Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) — full price in Fort Bend County, Texas (2026)
Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) (27248TX0010028), a gold plan from Community Health Choice in Fort Bend County, Texas, costs $554.92/month full price for a 40-year-old in 2026 — $1178.45 at 60, with a $2,000 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 27248TX0010028 · Issuer: Community Health Choice · 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 | $434.21 |
| 27 | $455.05 |
| 30 | $492.83 |
| 40 | $554.92 |
| 50 | $775.50 |
| 60 | $1178.45 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $648.75/mo. This plan is $554.92/mo at 40 — a difference of $-93.83/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 Fort Bend County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple Guided Care | Oscar Insurance Company | $568.08 |
| Gold Classic Standard Guided Care | Oscar Insurance Company | $571.02 |
| Gold Simple Diabetes Guided Care | Oscar Insurance Company | $573.63 |
| Gold Classic Guided Care | Oscar Insurance Company | $579.87 |
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $587.83 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 27248TX0010028 in FIPS 48157.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Fort Bend County
Reviewed by Jason Burns, Editorial Steward.