Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in El Paso County, Texas (2026)
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040009), a gold plan from WellPoint in El Paso County, Texas, costs $618.83/month full price for a 40-year-old in 2026 — $1314.17 at 60, with a $800 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0040009 · 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 | $484.22 |
| 27 | $507.46 |
| 30 | $549.59 |
| 40 | $618.83 |
| 50 | $864.82 |
| 60 | $1314.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $800
- Family deductible: $1,600
- 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 $593.53/mo. This plan is $618.83/mo at 40 — a difference of $25.30/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 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 47501TX0040009 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.