 Free PCP visits) — Catastrophic · $371.97/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $492.67/mo @ 40
- CHRISTUS Value Bronze (3 Free PCP Visits, $0 Virtual Urgent Care) — Expanded Bronze · $421.57/mo @ 40
- CHRISTUS Value Bronze + Dental & Vision (3 Free PCP Visits, $0 Virtual Urgent Care) — Expanded Bronze · $434.82/mo @ 40
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) — Expanded Bronze · $448.00/mo @ 40
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $454.04/mo @ 40
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $466.92/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $500.12/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $500.68/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $540.52/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $548.55/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $557.68/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $567.29/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $580.49/mo @ 40
- CHRISTUS Standard Gold ($0 Virtual Urgent Care) — Gold · $588.89/mo @ 40
- CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $596.95/mo @ 40
- CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $613.02/mo @ 40
- CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $621.07/mo @ 40
- CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $640.81/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $679.60/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $687.07/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $693.66/mo @ 40
- UHC Gold Standard — Gold · $696.80/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $713.05/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $715.30/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $723.58/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $731.80/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $732.12/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $734.05/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $760.68/mo @ 40
- CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) — Silver · $705.37/mo @ 40
- CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver · $725.13/mo @ 40
- CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver · $745.67/mo @ 40
- Blue Advantage Silver HMO℠ 801 — Silver · $799.12/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $807.11/mo @ 40
- UHC Silver Standard — Silver · $807.51/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $816.02/mo @ 40
Showing first 40 of 47 plans on file.
Reviewed by Jason Burns, Editorial Steward.