What health insurance costs without a subsidy in Willacy County, Texas (2026)
In Willacy County, Texas, the benchmark silver plan costs $718.02/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $432.42 to $839.73. A 60-year-old pays at least $918.31/month, a 21-year-old at least $338.36. 4 insurers offer 54 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 $338.36/mo
- Age 40 — starting at $432.42/mo
- Age 60 — starting at $918.31/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $432.42/mo
- Silver — starting at $710.18/mo
- Gold — starting at $597.99/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, 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 Willacy County (FIPS 48489).
- 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 (54)
- Blue Advantage Plus Bronze℠ 305 — Bronze · $432.42/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $524.69/mo @ 40
- Blue Advantage Security HMO℠ 200 — Catastrophic · $433.51/mo @ 40
- Blue Advantage Bronze HMO℠ Standard — Expanded Bronze · $440.07/mo @ 40
- Blue Advantage Bronze HMO℠ 204 — Expanded Bronze · $440.56/mo @ 40
- Blue Advantage Plus Bronze℠ Standard — Expanded Bronze · $452.68/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $459.13/mo @ 40
- Blue Advantage Plus Bronze℠ 303 — Expanded Bronze · $467.06/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $474.82/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $480.53/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $481.98/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $490.06/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $502.08/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $548.23/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $566.97/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $580.16/mo @ 40
- Blue Advantage Gold HMO℠ 206 — Gold · $597.99/mo @ 40
- Blue Advantage Plus Gold℠ 803 — Gold · $605.99/mo @ 40
- Blue Advantage Gold HMO℠ Standard — Gold · $610.36/mo @ 40
- Blue Advantage Plus Gold℠ 203 — Gold · $613.13/mo @ 40
- Gold Classic Standard — Gold · $627.77/mo @ 40
- Blue Advantage Plus Gold℠ Standard — Gold · $637.07/mo @ 40
- Gold Classic — Gold · $637.58/mo @ 40
- Gold Elite — Gold · $650.78/mo @ 40
- UHC Gold Standard — Gold · $696.40/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $712.64/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Gold · $714.89/mo @ 40
- Standard Gold — Gold · $715.40/mo @ 40
- Everyday Gold — Gold · $718.71/mo @ 40
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $731.38/mo @ 40
- Complete Gold — Gold · $731.69/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Gold · $733.62/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $742.02/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $745.45/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $758.93/mo @ 40
- Blue Advantage Silver HMO℠ Standard — Silver · $710.18/mo @ 40
- Blue Advantage Silver HMO℠ 205 — Silver · $718.02/mo @ 40
- Blue Advantage Plus Silver℠ 202 — Silver · $724.24/mo @ 40
- Blue Advantage Plus Silver℠ Standard — Silver · $727.04/mo @ 40
- Silver Simple PCP Saver — Silver · $732.81/mo @ 40
Showing first 40 of 54 plans on file.
Reviewed by Jason Burns, Editorial Steward.