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. 2027 plans for Hays 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 $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.

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 Hays County (FIPS 48209).
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 (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. Every remaining plan is listed below.

All other plans in Hays County

UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
Harbor Health G1S $30 PCP $30 Mental Health Office Visit $30 Express Care — Gold
Gold Simple Guided Care — Gold
Gold Classic Standard Guided Care — Gold
Gold Simple Diabetes Guided Care — Gold
Gold Classic Guided Care — Gold
Imperial Standard Gold — Gold
Imperial Preferred Gold Zero — Gold
Imperial Preferred Gold — Gold
Gold Classic Standard — Gold
Gold Classic — Gold
Standard Gold — Gold
Everyday Gold — Gold
Gold Elite — Gold
Complete Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Moda Select Texas Standard Gold — Gold
Complete Gold + Vision + Adult Dental — Gold
Blue Advantage Gold HMO℠ 206 — Gold
Blue Advantage Plus Gold℠ 803 — Gold
Blue Advantage Gold HMO℠ Standard — Gold
Blue Advantage Plus Gold℠ 203 — Gold
Blue Advantage Plus Gold℠ Standard — Gold
Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs — Silver
CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) — Silver
Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugs — Silver
CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver
CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver
Harbor Health S1 $0 PCP $0 Mental Health Office Visit $0 Express Care — Silver
Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible — Silver
UHC Silver Standard — Silver
UHC Silver Value ($0 Virtual Urgent Care) — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
Silver Simple Guided Care — Silver
Harbor Health S1S $40 PCP $40 Mental Health Office Visit $40 Express Care — Silver
Imperial Standard Silver — 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
Imperial Preferred Silver — Silver
Silver Classic Standard Guided Care — Silver
Silver Simple PCP Saver Guided Care — Silver
Standard Silver — Silver
Focused Silver — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Standard Silver + Vision + Adult Dental — Silver
Silver Simple PCP Saver — Silver
Focused Silver + Vision + Adult Dental — Silver
Silver Classic Standard — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Silver Classic — Silver
Moda Select Texas Standard Silver — 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