Gold Elite — full price in Bandera County, Texas (2026)
Gold Elite (20069TX0100056), a gold plan from Oscar Insurance Company in Bandera County, Texas, costs $647.40/month full price for a 40-year-old in 2026 — $1374.84 at 60, with a $1,200 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0100056 · Issuer: Oscar Insurance Company · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $506.58 |
| 27 | $530.89 |
| 30 | $574.96 |
| 40 | $647.40 |
| 50 | $904.74 |
| 60 | $1374.84 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,200
- Family deductible: $2,400
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $711.30/mo. This plan is $647.40/mo at 40 — a difference of $-63.90/mo.
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 — 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.
Other gold plans in Bandera County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard | UnitedHealthcare | $604.06 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $618.14 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $620.09 |
| Gold Classic Standard | Oscar Insurance Company | $624.52 |
| Gold Classic | Oscar Insurance Company | $634.27 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100056 in FIPS 48019.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Bandera County
Reviewed by Jason Burns, Editorial Steward.