What health insurance costs without a subsidy in Houston County, Texas (2026)
In Houston County, Texas, the benchmark silver plan costs $648.23/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $437.65 to $928.67. A 60-year-old pays at least $929.41/month, a 21-year-old at least $342.45. 3 insurers offer 42 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 $342.45/mo
- Age 40 — starting at $437.65/mo
- Age 60 — starting at $929.41/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $459.01/mo
- Silver — starting at $644.93/mo
- Gold — starting at $589.65/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, 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 Houston County (FIPS 48225).
- 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 (42)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $459.01/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $539.07/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $437.65/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $444.27/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $444.77/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $479.61/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $496.00/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $507.54/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $564.33/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $582.24/mo @ 40
- Standard Gold — Gold · $589.65/mo @ 40
- Everyday Gold — Gold · $592.37/mo @ 40
- Complete Gold — Gold · $603.07/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $603.71/mo @ 40
- UHC Gold Standard — Gold · $609.23/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $611.59/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $614.42/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $616.20/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $623.43/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $625.40/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $625.52/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $639.82/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $641.79/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $755.45/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $764.36/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $794.19/mo @ 40
- Standard Silver — Silver · $644.93/mo @ 40
- Focused Silver — Silver · $648.23/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $654.33/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $669.16/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $672.60/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $678.92/mo @ 40
- UHC Silver Standard — Silver · $706.02/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $716.97/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care) — Silver · $717.39/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver · $718.22/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $724.88/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver · $733.78/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver · $734.62/mo @ 40
- Blue Advantage Plus Silver℠ 202 — Silver · $902.88/mo @ 40
Showing first 40 of 42 plans on file.
Reviewed by Jason Burns, Editorial Steward.