BSW Elite Gold HMO 004 — full price in Bell County, Texas (2026)
BSW Elite Gold HMO 004 (40788TX0460004), a gold plan from Baylor Scott and White Health Plan in Bell County, Texas, costs $650.73/month full price for a 40-year-old in 2026 — $1381.90 at 60, with a $1,550 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460004 · Issuer: Baylor Scott and White Health Plan · 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 | $509.18 |
| 27 | $533.62 |
| 30 | $577.92 |
| 40 | $650.73 |
| 50 | $909.39 |
| 60 | $1381.90 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,550
- Family deductible: $3,100
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $734.48/mo. This plan is $650.73/mo at 40 — a difference of $-83.75/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 Bell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $650.80 |
| Standard Gold | Ambetter from Superior HealthPlan | $668.10 |
| Everyday Gold | Ambetter from Superior HealthPlan | $671.19 |
| UHC Gold Standard | UnitedHealthcare | $674.19 |
| BSW Elite Gold HMO 012 | Baylor Scott and White Health Plan | $679.53 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460004 in FIPS 48027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Bell County
Reviewed by Jason Burns, Editorial Steward.