2026 data Public-data reference. official source

Fort Bend, Texas Health Insurance

Open-data reference.

107 ACA plans from 7 issuers - Plan year 2026

Fort Bend, Texas offers 107 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $382/mo and Silver plans start at $531/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.

$612
Avg Silver Premium/mo
$532
Benchmark Premium/mo
+34.7%
Year-over-Year Change
$4,392
Avg Deductible

What the Numbers Say About Fort Bend

Fort Bend, Texas has 107 ACA marketplace plans offered by 7 issuers for plan year 2026. The average Silver-tier premium comes in at $612/mo for a 27-year-old non-tobacco user, with the lowest Silver at $531 and the highest at $867. Bronze plans start at $382/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.

The benchmark (second-lowest Silver) premium is $532/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 $4,392 and the average out-of-pocket maximum is $9,180 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Fort Bend shifted by +34.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.

Issuer count is one of the strongest predictors of affordability: with 7 issuers active in Fort Bend, consumers have meaningful competition to pressure premiums lower. HMO is the most common network type in Fort Bend, with EPO and POS rounding out the alternatives. 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
$442/mo avg
$382 - $503

Silver

42 plans
$612/mo avg
$531 - $867

Gold

36 plans
$539/mo avg
$455 - $742

Catastrophic plan available: avg $394/mo (2 plans) - only for individuals under 30 or with a hardship exemption.

Benchmark Premium & Subsidies

The benchmark premium (2nd-lowest Silver plan) in Fort Bend is $532/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.

ACA plans available

107

Plan year 2026

Issuers in market

7

Competitive market

Benchmark Silver

$532 /mo

Sets your subsidy ceiling

Avg deductible

$4,392

Across all metal tiers

Fort Bend ACA plans by premium and deductible

Each marker is the Fort Bend 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 Fort Bend, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).

Source: CMS Marketplace Public Use Files for Fort Bend, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible). Scatter plot of 5 data points. 020004000600080001000012000 350400450500550600650 Monthly premium ($, age 27) Avg annual deductible ($) Catastrophic (2 plans)Bronze (2 plans)Expanded Bronze (25 plans)Silver (42 plans)Gold (36 plans)
Source: CMS Marketplace Public Use Files for Fort Bend, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).

Issuers in Fort Bend

Issuer Plans Avg Premium (Age 27)
Oscar Insurance Company 23 $493/mo
Blue Cross and Blue Shield of Texas 22 $586/mo
WellPoint 21 $526/mo
UnitedHealthcare 15 $494/mo
Ambetter from Superior HealthPlan 12 $574/mo
Community Health Choice 8 $519/mo
Ambetter from Superior HealthPlan 6 $540/mo

