ACA plans available
44
Plan year 2026
2026 data Public-data reference. official source
Bee, Texas Health Insurance
Open-data reference.
44 ACA plans from 3 issuers — Plan year 2026
Bee, Texas offers 44 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $392/mo and Silver plans start at $554/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$656
Avg Silver Premium/mo
$570
Benchmark Premium/mo
+31.3%
Year-over-Year Change
$5,188
Avg Deductible
What the Numbers Say About Bee
Bee, Texas has 44 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $656/mo for a 27-year-old non-tobacco user, with the lowest Silver at $554 and the highest at $770. Bronze plans start at $392/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $570/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,188 and the average out-of-pocket maximum is $9,441 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Bee shifted by +31.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Bee, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
2 plans$419/mo avg
$392 — $447
Silver
13 plans$656/mo avg
$554 — $770
Gold
15 plans$550/mo avg
$463 — $658
Catastrophic plan available: avg $370/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Bee is $570/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$570 /mo
Sets your subsidy ceiling
Avg deductible
$5,188
Across all metal tiers
Bee ACA plans by premium and deductible
Each marker is the Bee average for one metal tier — monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Bee, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Bee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Texas | 16 | $604/mo |
| UnitedHealthcare | 14 | $530/mo |
| CHRISTUS Health Plan | 14 | $443/mo |
All Plans in Bee
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| CHRISTUS Catastrophic (3 Free PCP visits) CHRISTUS Health Plan | Catastrophic | HMO | $292.23 | $356.37 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $447.87 | $546.17 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $391.51 | $477.43 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $446.75 | $544.80 | $7,300 | $10,600 |
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $351.96 | $429.20 | $7,500 | $10,000 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $356.61 | $434.88 | $8,500 | $9,900 |
| CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $356.71 | $434.99 | $7,450 | $9,850 |
| CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $366.31 | $446.70 | $8,500 | $9,900 |
| CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $366.82 | $447.33 | $7,450 | $9,850 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $409.07 | $498.84 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $423.05 | $515.89 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $432.89 | $527.90 | $0 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $454.64 | $554.42 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $455.16 | $555.05 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $467.67 | $570.31 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $482.53 | $588.43 | $7,000 | $10,150 |
| CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $554.16 | $675.78 | $6,000 | $8,900 |
| CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $569.68 | $694.71 | $6,900 | $9,300 |
| CHRISTUS Silver Essential 70 + Dental & Vision ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $585.82 | $714.38 | $6,900 | $9,300 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $602.18 | $734.34 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $611.88 | $746.16 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $612.59 | $747.04 | $3,500 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $625.86 | $763.21 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $626.57 | $764.09 | $3,500 | $9,200 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $733.72 | $894.74 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $741.81 | $904.61 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $748.24 | $912.45 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $751.13 | $915.98 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $769.62 | $938.52 | $0 | $10,150 |
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $462.65 | $564.18 | $2,000 | $8,200 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $468.98 | $571.90 | $3,750 | $9,200 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $481.60 | $587.30 | $3,750 | $9,200 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $487.93 | $595.01 | $0 | $9,200 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $503.44 | $613.92 | $0 | $9,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $519.62 | $633.66 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $531.74 | $648.44 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $533.42 | $650.49 | $1,000 | $7,500 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $545.72 | $665.49 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $547.40 | $667.54 | $1,000 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $617.81 | $753.39 | $550 | $10,100 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $626.06 | $763.46 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $630.58 | $768.97 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $633.45 | $772.47 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $658.18 | $802.62 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $450/mo | $397 | $477 | 7 | 2 |
| 2023 | $473/mo | $390 | $563 | 15 | 3 |
| 2024 | $485/mo | $428 | $566 | 20 | 4 |
| 2025 | $504/mo | $450 | $604 | 15 | 3 |
| 2026 | $656/mo | $554 | $770 | 13 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Texas ACA Data
All of Texas
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Bee, TX?
There are 44 ACA marketplace plans available in Bee from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Bee?
The lowest-premium plan in Bee starts at $392/mo (Bronze tier, age 27). Silver plans start at $554/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Bee?
The benchmark (second-lowest Silver) premium in Bee is $570/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Bee?
Average premiums in Bee changed by +31.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Bee?
The average annual deductible across all plans in Bee is $5,188, and the average out-of-pocket maximum is $9,441. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Bee?
There are 3 insurance issuers offering ACA marketplace plans in Bee, including Blue Cross and Blue Shield of Texas, UnitedHealthcare, CHRISTUS Health Plan. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
