CHRISTUS Standard Gold ($0 Virtual Urgent Care) — full price in Smith County, Texas (2026)
CHRISTUS Standard Gold ($0 Virtual Urgent Care) (66252TX0380013), a gold plan from CHRISTUS Health Plan in Smith County, Texas, costs $561.13/month full price for a 40-year-old in 2026 — $1191.63 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 66252TX0380013 · Issuer: CHRISTUS 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 | $439.07 |
| 27 | $460.14 |
| 30 | $498.34 |
| 40 | $561.13 |
| 50 | $784.17 |
| 60 | $1191.63 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $672.12/mo. This plan is $561.13/mo at 40 — a difference of $-110.99/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 gold plans in Smith County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $568.81 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $584.12 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $591.79 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $610.60 |
| Standard Gold | Ambetter from Superior HealthPlan | $621.96 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 66252TX0380013 in FIPS 48423.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Smith County
Reviewed by Jason Burns, Editorial Steward.