All Plans in Fort Bend

Plan Name Metal Type Premium (27) Premium (40) Deductible OOP Max
Wellpoint Essential Catastrophic (+ Incentives)
WellPoint
Catastrophic HMO $370.65 $451.99 $10,600 $10,600
Blue Advantage Security HMO℠ 200
Blue Cross and Blue Shield of Texas
Catastrophic HMO $416.89 $508.39 $10,600 $10,600
UHC Bronze Essential ($0 Virtual Urgent Care)
UnitedHealthcare
Bronze HMO $381.51 $465.24 $10,600 $10,600
Blue Advantage Plus Bronze℠ 305
Blue Cross and Blue Shield of Texas
Bronze POS $503.46 $613.95 $7,300 $10,600
MyBlue Health Bronze℠ Standard
Blue Cross and Blue Shield of Texas
Expanded Bronze HMO $352.66 $430.06 $7,500 $10,000
MyBlue Health Bronze℠ 402
Blue Cross and Blue Shield of Texas
Expanded Bronze HMO $366.24 $446.62 $5,000 $9,000
Bronze Simple Breathe Easy with Enhanced COPD Benefits
Oscar Insurance Company
Expanded Bronze EPO $369.91 $451.09 $9,000 $10,600
UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded
UnitedHealthcare
Expanded Bronze HMO $371.35 $452.85 $0 $10,600
Bronze Classic Standard
Oscar Insurance Company
Expanded Bronze EPO $382.55 $466.51 $7,500 $10,000
UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)
UnitedHealthcare
Expanded Bronze HMO $383.93 $468.19 $0 $10,600
Bronze Classic 4700
Oscar Insurance Company
Expanded Bronze EPO $387.15 $472.12 $4,700 $9,800
Bronze Simple Diabetes
Oscar Insurance Company
Expanded Bronze EPO $388.32 $473.55 $5,500 $10,150
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Expanded Bronze HMO $390.12 $475.74 $6,000 $10,600
Bronze Simple Chronic Care CKM
Oscar Insurance Company
Expanded Bronze EPO $394.83 $481.48 $5,500 $10,150
Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Expanded Bronze HMO $395.42 $482.20 $7,500 $10,000
Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs)
WellPoint
Expanded Bronze HMO $396.61 $483.65 $6,000 $10,600
UHC Bronze Standard
UnitedHealthcare
Expanded Bronze HMO $398.63 $486.11 $7,500 $10,000
Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Expanded Bronze HMO $404.24 $492.96 $8,500 $10,600
Bronze Elite + PCP Saver Plus
Oscar Insurance Company
Expanded Bronze EPO $404.51 $493.29 $0 $10,150
Wellpoint Essential Bronze 4000 HSA (+ Incentives)
WellPoint
Expanded Bronze HMO $407.21 $496.58 $4,000 $8,450
Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Expanded Bronze POS $411.66 $502.01 $5,500 $10,600
UHC Bronze Standard+ (Dental + Vision)
UnitedHealthcare
Expanded Bronze HMO $412.25 $502.73 $7,500 $10,000
Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Expanded Bronze POS $415.22 $506.34 $7,500 $10,000
Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Expanded Bronze POS $416.23 $507.58 $4,500 $10,600
Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Expanded Bronze HMO $416.44 $507.84 $7,500 $10,000
Blue Advantage Bronze HMO℠ Standard
Blue Cross and Blue Shield of Texas
Expanded Bronze HMO $423.19 $516.07 $7,500 $10,000
Blue Advantage Bronze HMO℠ 204
Blue Cross and Blue Shield of Texas
Expanded Bronze HMO $423.67 $516.66 $6,000 $10,150
Blue Advantage Plus Bronze℠ Standard
Blue Cross and Blue Shield of Texas
Expanded Bronze POS $527.03 $642.69 $7,500 $10,000
Blue Advantage Plus Bronze℠ 303
Blue Cross and Blue Shield of Texas
Expanded Bronze POS $543.78 $663.12 $7,000 $10,150
Silver Simple Guided Care
Oscar Insurance Company
Silver HMO $530.67 $647.14 $6,300 $9,300
UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded
UnitedHealthcare
Silver HMO $531.99 $648.75 $0 $9,200
Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Silver HMO $532.60 $649.49 $4,500 $9,000
Silver Simple Diabetes Guided Care
Oscar Insurance Company
Silver HMO $536.84 $654.66 $6,500 $10,000
Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care
Oscar Insurance Company
Silver HMO $540.62 $659.27 $6,200 $9,600
Silver Simple Chronic Care CKM Guided Care
Oscar Insurance Company
Silver HMO $541.01 $659.75 $5,900 $10,150
Silver Simple Women's Health with Menopause Benefits Guided Care
Oscar Insurance Company
Silver HMO $542.51 $661.58 $6,000 $10,150
UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision)
UnitedHealthcare
Silver HMO $544.15 $663.57 $0 $9,200
Standard Silver VALUE
Ambetter from Superior HealthPlan
Silver HMO $546.33 $666.23 $6,000 $8,900
Focused VALUE Silver
Ambetter from Superior HealthPlan
Silver HMO $549.11 $669.62 $6,300 $8,400
Silver Classic Standard Guided Care
Oscar Insurance Company
Silver HMO $549.69 $670.32 $6,000 $8,900
Silver Simple PCP Saver Guided Care
Oscar Insurance Company
Silver HMO $553.73 $675.26 $5,750 $10,150
MyBlue Health Silver℠ Standard
Blue Cross and Blue Shield of Texas
Silver HMO $556.21 $678.27 $6,000 $8,900
MyBlue Health Silver℠ 405
Blue Cross and Blue Shield of Texas
Silver HMO $557.09 $679.35 $1,500 $10,600
Standard Silver VALUE + Vision + Adult Dental
Ambetter from Superior HealthPlan
Silver HMO $566.99 $691.42 $6,000 $8,900
Focused VALUE Silver + Vision + Adult Dental
Ambetter from Superior HealthPlan
Silver HMO $569.87 $694.94 $6,300 $8,400
Standard Silver
Ambetter from Superior HealthPlan
Silver EPO $583.70 $711.80 $6,000 $8,900
Focused Silver
Ambetter from Superior HealthPlan
Silver EPO $586.69 $715.45 $6,300 $8,400
UHC Silver Standard
UnitedHealthcare
Silver HMO $586.81 $715.60 $6,000 $8,900
Silver Simple PCP Saver
Oscar Insurance Company
Silver EPO $590.41 $719.99 $5,750 $10,150
Enhanced Diabetes Care Silver with $0 Drug Options
Ambetter from Superior HealthPlan
Silver EPO $592.20 $722.17 $5,000 $8,650
Silver Classic Standard
Oscar Insurance Company
Silver EPO $594.44 $724.90 $6,000 $8,900
