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Texas · 2026 plan year

Gold health insurance plans in Texas (2026)

There are 277 Gold plans on the Texas Marketplace from 15 insurers, and they are not interchangeable — premiums run from $365 to $810 a month for the same metal tier. Here is what separates them.

277
Gold plans
15
Insurers
254
Counties covered
$365
Cheapest premium
$2,000
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 Gold plan in Texas costs 2.2× the cheapest.

Gold plans here run from $365 to $810 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 277 plans is right for you.

One carrier files 62% of Texas's Gold plans.

Blue Cross and Blue Shield of Texas accounts for 173 of the 277 Gold 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 Gold plan costs in Texas in 2026

Across all 277 Gold plans in Texas, monthly premiums run from $365 to $810, averaging $540. 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

Gold plan deductibles in Texas

Gold deductibles in Texas run from $0 to $3,300, with a median of $2,000 across the 269 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 $1,682 because the spread is not symmetric. Some Texas Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 8 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

Gold out-of-pocket maximums in Texas

Individual out-of-pocket maximums on Texas Gold plans run from $5,000 to $10,600, with a median of $8,200. 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 Gold plans in Texas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
MyBlue Health Gold℠ 403Blue Cross and Blue Shield of Texas$365$500$8,500
BSW Elite Gold HMO 004Baylor Scott and White Health Plan$368$1,550$8,100
BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay)Baylor Scott and White Health Plan$368$2,000$8,200
BSW Elite Gold HMO 012Baylor Scott and White Health Plan$384$500$10,600
Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice$392$2,000$9,200

Showing 5 of 277. See all Texas Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Texas173$365$581$500–$2,400
Oscar Insurance Company35$443$474$1,200–$3,300
Ambetter from Superior HealthPlan12$424$468$800–$2,000
UnitedHealthcare11$426$466$1,000–$2,000
Cigna Healthcare8$599$610$1,400–$3,000
Molina Healthcare7$462$470$750–$2,000
Community Health Choice6$392$426$2,000–$2,500
WellPoint6$444$457$700–$2,000
CHRISTUS Health Plan5$397$413$0–$2,000
Baylor Scott and White Health Plan4$368$400$500–$2,000
Imperial Insurance Companies, Inc.3$433$435$0–$2,000
Community First2$417$427$0–$2,000
Harbor Health2$447$470$0–$2,000
Sendero Health Plans, Local Nonprofit2$452$456$350–$2,000
Moda Health Plan, Inc.1$619$619$2,000
Other tiers in Texas

How Gold compares to the rest

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

All TexasMarketplace plans →

Nearby on price

States with similar Gold premiums

Ohio
Avg $536
55 Gold plans
South Dakota
Avg $555
20 Gold plans
North Carolina
Avg $558
49 Gold plans
Common questions

Texas Gold plans, answered

What are the copays on Texas Gold 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 277 Gold plans in Texas, out-of-pocket maximums run $5,000 to $10,600, and deductibles on the 269 plans with one combined deductible run $0 to $3,300. The other 8 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 Gold plan in Texas?
Any Texas Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Texas Gold plans?
Gold deductibles in Texas run from $0 to $3,300 across the 269 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 8 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,000 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 Gold plans available in my Texas county?
Gold plans are sold in 254 Texas counties, from 15 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 Gold premiums in Texas start at $365 a month before any subsidy.

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