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.
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.
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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 Harris County (FIPS 48201).
- 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 (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.
Reviewed by Jason Burns, Editorial Steward.