Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Cameron County, Texas (2026)
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040012), a silver plan from WellPoint in Cameron County, Texas, costs $758.71/month full price for a 40-year-old in 2026 — $1611.22 at 60, with a $3,500 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0040012 · 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 | $593.67 |
| 27 | $622.17 |
| 30 | $673.82 |
| 40 | $758.71 |
| 50 | $1060.29 |
| 60 | $1611.22 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $710.18/mo. This plan is $758.71/mo at 40 — a difference of $48.53/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 silver plans in Cameron County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Silver℠ 405 | Blue Cross and Blue Shield of Texas | $539.67 |
| Blue Advantage Silver HMO℠ Standard | Blue Cross and Blue Shield of Texas | $710.18 |
| Blue Advantage Silver HMO℠ 205 | Blue Cross and Blue Shield of Texas | $718.02 |
| Blue Advantage Plus Silver℠ 202 | Blue Cross and Blue Shield of Texas | $724.24 |
| Blue Advantage Plus Silver℠ Standard | Blue Cross and Blue Shield of Texas | $727.04 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0040012 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.