BSW Elite Gold HMO 004 — full price in Cottle County, Texas (2026)
BSW Elite Gold HMO 004 (40788TX0460004), a gold plan from Baylor Scott and White Health Plan in Cottle County, Texas, costs $470.22/month full price for a 40-year-old in 2026 — $998.56 at 60, with a $1,550 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460004 · Issuer: Baylor Scott and White Health Plan · 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 | $367.93 |
| 27 | $385.59 |
| 30 | $417.60 |
| 40 | $470.22 |
| 50 | $657.12 |
| 60 | $998.56 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,550
- Family deductible: $3,100
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $563.51/mo. This plan is $470.22/mo at 40 — a difference of $-93.29/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 Cottle County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $470.27 |
| BSW Elite Gold HMO 012 | Baylor Scott and White Health Plan | $491.03 |
| Blue Advantage Gold HMO℠ 206 | Blue Cross and Blue Shield of Texas | $776.26 |
| Blue Advantage Gold HMO℠ 603 | Blue Cross and Blue Shield of Texas | $784.77 |
| Blue Advantage Gold HMO℠ Standard | Blue Cross and Blue Shield of Texas | $792.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460004 in FIPS 48101.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cottle County
Reviewed by Jason Burns, Editorial Steward.