# What ACA marketplace plans are available in Karnes County, Texas in 2027?

Karnes County, Texas has 70 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $496 to $1,050 and a benchmark (second-lowest-cost silver) plan at $855 per month, before any premium tax credit, per HealthCare.gov plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| WellPoint | Wellpoint Essential Catastrophic HSA (+ Incentives) | Catastrophic | $496.45 | $12,000 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | $504.96 | $12,000 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Bronze | $520.07 | $7,500 | $12,000 |
| WellPoint | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) | Bronze | $532.50 | $6,000 | $12,000 |
| WellPoint | Wellpoint Essential Bronze 7500 HSA Standard ($0 Select Drugs + Incentives) | Bronze | $534.73 | $7,500 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | $535.16 | $8,500 | $10,850 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | $535.43 | $7,450 | $10,800 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision HSA ($0 Select Drugs + Incentives) | Bronze | $543.53 | $6,000 | $12,000 |
| WellPoint | Wellpoint Essential Bronze 4000 HSA ($0 Select Drugs + Incentives) | Bronze | $549.08 | $4,000 | $10,150 |
| WellPoint | Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) | Bronze | $549.63 | $5,000 | $10,400 |
| CHRISTUS Health Plan | CHRISTUS Bronze Plus Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | $559.73 | $8,500 | $10,850 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential Plus Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | $559.78 | $7,450 | $10,800 |
| WellPoint | Wellpoint Essential Bronze POS 7500 HSA Standard ($0 Select Drugs + Incentives) | Bronze | $561.49 | $7,500 | $12,000 |
| WellPoint | Wellpoint Essential Bronze POS 5500 HSA ($0 Select Drugs + Incentives) | Bronze | $562.67 | $5,500 | $12,000 |
| WellPoint | Wellpoint Essential Bronze POS 4500 HSA ($0 Select Drugs + Incentives) | Bronze | $568.42 | $4,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Standard HSA | Bronze | $602.17 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Balance HSA | Bronze | $602.17 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Standard HSA | Bronze | $615.57 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Support HSA | Bronze | $615.57 | $8,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ - HSA | Catastrophic | $632.62 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Security℠ - HSA | Catastrophic | $645.91 | $12,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $658.07 | $11,750 | $11,750 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Bronze | $678.12 | $7,500 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | $694.57 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Bronze | $696.76 | $7,500 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $704.19 | $3,900 | $10,500 |
| WellPoint | Wellpoint Heart Healthy Essential Gold 500 ($0 Select Drugs + Incentives) | Gold | $724.27 | $500 | $10,500 |
| WellPoint | Wellpoint Essential Gold 800 ($0 Select Drugs + Incentives) | Gold | $724.83 | $800 | $9,000 |
| WellPoint | Wellpoint Essential Gold 2500 Standard ($0 Select Drugs + Incentives) | Gold | $725.87 | $2,500 | $8,600 |
| CHRISTUS Health Plan | CHRISTUS Gold with Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $728.37 | $0 | $9,950 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential Plus Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $728.90 | $3,900 | $10,500 |
| WellPoint | Wellpoint Essential Gold 1500 ($0 Select Drugs + Incentives) | Gold | $729.61 | $1,500 | $5,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $733.84 | $0 | $10,600 |
| CHRISTUS Health Plan | CHRISTUS Gold Plus Dental & Vision & Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $751.72 | $0 | $9,950 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision) | Bronze | $752.47 | $0 | $10,600 |
| WellPoint | Wellpoint Essential Gold POS 700 ($0 Select Drugs + Incentives) | Gold | $761.57 | $700 | $7,500 |
| WellPoint | Wellpoint Essential Gold POS 2500 Standard ($0 Select Drugs + Incentives) | Gold | $762.12 | $2,500 | $8,600 |
| WellPoint | Wellpoint Essential Gold POS 1000 ($0 Select Drugs + Incentives) | Gold | $766.01 | $1,000 | $8,950 |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | $831.98 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Secure | Gold | $853.27 | $1,800 | $7,800 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $855.22 | $6,900 | $10,350 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $860.10 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Standard | Gold | $860.13 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Max | Gold | $866.27 | $550 | $10,500 |
| WellPoint | Wellpoint Essential Silver 6400 Standard ($0 Select Drugs + Incentives) | Silver | $866.54 | $6,400 | $10,300 |
| WellPoint | Wellpoint Essential Silver 1850 ($0 Select Drugs + Incentives) | Silver | $875.89 | $1,850 | $9,500 |
| WellPoint | Wellpoint Essential Silver 3500 ($0 Select Drugs + Incentives) | Silver | $877.83 | $3,500 | $9,950 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Secure | Gold | $878.78 | $1,800 | $7,800 |
| WellPoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Select Drugs + Incentives) | Silver | $888.93 | $3,500 | $9,950 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 Plus Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $889.06 | $6,900 | $10,350 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Gold | $889.43 | $0 | $8,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Standard | Gold | $892.70 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Balance | Gold | $893.59 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Gold | $895.60 | $1,400 | $6,500 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $908.07 | $0 | $8,000 |
| WellPoint | Wellpoint Essential Silver POS 6400 Standard ($0 Select Drugs + Incentives) | Silver | $909.86 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $914.24 | $1,400 | $6,500 |
| WellPoint | Wellpoint Essential Silver POS 2500 ($0 Select Drugs + Incentives) | Silver | $918.46 | $2,500 | $9,900 |
| WellPoint | Wellpoint Essential Silver POS 4000 ($0 Select Drugs + Incentives) | Silver | $919.84 | $4,000 | $9,550 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Balance | Silver | $989.08 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Standard | Silver | $1,002.39 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $1,008.70 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Balance | Silver | $1,015.55 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Champion | Silver | $1,022.23 | $3,100 | $10,550 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $1,027.92 | $3,500 | $9,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Standard | Silver | $1,029.12 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Silver | $1,031.04 | $3,800 | $10,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,046.56 | $3,500 | $9,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Champion | Silver | $1,049.17 | $3,100 | $10,550 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,049.68 | $3,800 | $10,000 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Karnes County

### How many ACA plans are available in Karnes County for 2027?

Karnes County, Texas has 70 ACA marketplace plans from 4 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Karnes County?

The 2027 benchmark (second-lowest-cost silver) premium in Karnes County is $855 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Karnes County?

The cheapest 2027 plan in Karnes County is Wellpoint Essential Catastrophic HSA (+ Incentives) from WellPoint, a Catastrophic plan at $496 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
Published by: Private Health Insurance Direct Answers
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