BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) — full price in King County, Texas (2026)
BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) (40788TX0460003), a silver plan from Baylor Scott and White Health Plan in King County, Texas, costs $779.08/month full price for a 40-year-old in 2026 — $1654.48 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460003 · 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 | $609.61 |
| 27 | $638.87 |
| 30 | $691.91 |
| 40 | $779.08 |
| 50 | $1088.76 |
| 60 | $1654.48 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $779.39/mo. This plan is $779.08/mo at 40 — a difference of $-0.31/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 King County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Prime Silver HMO 005 | Baylor Scott and White Health Plan | $779.39 |
| BSW Prime Silver HMO 008 | Baylor Scott and White Health Plan | $780.01 |
| UHC Silver Standard | UnitedHealthcare | $816.24 |
| UHC Silver Value ($0 Virtual Urgent Care) | UnitedHealthcare | $829.39 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | UnitedHealthcare | $830.36 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460003 in FIPS 48269.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in King County
Reviewed by Jason Burns, Editorial Steward.