UHC Silver Value ($0 Virtual Urgent Care)
UnitedHealthcare
Silver HMO $596.26 $727.12 $3,000 $8,950
Silver Classic
Oscar Insurance Company
Silver EPO $602.48 $734.70 $5,500 $8,900
Standard Silver + Vision + Adult Dental
Ambetter from Superior HealthPlan
Silver EPO $605.63 $738.55 $6,000 $8,900
Focused Silver + Vision + Adult Dental
Ambetter from Superior HealthPlan
Silver EPO $608.74 $742.34 $6,300 $8,400
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision)
UnitedHealthcare
Silver HMO $609.88 $743.73 $3,000 $8,950
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
Ambetter from Superior HealthPlan
Silver EPO $614.47 $749.32 $5,000 $8,650
Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Silver HMO $633.56 $772.60 $6,000 $8,900
Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Silver HMO $634.15 $773.33 $2,800 $10,600
Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver HMO $634.85 $774.17 $6,000 $8,900
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver HMO $640.77 $781.39 $3,500 $9,950
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver HMO $643.42 $784.63 $1,850 $9,100
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver HMO $647.31 $789.37 $3,500 $9,950
Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver POS $666.66 $812.97 $6,000 $8,900
Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver POS $671.57 $818.96 $4,000 $9,550
Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Silver POS $671.85 $819.30 $2,500 $9,900
Blue Advantage Silver HMO℠ Standard
Blue Cross and Blue Shield of Texas
Silver HMO $682.97 $832.86 $6,000 $8,900
Blue Advantage Silver HMO℠ 205
Blue Cross and Blue Shield of Texas
Silver HMO $690.51 $842.05 $1,450 $10,600
Blue Advantage Plus Silver℠ 202
Blue Cross and Blue Shield of Texas
Silver POS $843.21 $1,028.27 $1,250 $10,500
Blue Advantage Plus Silver℠ Standard
Blue Cross and Blue Shield of Texas
Silver POS $846.47 $1,032.24 $6,000 $8,900
Blue Advantage Plus Silver℠ 605
Blue Cross and Blue Shield of Texas
Silver POS $867.30 $1,057.65 $0 $10,150
Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Gold HMO $455.05 $554.92 $2,000 $9,200
Gold Simple Guided Care
Oscar Insurance Company
Gold HMO $465.85 $568.08 $3,300 $9,950
Gold Classic Standard Guided Care
Oscar Insurance Company
Gold HMO $468.26 $571.02 $2,000 $8,200
Gold Simple Diabetes Guided Care
Oscar Insurance Company
Gold HMO $470.39 $573.63 $2,000 $9,800
Gold Classic Guided Care
Oscar Insurance Company
Gold HMO $475.51 $579.87 $2,500 $8,000
MyBlue Health Gold℠ 403
Blue Cross and Blue Shield of Texas
Gold HMO $482.04 $587.83 $500 $8,500
MyBlue Health Gold℠ Standard
Blue Cross and Blue Shield of Texas
Gold HMO $489.25 $596.62 $2,000 $8,200
Standard Gold VALUE
Ambetter from Superior HealthPlan
Gold HMO $499.53 $609.16 $2,000 $8,200
Gold Classic Standard
Oscar Insurance Company
Gold EPO $505.78 $616.79 $2,000 $8,200
UHC Gold Standard
UnitedHealthcare
Gold HMO $506.36 $617.49 $2,000 $8,200
UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx)
UnitedHealthcare
Gold HMO $506.51 $617.67 $0 $7,800
Complete VALUE Gold
Ambetter from Superior HealthPlan
Gold HMO $510.80 $622.90 $1,450 $7,500
Gold Classic
Oscar Insurance Company
Gold EPO $513.68 $626.42 $2,500 $8,000
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx)
UnitedHealthcare
Gold HMO $519.80 $633.88 $1,000 $7,500
UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision)
UnitedHealthcare
Gold HMO $520.13 $634.28 $0 $7,800
Gold Elite
Oscar Insurance Company
Gold EPO $524.32 $639.39 $1,200 $7,800
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold HMO $529.86 $646.14 $800 $9,000
Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold HMO $532.11 $648.89 $2,000 $8,200
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold HMO $533.01 $649.99 $1,500 $5,000
UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision)
UnitedHealthcare
Gold HMO $533.43 $650.50 $1,000 $7,500
Standard Gold
Ambetter from Superior HealthPlan
Gold EPO $533.67 $650.79 $2,000 $8,200
Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Gold HMO $535.29 $652.77 $2,000 $8,200
Everyday Gold
Ambetter from Superior HealthPlan
Gold EPO $536.13 $653.79 $800 $7,250
Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Community Health Choice
Gold HMO $539.37 $657.74 $2,500 $7,500
Complete Gold
Ambetter from Superior HealthPlan
Gold EPO $545.81 $665.60 $1,450 $7,500
Standard Gold + Vision + Adult Dental
Ambetter from Superior HealthPlan
Gold EPO $553.52 $675.00 $2,000 $8,200
Everyday Gold + Vision + Adult Dental
Ambetter from Superior HealthPlan
Gold EPO $556.08 $678.13 $800 $7,250
Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold POS $556.54 $678.68 $700 $7,500
Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold POS $558.74 $681.37 $2,000 $8,200
Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
WellPoint
Gold POS $559.98 $682.87 $1,000 $8,950
Complete Gold + Vision + Adult Dental
Ambetter from Superior HealthPlan
Gold EPO $566.14 $690.38 $1,450 $7,500
Blue Advantage Gold HMO℠ 206
Blue Cross and Blue Shield of Texas
Gold HMO $575.08 $701.29 $550 $10,100
Blue Advantage Gold HMO℠ Standard
Blue Cross and Blue Shield of Texas
Gold HMO $586.97 $715.80 $2,000 $8,200
Blue Advantage Plus Gold℠ 803
Blue Cross and Blue Shield of Texas
Gold POS $705.52 $860.36 $2,400 $10,400
Blue Advantage Plus Gold℠ 203
Blue Cross and Blue Shield of Texas
Gold POS $713.85 $870.51 $1,700 $10,150
Blue Advantage Plus Gold℠ Standard
Blue Cross and Blue Shield of Texas
Gold POS $741.71 $904.49 $2,000 $8,200

