What health insurance costs without a subsidy in Hays County, Texas (2026)
In Hays County, Texas, the benchmark silver plan costs $609.68/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $321.51 to $1081.97. A 60-year-old pays at least $682.77/month, a 21-year-old at least $251.57. 9 insurers offer 102 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 $251.57/mo
- Age 40 — starting at $321.51/mo
- Age 60 — starting at $682.77/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $450.19/mo
- Silver — starting at $607.90/mo
- Gold — starting at $509.00/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, CHRISTUS Health Plan, Harbor Health, Imperial Insurance Companies, Inc., Moda Health Plan, Inc., Oscar Insurance Company, Sendero Health Plans, Local Nonprofit, 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 Hays County (FIPS 48209).
- 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 (102)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $450.19/mo @ 40
- Imperial Preferred Bronze — Bronze · $466.37/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $628.06/mo @ 40
- CHRISTUS Catastrophic (3 Free PCP visits) — Catastrophic · $321.51/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $629.62/mo @ 40
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) — Expanded Bronze · $387.22/mo @ 40
- CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $392.34/mo @ 40
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $392.45/mo @ 40
- CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $403.01/mo @ 40
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $403.57/mo @ 40
- Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist — Expanded Bronze · $432.65/mo @ 40
- Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs — Expanded Bronze · $459.23/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $470.39/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $486.46/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $497.78/mo @ 40
- Imperial Standard Bronze — Expanded Bronze · $498.80/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $532.85/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $551.06/mo @ 40
- Moda Select Texas Bronze 8700 ($0 Virtual Urgent Care through CirrusMD) — Expanded Bronze · $553.37/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $557.69/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $559.38/mo @ 40
- Moda Select Texas Standard Bronze — Expanded Bronze · $567.39/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $568.75/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $582.69/mo @ 40
- Moda Select Texas Bronze HDHP 7500 — Expanded Bronze · $590.71/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $639.13/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $639.86/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $657.48/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $678.36/mo @ 40
- CHRISTUS Standard Gold ($0 Virtual Urgent Care) — Gold · $509.00/mo @ 40
- CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $515.97/mo @ 40
- CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $529.86/mo @ 40
- CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $536.81/mo @ 40
- CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $553.88/mo @ 40
- Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care — Gold · $570.81/mo @ 40
- Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugs — Gold · $577.31/mo @ 40
- Sendero Health Real Gold / $350 Deductible — Gold · $587.09/mo @ 40
- UHC Gold Standard — Gold · $597.51/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $611.45/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $613.38/mo @ 40
Showing first 40 of 102 plans on file.
Reviewed by Jason Burns, Editorial Steward.