Imperial Preferred Gold — full price in Collin County, Texas (2026)
Imperial Preferred Gold (34826TX0030003), a gold plan from Imperial Insurance Companies, Inc. in Collin County, Texas, costs $688.26/month full price for a 40-year-old in 2026 — $1461.62 at 60, with a $1,350 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Collin County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 34826TX0030003 · Issuer: Imperial Insurance Companies, Inc. · 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 | $538.55 |
| 27 | $564.40 |
| 30 | $611.25 |
| 40 | $688.26 |
| 50 | $961.85 |
| 60 | $1461.62 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,350
- Family deductible: $2,700
- 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 $670.83/mo. This plan is $688.26/mo at 40 — a difference of $17.43/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 Collin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | WellPoint | $588.29 |
| BSW Elite Gold HMO 004 | Baylor Scott and White Health Plan | $589.92 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $589.99 |
| Molina Gold Saver 750 | Molina Healthcare | $590.52 |
| Molina Gold Core 1640 | Molina Healthcare | $590.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 34826TX0030003 in FIPS 48085.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Collin County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/tx/collin/34826tx0030003 · Record ID PHI-1XBNX0S1