What health insurance costs without a subsidy in McMullen County, Texas (2026)
In McMullen County, Texas, the benchmark silver plan costs $735.29/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $457.56 to $1027.61. A 60-year-old pays at least $971.69/month, a 21-year-old at least $358.04. 3 insurers offer 45 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 $358.04/mo
- Age 40 — starting at $457.56/mo
- Age 60 — starting at $971.69/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $574.02/mo
- Silver — starting at $730.31/mo
- Gold — starting at $625.63/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, 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.
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 McMullen County (FIPS 48311).
- 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 (45)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $574.02/mo @ 40
- Blue Advantage Bronze HMO℠ 301 — Bronze · $590.82/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $596.51/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $597.99/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $457.56/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $473.20/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $478.89/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $480.34/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $488.39/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $500.36/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $599.77/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $607.02/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $607.71/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $620.27/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $624.44/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $634.70/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $644.28/mo @ 40
- Gold Classic Standard — Gold · $625.63/mo @ 40
- Gold Classic — Gold · $635.40/mo @ 40
- Gold Elite — Gold · $648.56/mo @ 40
- UHC Gold Standard — Gold · $761.87/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $779.64/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $782.10/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $800.14/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $802.59/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $824.87/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $833.93/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $835.93/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $841.95/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $845.79/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $878.80/mo @ 40
- Silver Simple PCP Saver — Silver · $730.31/mo @ 40
- Silver Classic Standard — Silver · $735.29/mo @ 40
- Silver Classic — Silver · $745.23/mo @ 40
- UHC Silver Standard — Silver · $882.92/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care) — Silver · $897.13/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver · $898.18/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver · $917.63/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver · $918.68/mo @ 40
- Blue Advantage Silver HMO℠ 801 — Silver · $969.94/mo @ 40
Showing first 40 of 45 plans on file.
Reviewed by Jason Burns, Editorial Steward.