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

Smith County, Texas has 66 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $458 to $1,049 and a benchmark (second-lowest-cost silver) plan at $689 per month, before any premium tax credit, per CMS 2027 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 CMS 2027 plan data_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | $458.09 | $12,000 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze | $471.81 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Signature Expanded Bronze | Expanded Bronze | $475.15 | $7,500 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $485.49 | $8,500 | $10,850 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $485.74 | $7,450 | $10,800 |
| Ambetter from Superior HealthPlan | Signature Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $490.51 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Choice Bronze HSA | Expanded Bronze | $490.61 | $7,950 | $7,950 |
| Ambetter from Superior HealthPlan | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | $506.46 | $7,950 | $7,950 |
| CHRISTUS Health Plan | CHRISTUS Bronze Plus Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Expanded Bronze | $507.78 | $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) | Expanded Bronze | $507.83 | $7,450 | $10,800 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $601.12 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Balance HSA | Expanded Bronze | $603.92 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Bronze HMO℠ - Standard HSA | Expanded Bronze | $603.92 | $7,500 | $12,000 |
| Ambetter from Superior HealthPlan | Signature Gold | Gold | $619.41 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Expanded Bronze | $619.44 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Standard HSA | Expanded Bronze | $620.05 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Bronze℠ - Support HSA | Expanded Bronze | $620.05 | $8,000 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | $630.11 | $2,500 | $8,600 |
| Ambetter from Superior HealthPlan | Everyday Gold | Gold | $631.16 | $800 | $7,250 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Security HMO℠ - HSA | Catastrophic | $633.66 | $12,000 | $12,000 |
| Ambetter from Superior HealthPlan | Complete Gold | Gold | $634.82 | $1,450 | $9,500 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Expanded Bronze | $636.46 | $7,500 | $12,000 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $638.84 | $3,900 | $10,500 |
| Ambetter from Superior HealthPlan | Signature Gold + Vision + Adult Dental | Gold | $639.42 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Security℠ - HSA | Catastrophic | $646.94 | $12,000 | $12,000 |
| Ambetter from Superior HealthPlan | Everyday Gold + Vision + Adult Dental | Gold | $651.56 | $800 | $7,250 |
| Ambetter from Superior HealthPlan | Complete Gold + Vision + Adult Dental | Gold | $655.33 | $1,450 | $9,500 |
| CHRISTUS Health Plan | CHRISTUS Gold with Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $660.77 | $0 | $9,950 |
| CHRISTUS Health Plan | CHRISTUS Gold Essential Plus Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | Gold | $661.25 | $3,900 | $10,500 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin) | Expanded Bronze | $670.33 | $0 | $10,600 |
| Ambetter from Superior HealthPlan | Streamlined Silver | Silver | $676.65 | $4,700 | $11,300 |
| CHRISTUS Health Plan | CHRISTUS Gold Plus Dental & Vision & Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | Gold | $681.96 | $0 | $9,950 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision) | Expanded Bronze | $687.36 | $0 | $10,600 |
| Ambetter from Superior HealthPlan | Signature Silver | Silver | $689.41 | $6,400 | $10,300 |
| Ambetter from Superior HealthPlan | Focused Silver | Silver | $694.09 | $6,300 | $9,600 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $699.03 | $5,000 | $10,000 |
| Ambetter from Superior HealthPlan | Signature Silver + Vision + Adult Dental | Silver | $711.69 | $6,400 | $10,300 |
| Ambetter from Superior HealthPlan | Focused Silver + Vision + Adult Dental | Silver | $716.52 | $6,300 | $9,600 |
| Ambetter from Superior HealthPlan | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $721.61 | $5,000 | $10,000 |
| CHRISTUS Health Plan | CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) | Silver | $754.77 | $6,400 | $10,300 |
| CHRISTUS Health Plan | CHRISTUS Value Silver 70 ($0 Virtual Urgent Care) | Silver | $755.14 | $6,500 | $6,500 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $775.85 | $6,900 | $10,350 |
| CHRISTUS Health Plan | CHRISTUS Value Silver 70 Plus Dental & Vision ($0 Virtual Urgent Care) | Silver | $782.26 | $6,500 | $6,500 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $785.67 | $2,500 | $8,600 |
| CHRISTUS Health Plan | CHRISTUS Silver Essential 70 Plus Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Silver | $806.55 | $6,900 | $10,350 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Gold | $812.46 | $0 | $8,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Gold | $818.10 | $1,400 | $6,500 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $829.49 | $0 | $8,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $835.12 | $1,400 | $6,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Secure | Gold | $857.10 | $1,800 | $7,800 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Standard | Gold | $863.98 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Gold HMO℠ - Max | Gold | $870.13 | $550 | $10,500 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Secure | Gold | $881.01 | $1,800 | $7,800 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Standard | Gold | $894.96 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Gold℠ - Balance | Gold | $895.85 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $921.40 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $938.96 | $3,500 | $9,700 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Silver | $941.82 | $3,800 | $10,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $955.99 | $3,500 | $9,700 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $958.84 | $3,800 | $10,000 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Balance | Silver | $991.09 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Standard | Silver | $1,004.42 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Balance | Silver | $1,015.36 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Silver HMO℠ - Champion | Silver | $1,024.29 | $3,100 | $10,550 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Standard | Silver | $1,028.96 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Texas | Blue Advantage Plus Silver℠ - Champion | Silver | $1,049.05 | $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 Smith County

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

Smith County, Texas has 66 ACA marketplace plans from 4 insurers for 2027, per CMS 2027 plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Smith County is $689 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Smith County is CHRISTUS Catastrophic (3 Free PCP visits) from CHRISTUS Health Plan, a Catastrophic plan at $458 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

- CMS PY2027 Plan Attributes and Rate public use files — https://data.healthcare.gov/dataset/9c1ab46b-95da-4aac-9a04-2bf363a28d9e (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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