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Texas · 2026 plan year

Silver health insurance plans in Texas (2026)

There are 303 Silver plans on the Texas Marketplace from 15 insurers, and they are not interchangeable — premiums run from $422 to $947 a month for the same metal tier. Here is what separates them.

303
Silver plans
15
Insurers
254
Counties covered
$422
Cheapest premium
$5,900
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.

In Texas, Silver costs more than Gold.

The average Silver plan in Texas runs $623 a month against $540 for Gold — $83 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.

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

Silver plans here run from $422 to $947 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 303 plans is right for you.

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 Silver plan costs in Texas in 2026

Across all 303 Silver plans in Texas, monthly premiums run from $422 to $947, averaging $623. 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

Silver plan deductibles in Texas

Silver deductibles in Texas run from $0 to $9,900, with a median of $5,900 across the 297 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 $4,166 because the spread is not symmetric. Some Texas Silver 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 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

Silver out-of-pocket maximums in Texas

Individual out-of-pocket maximums on Texas Silver plans run from $5,990 to $10,600, with a median of $9,300. 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 Silver plans in Texas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
MyBlue Health Silver℠ 405Blue Cross and Blue Shield of Texas$422$1,500$10,600
BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay)Baylor Scott and White Health Plan$441$6,000$8,900
BSW Prime Silver HMO 005Baylor Scott and White Health Plan$441$3,000$9,000
BSW Prime Silver HMO 008Baylor Scott and White Health Plan$441$5,000$8,500
Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice$459$4,500$9,000

Showing 5 of 303. See all Texas Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Texas173$422$684$0–$6,000
Oscar Insurance Company59$506$547$5,500–$6,500
Ambetter from Superior HealthPlan18$463$517$5,000–$6,300
UnitedHealthcare11$498$531$2,950–$6,000
WellPoint7$532$548$1,850–$6,000
Cigna Healthcare6$742$755$4,000–$6,000
Community Health Choice6$459$503$2,800–$6,000
CHRISTUS Health Plan5$462$481$5,990–$6,900
Molina Healthcare5$538$547$6,000–$7,000
Baylor Scott and White Health Plan3$441$441$3,000–$6,000
Sendero Health Plans, Local Nonprofit3$476$495$0–$6,000
Community First2$498$504$0–$6,000
Harbor Health2$510$542$6,000–$9,900
Imperial Insurance Companies, Inc.2$475$479$6,000–$7,500
Moda Health Plan, Inc.1$720$720$6,000
Other tiers in Texas

How Silver compares to the rest

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

All TexasMarketplace plans →

Nearby on price

States with similar Silver premiums

Delaware
Avg $594
10 Silver plans
Arkansas
Avg $644
17 Silver plans
Nebraska
Avg $654
60 Silver plans
Common questions

Texas Silver plans, answered

What are the copays on Texas Silver 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 303 Silver plans in Texas, out-of-pocket maximums run $5,990 to $10,600, and deductibles on the 297 plans with one combined deductible run $0 to $9,900. 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 Silver plan in Texas?
Anyone eligible to buy Marketplace coverage in Texas can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($623 a month on average) is higher than Gold in some states.
What is the deductible on Texas Silver plans?
Silver deductibles in Texas run from $0 to $9,900 across the 297 plans with one combined deductible, with a median of $5,900 — 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 $5,990 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 Silver plans available in my Texas county?
Silver 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 Silver premiums in Texas start at $422 a month before any subsidy.

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