BSW Elite Gold HMO 012 — full price in Floyd County, Texas (2026)
BSW Elite Gold HMO 012 (40788TX0460012), a gold plan from Baylor Scott and White Health Plan in Floyd County, Texas, costs $679.14/month full price for a 40-year-old in 2026 — $1442.24 at 60, with a $500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460012 · 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 | $531.41 |
| 27 | $556.92 |
| 30 | $603.15 |
| 40 | $679.14 |
| 50 | $949.09 |
| 60 | $1442.24 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $500
- Family deductible: $1,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $779.39/mo. This plan is $679.14/mo at 40 — a difference of $-100.25/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 Floyd County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Elite Gold HMO 004 | Baylor Scott and White Health Plan | $650.35 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $650.43 |
| UHC Gold Standard | UnitedHealthcare | $704.34 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $720.76 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $723.04 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460012 in FIPS 48153.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Floyd County
Reviewed by Jason Burns, Editorial Steward.