Imperial Standard Gold — full price in El Paso County, Texas (2026)
Imperial Standard Gold (34826TX0020003), a gold plan from Imperial Insurance Companies, Inc. in El Paso County, Texas, costs $594.97/month full price for a 40-year-old in 2026 — $1263.49 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for El Paso County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 34826TX0020003 · 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 | $465.55 |
| 27 | $487.89 |
| 30 | $528.40 |
| 40 | $594.97 |
| 50 | $831.47 |
| 60 | $1263.49 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $593.53/mo. This plan is $594.97/mo at 40 — a difference of $1.44/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 El Paso County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $513.56 |
| MyBlue Health Gold℠ Standard | Blue Cross and Blue Shield of Texas | $521.26 |
| Gold Simple Guided Care | Oscar Insurance Company | $579.47 |
| Gold Classic Standard Guided Care | Oscar Insurance Company | $582.45 |
| Gold Simple Diabetes Guided Care | Oscar Insurance Company | $585.09 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 34826TX0020003 in FIPS 48141.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in El Paso County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/tx/el-paso/34826tx0020003 · Record ID PHI-1YSIY5D1