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

Montgomery County, Texas has 131 ACA marketplace plans from 8 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $465 to $1,044 and a benchmark (second-lowest-cost silver) plan at $728 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 |
|---|---|---|---|---|---|
| Imperial Insurance Companies, Inc. | Imperial Preferred Catastrophic | Catastrophic | $465.10 | $12,000 | $12,000 |
| WellPoint | Wellpoint Essential Catastrophic HSA (+ Incentives) | Catastrophic | $495.34 | $12,000 | $12,000 |
| Imperial Insurance Companies, Inc. | Imperial Classic Bronze | Bronze | $496.13 | $7,500 | $12,000 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze | $496.80 | $9,500 | $9,500 |
| Ambetter from Superior HealthPlan | Signature Expanded Bronze | Bronze | $511.42 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $527.94 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Choice Bronze HSA | Bronze | $528.05 | $7,950 | $7,950 |
| WellPoint | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) | Bronze | $531.32 | $6,000 | $12,000 |
| WellPoint | Wellpoint Essential Bronze 7500 HSA Standard ($0 Select Drugs + Incentives) | Bronze | $533.53 | $7,500 | $12,000 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision HSA ($0 Select Drugs + Incentives) | Bronze | $542.32 | $6,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ - Standard HSA | Bronze | $544.48 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Choice Bronze HSA + Vision + Adult Dental | Bronze | $545.11 | $7,950 | $7,950 |
| WellPoint | Wellpoint Essential Bronze 4000 HSA ($0 Select Drugs + Incentives) | Bronze | $547.85 | $4,000 | $10,150 |
| WellPoint | Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) | Bronze | $548.40 | $5,000 | $10,400 |
| WellPoint | Wellpoint Essential Bronze POS 7500 HSA Standard ($0 Select Drugs + Incentives) | Bronze | $560.22 | $7,500 | $12,000 |
| WellPoint | Wellpoint Essential Bronze POS 5500 HSA ($0 Select Drugs + Incentives) | Bronze | $561.40 | $5,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Security℠ - HSA | Catastrophic | $562.08 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ - Champion HSA | Bronze | $566.05 | $5,000 | $11,100 |
| WellPoint | Wellpoint Essential Bronze POS 4500 HSA ($0 Select Drugs + Incentives) | Bronze | $567.15 | $4,500 | $12,000 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | $571.20 | $9,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $577.31 | $11,750 | $11,750 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | $578.34 | $4,700 | $12,000 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | $580.19 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Kelsey Seybold Bronze Copay Focus $0 Indiv Med Ded (HSA, $0 Insulin) | Bronze | $587.30 | $0 | $10,600 |
| Oscar Insurance Company | Bronze Simple Diabetes | Bronze | $589.70 | $5,500 | $12,000 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Bronze | $592.44 | $5,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Bronze | $594.90 | $7,500 | $12,000 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | $595.33 | $0 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Standard HSA | Bronze | $597.80 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Balance HSA | Bronze | $597.80 | $11,750 | $11,750 |
| UnitedHealthcare | UHC Kelsey Seybold Bronze Copay Focus+ $0 Indiv Med Ded (HSA, $0 Insulin, Dental + Vision) | Bronze | $602.48 | $0 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Bronze | $611.26 | $7,500 | $12,000 |
| Oscar Insurance Company | Bronze Simple Diabetes with Adult Dental & Vision | Bronze | $612.21 | $5,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Standard HSA | Bronze | $614.63 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Support HSA | Bronze | $614.63 | $8,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ - HSA | Catastrophic | $627.46 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Security℠ - HSA | Catastrophic | $641.27 | $12,000 | $12,000 |
| Ambetter from Superior HealthPlan | Signature Gold VALUE | Gold | $660.94 | $2,500 | $8,600 |
| Oscar Insurance Company | Gold Elite Saver Plus Guided Care | Gold | $665.77 | $0 | $11,750 |
| Harbor Health | Gold 1M $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures | Gold | $666.10 | $0 | $9,950 |
| Ambetter from Superior HealthPlan | Signature Gold | Gold | $666.68 | $2,500 | $8,600 |
| Oscar Insurance Company | Gold Simple Guided Care | Gold | $672.48 | $2,750 | $10,000 |
| Oscar Insurance Company | Gold Classic Standard Guided Care | Gold | $673.81 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Complete VALUE Gold | Gold | $677.43 | $1,450 | $9,500 |
| Ambetter from Superior HealthPlan | Everyday Gold | Gold | $679.33 | $800 | $7,250 |
