BSW Elite Gold HMO 012 — full price in Somervell County, Texas (2026)
BSW Elite Gold HMO 012 (40788TX0460012), a gold plan from Baylor Scott and White Health Plan in Somervell County, Texas, costs $649.59/month full price for a 40-year-old in 2026 — $1379.50 at 60, with a $500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40788TX0460012 · 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 | $508.29 |
| 27 | $532.69 |
| 30 | $576.91 |
| 40 | $649.59 |
| 50 | $907.81 |
| 60 | $1379.50 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $500
- Family deductible: $1,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $745.48/mo. This plan is $649.59/mo at 40 — a difference of $-95.89/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 Somervell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Elite Gold HMO 004 | Baylor Scott and White Health Plan | $622.06 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $622.13 |
| UHC Gold Standard | UnitedHealthcare | $701.25 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $717.60 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $719.86 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40788TX0460012 in FIPS 48425.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Somervell County
Reviewed by Jason Burns, Editorial Steward.