What health insurance costs without a subsidy in Orange County, Texas (2026)
In Orange County, Texas, the benchmark silver plan costs $643.72/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $339.46 to $928.67. A 60-year-old pays at least $720.89/month, a 21-year-old at least $265.62. 6 insurers offer 85 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 $265.62/mo
- Age 40 — starting at $339.46/mo
- Age 60 — starting at $720.89/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $459.01/mo
- Silver — starting at $625.26/mo
- Gold — starting at $537.41/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, CHRISTUS Health Plan, Community Health Choice, 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.
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 Orange County (FIPS 48361).
- 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 (85)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $459.01/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $539.07/mo @ 40
- CHRISTUS Catastrophic (3 Free PCP visits) — Catastrophic · $339.46/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $426.57/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $437.65/mo @ 40
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) — Expanded Bronze · $408.84/mo @ 40
- CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $414.25/mo @ 40
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $414.36/mo @ 40
- CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $425.51/mo @ 40
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) — Expanded Bronze · $426.10/mo @ 40
- Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $443.32/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $444.27/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $444.77/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $448.97/mo @ 40
- Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $455.07/mo @ 40
- Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) — Expanded Bronze · $456.44/mo @ 40
- Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Expanded Bronze · $456.70/mo @ 40
- Wellpoint Essential Bronze 4000 HSA (+ Incentives) — Expanded Bronze · $468.64/mo @ 40
- Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $473.77/mo @ 40
- Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $477.86/mo @ 40
- Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $479.03/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $479.61/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $496.00/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $507.54/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $564.33/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $582.24/mo @ 40
- CHRISTUS Standard Gold ($0 Virtual Urgent Care) — Gold · $537.41/mo @ 40
- CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $544.77/mo @ 40
- CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) — Gold · $559.44/mo @ 40
- CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $566.78/mo @ 40
- CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) — Gold · $584.80/mo @ 40
- Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $587.04/mo @ 40
- Standard Gold — Gold · $589.65/mo @ 40
- Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — Gold · $591.50/mo @ 40
- Everyday Gold — Gold · $592.37/mo @ 40
- Complete Gold — Gold · $603.07/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $603.71/mo @ 40
- UHC Gold Standard — Gold · $609.23/mo @ 40
- Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $609.80/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $611.59/mo @ 40
Showing first 40 of 85 plans on file.
Reviewed by Jason Burns, Editorial Steward.