BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) — full price in Brazos County, Texas (2026)
BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) (40788TX0460001), a gold plan from Baylor Scott and White Health Plan in Brazos County, Texas, costs $661.26/month full price for a 40-year-old in 2026 — $1404.27 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460001 · 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 | $517.42 |
| 27 | $542.25 |
| 30 | $587.27 |
| 40 | $661.26 |
| 50 | $924.11 |
| 60 | $1404.27 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $699.37/mo. This plan is $661.26/mo at 40 — a difference of $-38.11/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 Brazos County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard | UnitedHealthcare | $593.92 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $607.77 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $609.69 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $623.75 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $625.67 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460001 in FIPS 48041.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Brazos County
Reviewed by Jason Burns, Editorial Steward.