| Community Health Choice | Community Premier Bronze 003 HSA | Bronze | $681.48 | $8,500 | $12,000 |
| Ambetter from Superior HealthPlan | Complete Gold | Gold | $683.27 | $1,450 | $9,500 |
| Oscar Insurance Company | Gold Simple Diabetes Guided Care | Gold | $687.11 | $2,000 | $10,600 |
| Ambetter from Superior HealthPlan | Signature Gold + Vision + Adult Dental | Gold | $688.22 | $2,500 | $8,600 |
| Community Health Choice | Community Premier Brone 018 HSA | Bronze | $689.38 | $7,500 | $12,000 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Gold | Gold | $691.49 | $1,000 | $8,000 |
| Oscar Insurance Company | Gold Simple Guided Care with Adult Dental & Vision | Gold | $695.00 | $2,750 | $10,000 |
| Harbor Health | Gold 1MS $30 PCP $30 Mental Health Office Visit $30 Express Care | Gold | $699.72 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Everyday Gold + Vision + Adult Dental | Gold | $701.28 | $800 | $7,250 |
| Ambetter from Superior HealthPlan | Complete Gold + Vision + Adult Dental | Gold | $705.35 | $1,450 | $9,500 |
| Imperial Insurance Companies, Inc. | Imperial Classic Gold | Gold | $706.95 | $2,500 | $8,600 |
| Oscar Insurance Company | Gold Simple Diabetes Guided Care with Adult Dental & Vision | Gold | $709.62 | $2,000 | $10,600 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Gold Zero | Gold | $709.64 | $0 | $9,200 |
| WellPoint | Wellpoint Heart Healthy Essential Gold 500 ($0 Select Drugs + Incentives) | Gold | $722.65 | $500 | $10,500 |
| Ambetter from Superior HealthPlan | Streamlined VALUE Silver | Silver | $723.03 | $4,700 | $11,300 |
| WellPoint | Wellpoint Essential Gold 800 ($0 Select Drugs + Incentives) | Gold | $723.19 | $800 | $9,000 |
| WellPoint | Wellpoint Essential Gold 2500 Standard ($0 Select Drugs + Incentives) | Gold | $724.24 | $2,500 | $8,600 |
| WellPoint | Wellpoint Essential Gold 1500 ($0 Select Drugs + Incentives) | Gold | $727.97 | $1,500 | $5,000 |
| Ambetter from Superior HealthPlan | Streamlined Silver | Silver | $728.29 | $4,700 | $11,300 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ - Standard | Gold | $729.78 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Signature Silver VALUE | Silver | $736.69 | $6,400 | $10,300 |
| Ambetter from Superior HealthPlan | Focused VALUE Silver | Silver | $741.70 | $6,300 | $9,600 |
| Ambetter from Superior HealthPlan | Signature Silver | Silver | $742.03 | $6,400 | $10,300 |
| Ambetter from Superior HealthPlan | Focused Silver | Silver | $747.06 | $6,300 | $9,600 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Gold℠ - Champion | Gold | $751.35 | $1,200 | $9,200 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $752.37 | $5,000 | $10,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $754.55 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Signature Silver VALUE + Vision + Adult Dental | Silver | $755.85 | $6,400 | $10,300 |
| Oscar Insurance Company | Gold Elite Saver Plus | Gold | $757.06 | $0 | $11,750 |
| WellPoint | Wellpoint Essential Gold POS 700 ($0 Select Drugs + Incentives) | Gold | $759.86 | $700 | $7,500 |
| WellPoint | Wellpoint Essential Gold POS 2500 Standard ($0 Select Drugs + Incentives) | Gold | $760.41 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Focused VALUE Silver + Vision + Adult Dental | Silver | $760.99 | $6,300 | $9,600 |
| WellPoint | Wellpoint Essential Gold POS 1000 ($0 Select Drugs + Incentives) | Gold | $764.30 | $1,000 | $8,950 |
| Oscar Insurance Company | Gold Simple | Gold | $764.79 | $2,750 | $10,000 |
| Ambetter from Superior HealthPlan | Signature Silver + Vision + Adult Dental | Silver | $766.00 | $6,400 | $10,300 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $766.61 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Kelsey Seybold Gold Copay Focus $0 Ded ($8 Tier 2 Rx, $0 Insulin) | Gold | $770.55 | $0 | $8,000 |
| Ambetter from Superior HealthPlan | Focused Silver + Vision + Adult Dental | Silver | $771.20 | $6,300 | $9,600 |
| Harbor Health | Silver 1M $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab, $0 Imaging | Silver | $775.53 | $8,000 | $9,500 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $776.68 | $5,000 | $10,000 |
| Oscar Insurance Company | Gold Elite Saver Plus with Adult Dental & Vision | Gold | $779.57 | $0 | $11,750 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Gold | $785.70 | $1,400 | $6,500 |
| Oscar Insurance Company | Silver Classic Standard Guided Care | Silver | $785.70 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Kelsey Seybold Gold Copay Focus+ $0 Ded ($8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $786.90 | $0 | $8,000 |
| Oscar Insurance Company | Silver Core Plan Guided Care | Silver | $787.53 | $9,000 | $10,300 |
