Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Hidalgo County, Texas (2026)
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0030009), a silver plan from WellPoint in Hidalgo County, Texas, costs $789.23/month full price for a 40-year-old in 2026 — $1676.03 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 | $617.55 |
| 27 | $647.19 |
| 30 | $700.92 |
| 40 | $789.23 |
| 50 | $1102.94 |
| 60 | $1676.03 |
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 $648.73/mo. This plan is $789.23/mo at 40 — a difference of $140.50/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 silver plans in Hidalgo County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Silver℠ 405 | Blue Cross and Blue Shield of Texas | $578.51 |
| Standard Silver | Ambetter from Superior HealthPlan | $648.73 |
| Focused Silver | Ambetter from Superior HealthPlan | $652.06 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter from Superior HealthPlan | $658.18 |
| Standard Silver + Vision + Adult Dental | Ambetter from Superior HealthPlan | $673.11 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0030009 in FIPS 48215.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hidalgo County
Reviewed by Jason Burns, Editorial Steward.