Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Cameron County, Texas (2026)
Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0030005), a gold plan from WellPoint in Cameron County, Texas, costs $663.05/month full price for a 40-year-old in 2026 — $1408.08 at 60, with a $1,000 deductible and $8,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0030005 · 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 | $518.82 |
| 27 | $543.72 |
| 30 | $588.86 |
| 40 | $663.05 |
| 50 | $926.61 |
| 60 | $1408.08 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,000
- Family deductible: $2,000
- Individual out-of-pocket max: $8,950
- Family out-of-pocket max: $17,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $710.18/mo. This plan is $663.05/mo at 40 — a difference of $-47.13/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 Cameron County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $466.97 |
| Blue Advantage Gold HMO℠ 206 | Blue Cross and Blue Shield of Texas | $597.99 |
| Blue Advantage Plus Gold℠ 803 | Blue Cross and Blue Shield of Texas | $605.99 |
| Blue Advantage Gold HMO℠ Standard | Blue Cross and Blue Shield of Texas | $610.36 |
| Blue Advantage Plus Gold℠ 203 | Blue Cross and Blue Shield of Texas | $613.13 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0030005 in FIPS 48061.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cameron County
Reviewed by Jason Burns, Editorial Steward.