Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Harris County, Texas (2026)
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0030009), a silver plan from WellPoint in Harris County, Texas, costs $813.69/month full price for a 40-year-old in 2026 — $1727.98 at 60, with a $4,000 deductible and $9,550 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0030009 · 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 | $636.69 |
| 27 | $667.25 |
| 30 | $722.64 |
| 40 | $813.69 |
| 50 | $1137.13 |
| 60 | $1727.98 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,000
- Family deductible: $8,000
- Individual out-of-pocket max: $9,550
- Family out-of-pocket max: $19,100
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $592.05/mo. This plan is $813.69/mo at 40 — a difference of $221.64/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 Harris County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $586.21 |
| Standard Silver VALUE | Ambetter from Superior HealthPlan | $592.05 |
| Focused VALUE Silver | Ambetter from Superior HealthPlan | $595.06 |
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $606.82 |
| Standard Silver VALUE + Vision + Adult Dental | Ambetter from Superior HealthPlan | $614.43 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0030009 in FIPS 48201.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Harris County
Reviewed by Jason Burns, Editorial Steward.