SimpliveraCoverage Companion
Texas · 2026 plan year

Gold health insurance plans in Texas

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
$1,661
Average 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.

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 average
Blue Cross and Blue Shield of Texas173$365$581
Oscar Insurance Company35$443$474
Ambetter from Superior HealthPlan12$424$468
UnitedHealthcare11$426$466
Cigna Healthcare8$599$610
Molina Healthcare7$462$470
Community Health Choice6$392$426
WellPoint6$444$457
CHRISTUS Health Plan5$397$413
Baylor Scott and White Health Plan4$368$400
Imperial Insurance Companies, Inc.3$433$435
Community First2$417$427
Harbor Health2$447$470
Sendero Health Plans, Local Nonprofit2$452$456
Moda Health Plan, Inc.1$619$619
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

Alabama
Avg $537
18 Gold plans
Wisconsin
Avg $553
104 Gold plans
South Dakota
Avg $555
20 Gold plans
Common questions

Texas Gold plans, answered

What are the copays on a Texas Gold plan?
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. Across the 277 Gold plans in Texas, deductibles average $1,661 and the out-of-pocket maximum averages $8,903. 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 — averaging $1,661 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 a Texas Gold plan?
The average across all 277 Gold plans in Texas is $1,661, with an average out-of-pocket maximum of $8,903. The range within the 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 Texas Marketplace plan?
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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