Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Montgomery County, Texas (2026)
Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) (47501TX0030007), a gold plan from WellPoint in Montgomery County, Texas, costs $648.65/month full price for a 40-year-old in 2026 — $1377.49 at 60, with a $700 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 47501TX0030007 · 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 | $507.55 |
| 27 | $531.91 |
| 30 | $576.07 |
| 40 | $648.65 |
| 50 | $906.48 |
| 60 | $1377.49 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $700
- Family deductible: $1,400
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $667.85/mo. This plan is $648.65/mo at 40 — a difference of $-19.20/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 Montgomery County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $605.24 |
| Gold Simple Guided Care | Oscar Insurance Company | $614.13 |
| MyBlue Health Gold℠ Standard | Blue Cross and Blue Shield of Texas | $614.30 |
| Gold Classic Standard Guided Care | Oscar Insurance Company | $617.30 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | WellPoint | $617.56 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 47501TX0030007 in FIPS 48339.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Montgomery County
Reviewed by Jason Burns, Editorial Steward.