SimpliveraCoverage Companion
Texas · 2026 plan year

Bronze health insurance plans in Texas (2026)

There are 225 Bronze plans on the Texas Marketplace from 11 insurers, and they are not interchangeable — premiums run from $276 to $594 a month for the same metal tier. Here is what separates them.

225
Bronze plans
11
Insurers
254
Counties covered
$276
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Bronze plan in Texas costs 2.2× the cheapest.

Bronze plans here run from $276 to $594 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 225 plans is right for you.

One carrier files 77% of Texas's Bronze plans.

Blue Cross and Blue Shield of Texas accounts for 173 of the 225 Bronze plans in Texas. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Texas in 2026

Across all 225 Bronze plans in Texas, monthly premiums run from $276 to $594, averaging $410. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Texas enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Texas

Bronze deductibles in Texas run from $4,000 to $10,600, with a median of $7,500 across the 219 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,274 because the spread is not symmetric. The other 6 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Texas

Individual out-of-pocket maximums on Texas Bronze plans run from $7,500 to $10,600, with a median of $10,150. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Texas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
BSW Savers Bronze HMO H S A 006Baylor Scott and White Health Plan$276$8,000$8,000
MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas$278$5,000$9,000
BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay)Baylor Scott and White Health Plan$280$7,500$10,000
BSW Savers Bronze HMO H S A 009Baylor Scott and White Health Plan$283$5,300$10,600
Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice$293$9,800$10,600

Showing 5 of 225. See all Texas Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Texas173$278$423$5,000–$10,600
UnitedHealthcare9$350$367$7,500–$10,600
Cigna Healthcare8$488$498$5,750–$8,500
CHRISTUS Health Plan7$297$307$7,450–$10,600
WellPoint7$327$339$4,000–$7,500
Oscar Insurance Company6$324$339$4,700–$9,000
Community Health Choice5$293$326$7,500–$9,800
Baylor Scott and White Health Plan3$276$280$5,300–$8,000
Moda Health Plan, Inc.3$433$446$7,500–$8,700
Imperial Insurance Companies, Inc.2$301$312$7,500–$9,200
Sendero Health Plans, Local Nonprofit2$339$349$7,500–$8,550
Other tiers in Texas

How Bronze compares to the rest

Bronze
Avg $410 · from $276
225 plans · you are here
Silver
Avg $623 · from $422
303 plans
Gold
Avg $540 · from $365
277 plans

All TexasMarketplace plans →

Nearby on price

States with similar Bronze premiums

South Dakota
Avg $406
21 Bronze plans
Montana
Avg $411
29 Bronze plans
North Carolina
Avg $414
83 Bronze plans
Common questions

Texas Bronze plans, answered

What are the copays on Texas Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 225 Bronze plans in Texas, out-of-pocket maximums run $7,500 to $10,600, and deductibles on the 219 plans with one combined deductible run $4,000 to $10,600. The other 6 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Texas?
Any Texas Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Texas Bronze plans?
Bronze deductibles in Texas run from $4,000 to $10,600 across the 219 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 6 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,500 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Texas county?
Bronze plans are sold in 254 Texas counties, from 11 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Texas?
Texas uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Texas start at $276 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 225 Texas Bronze plans.

Estimate my costs — it’s free →