What health insurance costs without a subsidy in Panola County, Texas (2026)
In Panola County, Texas, the benchmark silver plan costs $631.75/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $457.91 to $818.72. A 60-year-old pays at least $972.43/month, a 21-year-old at least $358.30. 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 $358.30/mo
- Age 40 — starting at $457.91/mo
- Age 60 — starting at $972.43/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $457.91/mo
- Silver — starting at $628.53/mo
- Gold — starting at $574.65/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, 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 Panola County (FIPS 48365).
- 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)
- Blue Advantage Bronze HMO℠ 301 — Bronze · $457.91/mo @ 40
- Blue Advantage Plus Bronze℠ 305 — Bronze · $462.32/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $511.56/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $463.47/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $470.47/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $471.01/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $483.97/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $499.34/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $534.51/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $552.78/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $565.64/mo @ 40
- Standard Gold — Gold · $574.65/mo @ 40
- Everyday Gold — Gold · $577.31/mo @ 40
- Complete Gold — Gold · $587.73/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $596.03/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $598.79/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $609.62/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $639.32/mo @ 40
- Blue Advantage Gold HMO℠ 603 — Gold · $646.34/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $647.88/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $652.55/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $655.52/mo @ 40
- UHC Gold Standard — Gold · $678.97/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $681.10/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $694.80/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $696.99/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $713.07/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $715.26/mo @ 40
- Standard Silver — Silver · $628.53/mo @ 40
- Focused Silver — Silver · $631.75/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $637.68/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $652.15/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $655.49/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $661.66/mo @ 40
- Blue Advantage Silver HMO℠ 801 — Silver · $751.76/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $759.27/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $767.64/mo @ 40
- Blue Advantage Plus Silver℠ 202 — Silver · $774.31/mo @ 40
- Blue Advantage Plus Silver℠ Standard — Silver · $777.31/mo @ 40
- UHC Silver Standard — Silver · $786.85/mo @ 40
Showing first 40 of 45 plans on file.
Reviewed by Jason Burns, Editorial Steward.