Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Denton County, Texas (2026)
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0030009), a silver plan from WellPoint in Denton County, Texas, costs $791.94/month full price for a 40-year-old in 2026 — $1681.78 at 60, with a $4,000 deductible and $9,550 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0030009 · 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 | $619.67 |
| 27 | $649.41 |
| 30 | $703.33 |
| 40 | $791.94 |
| 50 | $1106.73 |
| 60 | $1681.78 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,000
- Family deductible: $8,000
- Individual out-of-pocket max: $9,550
- Family out-of-pocket max: $19,100
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $691.97/mo. This plan is $791.94/mo at 40 — a difference of $99.97/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 silver plans in Denton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver VALUE | Ambetter from Superior HealthPlan | $688.47 |
| Focused VALUE Silver | Ambetter from Superior HealthPlan | $691.97 |
| Silver Simple Guided Care | Oscar Insurance Company | $708.74 |
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $709.32 |
| Standard Silver VALUE + Vision + Adult Dental | Ambetter from Superior HealthPlan | $714.50 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0030009 in FIPS 48121.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Denton County
Reviewed by Jason Burns, Editorial Steward.