What health insurance costs without a subsidy in Llano County, Texas (2026)
In Llano County, Texas, the benchmark silver plan costs $699.34/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $437.20 to $1081.97. A 60-year-old pays at least $928.46/month, a 21-year-old at least $342.10. 5 insurers offer 64 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 $342.10/mo
- Age 40 — starting at $437.20/mo
- Age 60 — starting at $928.46/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $450.19/mo
- Silver — starting at $692.45/mo
- Gold — starting at $583.79/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, Oscar Insurance Company, 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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Llano County (FIPS 48299).
- 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 (64)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $450.19/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $628.06/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $629.62/mo @ 40
- BSW Savers Bronze HMO H S A 006 — Expanded Bronze · $437.20/mo @ 40
- BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) — Expanded Bronze · $444.20/mo @ 40
- BSW Savers Bronze HMO H S A 009 — Expanded Bronze · $449.40/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
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $532.85/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $551.06/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $557.69/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $559.38/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $568.75/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $582.69/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
- BSW Elite Gold HMO 004 — Gold · $583.79/mo @ 40
- BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) — Gold · $583.86/mo @ 40
- UHC Gold Standard — Gold · $597.51/mo @ 40
- BSW Elite Gold HMO 012 — Gold · $609.63/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $611.45/mo @ 40
- BSW Diabetes Care Gold HMO 014 — Gold · $613.16/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $613.38/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $627.52/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $629.45/mo @ 40
- Gold Classic Standard — Gold · $728.58/mo @ 40
- Gold Classic — Gold · $739.95/mo @ 40
- Standard Gold — Gold · $746.55/mo @ 40
- Everyday Gold — Gold · $750.00/mo @ 40
- Gold Elite — Gold · $755.27/mo @ 40
- Complete Gold — Gold · $763.55/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $774.33/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $777.91/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $791.98/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $868.50/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $880.15/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $886.47/mo @ 40
Showing first 40 of 64 plans on file.
Reviewed by Jason Burns, Editorial Steward.