What health insurance costs without a subsidy in Loving County, Texas (2026)
In Loving County, Texas, the benchmark silver plan costs $697.16/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $420.45 to $823.28. A 60-year-old pays at least $892.88/month, a 21-year-old at least $328.99. 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 $328.99/mo
- Age 40 — starting at $420.45/mo
- Age 60 — starting at $892.88/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $420.45/mo
- Silver — starting at $690.25/mo
- Gold — starting at $587.02/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
Baylor Scott and White Health Plan, 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 Loving County (FIPS 48301).
- 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)
- Blue Advantage Bronze HMO℠ 301 — Bronze · $420.45/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $429.24/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $514.41/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $425.55/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $431.99/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $432.48/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $449.34/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $463.62/mo @ 40
- BSW Savers Bronze HMO H S A 006 — Expanded Bronze · $480.79/mo @ 40
- BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) — Expanded Bronze · $488.49/mo @ 40
- BSW Savers Bronze HMO H S A 009 — Expanded Bronze · $494.20/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $537.49/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $555.86/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $568.79/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $587.02/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $593.46/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $599.16/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $601.53/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $608.62/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $632.38/mo @ 40
- BSW Elite Gold HMO 004 — Gold · $642.00/mo @ 40
- BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) — Gold · $642.07/mo @ 40
- BSW Elite Gold HMO 012 — Gold · $670.41/mo @ 40
- UHC Gold Standard — Gold · $682.75/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $698.67/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $700.88/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $717.04/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $719.25/mo @ 40
- Blue Advantage Silver HMO℠ 801 — Silver · $690.25/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $697.16/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $704.84/mo @ 40
- Blue Advantage Plus Silver℠ 202 — Silver · $718.91/mo @ 40
- Blue Advantage Plus Silver℠ Standard — Silver · $721.69/mo @ 40
- Blue Advantage Plus Silver℠ 605 — Silver · $739.46/mo @ 40
- BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) — Silver · $769.07/mo @ 40
- BSW Prime Silver HMO 005 — Silver · $769.37/mo @ 40
- BSW Prime Silver HMO 008 — Silver · $769.98/mo @ 40
- UHC Silver Standard — Silver · $791.23/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care) — Silver · $803.97/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver · $804.91/mo @ 40
Showing first 40 of 42 plans on file.
Reviewed by Jason Burns, Editorial Steward.