What health insurance costs without a subsidy in Montgomery County, Texas (2026)

In Montgomery County, Texas, the benchmark silver plan costs $667.85/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $431.99 to $889.33. A 60-year-old pays at least $917.39/month, a 21-year-old at least $338.02. 7 insurers offer 112 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Montgomery County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

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 $338.02/mo
Age 40 — starting at $431.99/mo
Age 60 — starting at $917.39/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $462.81/mo
Silver — starting at $652.92/mo
Gold — starting at $605.24/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, Community Health Choice, Imperial Insurance Companies, Inc., Oscar Insurance Company, UnitedHealthcare, WellPoint

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.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

Estimate your own number →

Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Montgomery County (FIPS 48339).
HealthCare.gov (opens in new tab) — 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

All Texas counties →

Plans available in this county (112)

Imperial Preferred Bronze — Bronze · $462.81/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $468.24/mo @ 40
Blue Advantage Plus Bronze℠ 305 — Bronze · $516.25/mo @ 40
Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $431.99/mo @ 40
Blue Advantage Security HMO℠ 200 — Catastrophic · $517.54/mo @ 40
MyBlue Health Bronze℠ Standard — Expanded Bronze · $442.79/mo @ 40
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $454.69/mo @ 40
UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded — Expanded Bronze · $455.77/mo @ 40
MyBlue Health Bronze℠ 402 — Expanded Bronze · $459.85/mo @ 40
Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $460.86/mo @ 40
Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) — Expanded Bronze · $462.24/mo @ 40
UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — Expanded Bronze · $471.21/mo @ 40
Wellpoint Essential Bronze 4000 HSA (+ Incentives) — Expanded Bronze · $474.60/mo @ 40
Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $479.80/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $482.37/mo @ 40
Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $483.94/mo @ 40
Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $485.13/mo @ 40
UHC Bronze Standard — Expanded Bronze · $489.24/mo @ 40
Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $494.37/mo @ 40
Imperial Standard Bronze — Expanded Bronze · $494.99/mo @ 40
Bronze Classic Standard — Expanded Bronze · $498.85/mo @ 40
Bronze Classic 4700 — Expanded Bronze · $504.86/mo @ 40
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $505.96/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $506.38/mo @ 40
Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $509.29/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $514.87/mo @ 40
Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $525.36/mo @ 40
Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $525.95/mo @ 40
Bronze Elite + PCP Saver Plus — Expanded Bronze · $527.49/mo @ 40
Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $540.42/mo @ 40
Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $557.59/mo @ 40
MyBlue Health Gold℠ 403 — Gold · $605.24/mo @ 40
Gold Simple Guided Care — Gold · $614.13/mo @ 40
MyBlue Health Gold℠ Standard — Gold · $614.30/mo @ 40
Gold Classic Standard Guided Care — Gold · $617.30/mo @ 40
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $617.56/mo @ 40
Gold Simple Diabetes Guided Care — Gold · $620.11/mo @ 40
Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $620.18/mo @ 40
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $621.24/mo @ 40
UHC Gold Standard — Gold · $621.47/mo @ 40

Showing first 40 of 112 plans on file. Every remaining plan is listed below.

All other plans in Montgomery County

Standard Gold VALUE — Gold
UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) — Gold
Gold Classic Guided Care — Gold
Complete VALUE Gold — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold
UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) — Gold
Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold
Gold Classic Standard — Gold
Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold
Imperial Standard Gold — Gold
Standard Gold — Gold
Imperial Preferred Gold Zero — Gold
Everyday Gold — Gold
Gold Classic — Gold
Imperial Preferred Gold — Gold
Complete Gold — Gold
Gold Elite — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold + Vision + Adult Dental — Gold
Blue Advantage Gold HMO℠ 206 — Gold
Blue Advantage Plus Gold℠ 803 — Gold
Blue Advantage Gold HMO℠ Standard — Gold
Blue Advantage Plus Gold℠ 203 — Gold
Blue Advantage Plus Gold℠ Standard — Gold
UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded — Silver
UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — Silver
Standard Silver VALUE — Silver
Focused VALUE Silver — Silver
MyBlue Health Silver℠ Standard — Silver
MyBlue Health Silver℠ 405 — Silver
Silver Simple Guided Care — Silver
Standard Silver VALUE + Vision + Adult Dental — Silver
Silver Simple Diabetes Guided Care — Silver
Focused VALUE Silver + Vision + Adult Dental — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care — Silver
Silver Simple Chronic Care CKM Guided Care — Silver
Silver Simple Women's Health with Menopause Benefits Guided Care — Silver
UHC Silver Standard — Silver
Silver Classic Standard Guided Care — Silver
Standard Silver — Silver
Imperial Standard Silver — Silver
Silver Simple PCP Saver Guided Care — Silver
UHC Silver Value ($0 Virtual Urgent Care) — Silver
Focused Silver — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Imperial Preferred Silver — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Standard Silver + Vision + Adult Dental — Silver
Focused Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Silver Simple PCP Saver — Silver
Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Silver Classic Standard — Silver
Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Silver
Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Classic — Silver
Blue Advantage Silver HMO℠ Standard — Silver
Blue Advantage Silver HMO℠ 205 — Silver
Blue Advantage Plus Silver℠ 202 — Silver
Blue Advantage Plus Silver℠ Standard — Silver
Blue Advantage Plus Silver℠ 605 — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Texas (License #3124008) · reviewed Jul 26, 2026