What health insurance costs without a subsidy in Harris County, Texas (2026)

In Harris County, Texas, the benchmark silver plan costs $592.05/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $374.51 to $1210.62. A 60-year-old pays at least $795.32/month, a 21-year-old at least $293.04. 7 insurers offer 121 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Harris 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 $293.04/mo
Age 40 — starting at $374.51/mo
Age 60 — starting at $795.32/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $385.28/mo
Silver — starting at $586.21/mo
Gold — starting at $501.60/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, 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.

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

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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 Harris County (FIPS 48201).
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 (121)

Imperial Preferred Bronze — Bronze · $385.28/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $488.69/mo @ 40
Blue Advantage Plus Bronze℠ 305 — Bronze · $702.75/mo @ 40
Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $449.09/mo @ 40
Blue Advantage Security HMO℠ 200 — Catastrophic · $572.84/mo @ 40
Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $374.51/mo @ 40
Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $396.76/mo @ 40
MyBlue Health Bronze℠ Standard — Expanded Bronze · $403.26/mo @ 40
Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $410.63/mo @ 40
Imperial Standard Bronze — Expanded Bronze · $412.06/mo @ 40
MyBlue Health Bronze℠ 402 — Expanded Bronze · $418.79/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $465.85/mo @ 40
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $472.67/mo @ 40
UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded — Expanded Bronze · $475.67/mo @ 40
Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $479.10/mo @ 40
Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) — Expanded Bronze · $480.53/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
Wellpoint Essential Bronze 4000 HSA (+ Incentives) — Expanded Bronze · $493.38/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
Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $498.78/mo @ 40
Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $503.08/mo @ 40
Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $504.32/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
Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $501.60/mo @ 40
Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $513.86/mo @ 40
Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $518.79/mo @ 40
Standard Gold VALUE — Gold · $541.33/mo @ 40
MyBlue Health Gold℠ 403 — Gold · $551.20/mo @ 40
Complete VALUE Gold — Gold · $553.54/mo @ 40

Showing first 40 of 121 plans on file. Every remaining plan is listed below.

All other plans in Harris County

Imperial Standard Gold — Gold
Imperial Preferred Gold Zero — Gold
Imperial Preferred Gold — Gold
MyBlue Health Gold℠ Standard — Gold
Gold Simple Guided Care — Gold
Gold Classic Standard Guided Care — Gold
Gold Simple Diabetes Guided Care — Gold
Gold Classic Guided Care — Gold
Gold Classic Standard — Gold
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Gold Classic — Gold
UHC Gold Standard — Gold
UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) — Gold
Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold
Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold
Gold Elite — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold
UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) — Gold
Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) — 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
UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
Standard Gold — Gold
Everyday Gold — Gold
Complete Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold + Vision + Adult Dental — Gold
Blue Advantage Gold HMO℠ 206 — Gold
Blue Advantage Gold HMO℠ Standard — Gold
Blue Advantage Plus Gold℠ 803 — Gold
Blue Advantage Plus Gold℠ 203 — Gold
Blue Advantage Plus Gold℠ Standard — Gold
Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Standard Silver VALUE — Silver
Focused VALUE Silver — Silver
Imperial Standard Silver — Silver
Standard Silver VALUE + Vision + Adult Dental — Silver
Community Ultra Select Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Community Ultra Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Focused VALUE Silver + Vision + Adult Dental — Silver
Imperial Preferred Silver — Silver
MyBlue Health Silver℠ Standard — Silver
MyBlue Health Silver℠ 405 — Silver
UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded — Silver
Silver Simple Guided Care — Silver
UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — Silver
Silver Simple Diabetes Guided Care — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care — Silver
Silver Simple Chronic Care CKM Guided Care — Silver
Silver Simple Women's Health with Menopause Benefits Guided Care — Silver
Silver Classic Standard Guided Care — Silver
Silver Simple PCP Saver Guided Care — Silver
Silver Simple PCP Saver — Silver
Silver Classic Standard — Silver
UHC Silver Standard — Silver
Silver Classic — Silver
UHC Silver Value ($0 Virtual Urgent Care) — Silver
Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Standard Silver — Silver
Focused Silver — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — 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
Standard Silver + Vision + Adult Dental — Silver
Focused Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — 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