Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Fort Bend County, Texas (2026)
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0040010), a silver plan from WellPoint in Fort Bend County, Texas, costs $789.37/month full price for a 40-year-old in 2026 — $1676.33 at 60, with a $3,500 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0040010 · 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 | $617.66 |
| 27 | $647.31 |
| 30 | $701.04 |
| 40 | $789.37 |
| 50 | $1103.14 |
| 60 | $1676.33 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $648.75/mo. This plan is $789.37/mo at 40 — a difference of $140.62/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 silver plans in Fort Bend County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple Guided Care | Oscar Insurance Company | $647.14 |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | UnitedHealthcare | $648.75 |
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $649.49 |
| Silver Simple Diabetes Guided Care | Oscar Insurance Company | $654.66 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Oscar Insurance Company | $659.27 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0040010 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.