| Oscar Insurance Company | Silver Simple Diabetes Guided Care | Silver | $790.06 | $6,500 | $10,600 |
| Oscar Insurance Company | Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Silver | $791.26 | $6,200 | $10,300 |
| Oscar Insurance Company | Silver Simple PCP Saver Guided Care | Silver | $791.47 | $5,750 | $10,000 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits Guided Care | Silver | $791.86 | $6,000 | $10,600 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM Guided Care | Silver | $793.46 | $6,500 | $10,500 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $802.05 | $1,400 | $6,500 |
| Oscar Insurance Company | Silver Simple Diabetes Guided Care with Adult Dental & Vision | Silver | $812.57 | $6,500 | $10,600 |
| UnitedHealthcare | UHC Kelsey Seybold Silver Copay Focus $0 Indiv Med Ded ($0 Insulin) | Silver | $813.07 | $0 | $9,800 |
| Imperial Insurance Companies, Inc. | Imperial Classic Silver | Silver | $814.08 | $6,400 | $10,300 |
| Harbor Health | Silver 1MS $40 PCP $40 Mental Health Office Visit $40 Express Care | Silver | $819.32 | $6,400 | $10,300 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Silver | Silver | $820.09 | $6,500 | $10,500 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ - Standard | Silver | $826.79 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Kelsey Seybold Silver Copay Focus+ $0 Indiv Med Ded ($0 Insulin, Dental + Vision) | Silver | $827.53 | $0 | $9,800 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Silver℠ - Champion | Silver | $847.17 | $3,100 | $10,550 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Standard | Gold | $855.15 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Max | Gold | $861.23 | $550 | $10,500 |
| WellPoint | Wellpoint Essential Silver 6400 Standard ($0 Select Drugs + Incentives) | Silver | $864.59 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Secure | Gold | $873.50 | $1,800 | $7,800 |
| WellPoint | Wellpoint Essential Silver 1850 ($0 Select Drugs + Incentives) | Silver | $873.92 | $1,850 | $9,500 |
| WellPoint | Wellpoint Essential Silver 3500 ($0 Select Drugs + Incentives) | Silver | $875.86 | $3,500 | $9,950 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $884.91 | $6,400 | $10,300 |
| WellPoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Select Drugs + Incentives) | Silver | $886.93 | $3,500 | $9,950 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Standard | Gold | $887.30 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Balance | Gold | $888.20 | $2,500 | $8,600 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $895.30 | $6,400 | $10,300 |
| Oscar Insurance Company | Silver Core Plan | Silver | $897.42 | $9,000 | $10,300 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $901.78 | $3,500 | $9,700 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | $901.95 | $5,750 | $10,000 |
| Community Health Choice | Community Premier Gold 021 | Gold | $904.36 | $2,500 | $8,600 |
| WellPoint | Wellpoint Essential Silver POS 6400 Standard ($0 Select Drugs + Incentives) | Silver | $907.83 | $6,400 | $10,300 |
| Community Health Choice | Community Premier Gold 005 | Gold | $912.79 | $2,500 | $8,500 |
| WellPoint | Wellpoint Essential Silver POS 2500 ($0 Select Drugs + Incentives) | Silver | $916.40 | $2,500 | $9,900 |
| WellPoint | Wellpoint Essential Silver POS 4000 ($0 Select Drugs + Incentives) | Silver | $917.78 | $4,000 | $9,550 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $918.13 | $3,500 | $9,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Standard | Silver | $994.30 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Balance | Silver | $1,010.41 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Champion | Silver | $1,013.95 | $3,100 | $10,550 |
| Community Health Choice | Community Premier Silver 020 | Silver | $1,018.45 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Standard | Silver | $1,023.88 | $6,400 | $10,300 |
| Community Health Choice | Community Premier Silver 012 | Silver | $1,038.16 | $2,800 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Champion | Silver | $1,043.77 | $3,100 | $10,550 |

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

## Questions about 2027 plans in Montgomery County

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

Montgomery County, Texas has 131 ACA marketplace plans from 8 insurers for 2027, per HealthCare.gov plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Montgomery County is $728 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Montgomery County is Imperial Preferred Catastrophic from Imperial Insurance Companies, Inc., a Catastrophic plan at $465 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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