Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Caldwell County, Texas (2026)
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040009), a gold plan from WellPoint in Caldwell County, Texas, costs $618.59/month full price for a 40-year-old in 2026 — $1313.66 at 60, with a $800 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0040009 · Issuer: WellPoint · 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 | $484.03 |
| 27 | $507.26 |
| 30 | $549.37 |
| 40 | $618.59 |
| 50 | $864.48 |
| 60 | $1313.66 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $800
- Family deductible: $1,600
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $609.68/mo. This plan is $618.59/mo at 40 — a difference of $8.91/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 Caldwell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) | CHRISTUS Health Plan | $509.00 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $515.97 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $529.86 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $536.81 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $553.88 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0040009 in FIPS 48055.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Caldwell County
Reviewed by Jason Burns, Editorial Steward.