What health insurance costs without a subsidy in Hill County, Texas (2026)
In Hill County, Texas, the benchmark silver plan costs $724.36/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $475.00 to $1024.28. A 60-year-old pays at least $1008.72/month, a 21-year-old at least $371.67. 3 insurers offer 38 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 $371.67/mo
- Age 40 — starting at $475.00/mo
- Age 60 — starting at $1008.72/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $594.58/mo
- Silver — starting at $720.67/mo
- Gold — starting at $634.26/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, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas
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 Hill County (FIPS 48217).
- 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 (38)
- Blue Advantage Plus Bronze℠ 305 — Bronze · $594.58/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $530.49/mo @ 40
- BSW Savers Bronze HMO H S A 006 — Expanded Bronze · $475.00/mo @ 40
- BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) — Expanded Bronze · $482.60/mo @ 40
- BSW Savers Bronze HMO H S A 009 — Expanded Bronze · $488.24/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $538.51/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $539.12/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $622.41/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $642.20/mo @ 40
- BSW Elite Gold HMO 004 — Gold · $634.26/mo @ 40
- BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) — Gold · $634.33/mo @ 40
- Standard Gold — Gold · $658.90/mo @ 40
- Everyday Gold — Gold · $661.94/mo @ 40
- BSW Elite Gold HMO 012 — Gold · $662.33/mo @ 40
- BSW Diabetes Care Gold HMO 014 — Gold · $666.17/mo @ 40
- Complete Gold — Gold · $673.90/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $683.41/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $686.57/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $698.99/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $731.77/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $746.91/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $833.22/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $843.05/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $875.94/mo @ 40
- Standard Silver — Silver · $720.67/mo @ 40
- Focused Silver — Silver · $724.36/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $731.17/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $747.75/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $751.59/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $758.66/mo @ 40
- BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) — Silver · $759.80/mo @ 40
- BSW Prime Silver HMO 005 — Silver · $760.10/mo @ 40
- BSW Prime Silver HMO 008 — Silver · $760.70/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $869.07/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $878.65/mo @ 40
- Blue Advantage Plus Silver℠ 202 — Silver · $995.82/mo @ 40
- Blue Advantage Plus Silver℠ Standard — Silver · $999.66/mo @ 40
- Blue Advantage Plus Silver℠ 605 — Silver · $1024.28/mo @ 40
Reviewed by Jason Burns, Editorial Steward.