What health insurance costs without a subsidy in Karnes County, Texas (2026)
In Karnes County, Texas, the benchmark silver plan costs $725.36/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $372.09 to $971.43. A 60-year-old pays at least $790.19/month, a 21-year-old at least $291.15. 3 insurers offer 47 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 $291.15/mo
- Age 40 — starting at $372.09/mo
- Age 60 — starting at $790.19/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $525.34/mo
- Silver — starting at $705.60/mo
- Gold — starting at $589.08/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
Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, 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 Karnes County (FIPS 48255).
- 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 (47)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $525.34/mo @ 40
- Blue Advantage Bronze HMO℠ 301 — Bronze · $558.52/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $563.89/mo @ 40
- CHRISTUS Catastrophic (3 Free PCP visits) — Catastrophic · $372.09/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $565.31/mo @ 40
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) — Expanded Bronze · $448.15/mo @ 40
- CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $454.07/mo @ 40
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $454.19/mo @ 40
- CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $466.42/mo @ 40
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $467.07/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $548.91/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $567.67/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $573.86/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $574.50/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $580.88/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $590.31/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $609.06/mo @ 40
- CHRISTUS Standard Gold ($0 Virtual Urgent Care) — Gold · $589.08/mo @ 40
- CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $597.14/mo @ 40
- CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $613.22/mo @ 40
- CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $621.27/mo @ 40
- CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $641.02/mo @ 40
- UHC Gold Standard — Gold · $697.26/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $713.52/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $715.77/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $732.28/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $734.53/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $779.81/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $788.36/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $790.23/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $795.94/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $799.54/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $830.75/mo @ 40
- CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) — Silver · $705.60/mo @ 40
- CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver · $725.36/mo @ 40
- CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Silver · $745.91/mo @ 40
- UHC Silver Standard — Silver · $808.04/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care) — Silver · $821.05/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver · $822.01/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver · $839.81/mo @ 40
Showing first 40 of 47 plans on file.
Reviewed by Jason Burns, Editorial Steward.