Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
Imperial Preferred Gold Zero
Imperial Insurance Companies, Inc. · 2026 plan year
Gold
- Ind. deductible
- $0
- Family deductible
- $0
- Ind. OOP max
- $9,200
- Family OOP max
- $18,400
Other cost-sharing reduction variants for this plan:
More Imperial Insurance Companies, Inc. plans in TX
Monthly premiums by age
Rating Area 10 — the lowest-priced of the 7 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $333 | $333 |
| 21 | $435 | $501 |
| 30 | $494 | $568 |
| 40 | $556 | $640 |
| 50 | $777 | $894 |
| 60 | $1,181 | $1,359 |
| 64 and over | $1,306 | $1,502 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | $10.00 |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $40.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | 50.00% |
| Inpatient Hospital Services (e.g., Hospital Stay) | 50.00% |
| Outpatient Surgery Physician/Surgical Services | 50.00% |
| Urgent Care Centers or Facilities | $75.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $10.00 |
| Non-Preferred Brand Drugs | 50.00% |
| Preferred Brand Drugs | 20.00% |
| Specialty Drugs | 50.00% |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 50.00% |
| Mental/Behavioral Health Outpatient Services | $10.00 |
Other
| Benefit | In-network |
|---|---|
| Routine Eye Exam for Children | No charge |
| Routine Foot Care | Not covered |
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | 50.00% |
| Acupuncture | Not covered |
| Allergy Testing | 50.00% |
| Bariatric Surgery | Not covered |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | 50.00% |
| Biomarker Testing | 50.00% |
| Chemotherapy | 50.00% |
| Chiropractic Care | 50.00% |
| Cosmetic Surgery | Not covered |
| Delivery and All Inpatient Services for Maternity Care | 50.00% |
| Dental Check-Up for Children | No charge |
| Diabetes Education | 50.00% |
| Dialysis | 50.00% |
| Durable Medical Equipment | 50.00% |
| Emergency Transportation/Ambulance | 50.00% |
| Eye Glasses for Children | No charge |
| Gender Affirming Care | Not covered |
| Rehabilitative Speech Therapy | $20.00 |
| Habilitation Services | 50.00% |
| Hearing Aids | 50.00% |
| Home Health Care Services | 50.00% |
| Hospice Services | 50.00% |
| Imaging (CT/PET Scans, MRIs) | 50.00% |
| Infertility Treatment | Not covered |
| Infusion Therapy | 50.00% |
| Inpatient Physician and Surgical Services | 50.00% |
| Laboratory Outpatient and Professional Services | 50.00% |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | 50.00% |
| Nutritional Counseling | Not covered |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | 50.00% |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | 50.00% |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 50.00% |
| Outpatient Rehabilitation Services | 50.00% |
| Prenatal and Postnatal Care | $10.00 |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 50.00% |
| Radiation | 50.00% |
| Reconstructive Surgery | 50.00% |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $20.00 |
| Skilled Nursing Facility | 50.00% |
| Substance Abuse Disorder Inpatient Services | 50.00% |
| Substance Abuse Disorder Outpatient Services | $10.00 |
| Transplant | 50.00% |
| Treatment for Temporomandibular Joint Disorders | 50.00% |
| Weight Loss Programs | Not covered |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | 50.00% |
Service area
This plan covers 13 geographic areas.
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