Imperial Preferred Gold Zero — full price in Comal County, Texas (2026)
Imperial Preferred Gold Zero (34826TX0010001), a gold plan from Imperial Insurance Companies, Inc. in Comal County, Texas, costs $594.27/month full price for a 40-year-old in 2026 — $1262.01 at 60, with a $0 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 34826TX0010001 · 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 | $465.00 |
| 27 | $487.32 |
| 30 | $527.77 |
| 40 | $594.27 |
| 50 | $830.49 |
| 60 | $1262.01 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $634.53/mo. This plan is $594.27/mo at 40 — a difference of $-40.26/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.
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Other gold plans in Comal County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) | CHRISTUS Health Plan | $529.74 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $536.99 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $551.45 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $558.69 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | WellPoint | $567.76 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 34826TX0010001 in FIPS 48091.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Comal County
Reviewed by Jason Burns, Editorial Steward.