Silver Premium Trend (2022-2026)

Year Avg Premium Min Max Plans Issuers
2022 $384/mo $304 $507 77 10
2023 $436/mo $341 $603 45 8
2024 $459/mo $378 $606 42 8
2025 $468/mo $374 $648 46 9
2026 $612/mo $531 $867 42 7

Frequently Asked Questions

How many ACA plans are available in Fort Bend, TX?

There are 107 ACA marketplace plans available in Fort Bend from 7 insurance issuers for plan year 2026.

What is the cheapest health insurance plan in Fort Bend?

The lowest-premium plan in Fort Bend starts at $382/mo (Bronze tier, age 27). Silver plans start at $531/mo. Actual premiums vary by age and may be reduced by premium tax credits.

What is the benchmark premium for Fort Bend?

The benchmark (second-lowest Silver) premium in Fort Bend is $532/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 Fort Bend?

Average premiums in Fort Bend changed by +34.7% 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 Fort Bend?

The average annual deductible across all plans in Fort Bend is $4,392, and the average out-of-pocket maximum is $9,180. 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 Fort Bend?

There are 7 insurance issuers offering ACA marketplace plans in Fort Bend, including Oscar Insurance Company, Blue Cross and Blue Shield of Texas, WellPoint, and others. 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.

Counties With a Similar Benchmark Premium

The closest counties nationwide to Fort Bend, TX's $532/mo benchmark premium.

Data sources

Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial

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