What health insurance costs without a subsidy in Galveston County, Texas (2026)
In Galveston County, Texas, the benchmark silver plan costs $697.01/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $465.85 to $1210.62. A 60-year-old pays at least $989.30/month, a 21-year-old at least $364.53. 5 insurers offer 61 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 $364.53/mo
- Age 40 — starting at $465.85/mo
- Age 60 — starting at $989.30/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $488.69/mo
- Silver — starting at $681.44/mo
- Gold — starting at $636.97/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, Community Health Choice, 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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Galveston County (FIPS 48167).
- 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 (61)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $488.69/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $702.75/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $572.84/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $465.85/mo @ 40
- UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded — Expanded Bronze · $475.67/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $481.77/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $487.57/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $489.04/mo @ 40
- UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — Expanded Bronze · $491.79/mo @ 40
- Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $494.17/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $497.24/mo @ 40
- Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $509.08/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $509.43/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $510.61/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $528.06/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $581.49/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $582.15/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $735.66/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $759.03/mo @ 40
- Gold Classic Standard — Gold · $636.97/mo @ 40
- Gold Classic — Gold · $646.92/mo @ 40
- UHC Gold Standard — Gold · $648.61/mo @ 40
- UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) — Gold · $648.80/mo @ 40
- Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $654.37/mo @ 40
- Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $659.35/mo @ 40
- Gold Elite — Gold · $660.31/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $665.83/mo @ 40
- UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) — Gold · $666.25/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $683.28/mo @ 40
- Standard Gold — Gold · $722.35/mo @ 40
- Everyday Gold — Gold · $725.69/mo @ 40
- Complete Gold — Gold · $738.80/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $749.23/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $752.70/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $766.31/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $790.19/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $806.53/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $984.81/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $996.43/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $1035.31/mo @ 40
Showing first 40 of 61 plans on file.
Reviewed by Jason Burns, Editorial Steward.