ACA plans available
54
Plan year
2026 data Public-data reference. official source
Gray, Texas Health Insurance
Open-data reference.
54 ACA plans from 4 issuers — Plan year 2026
Gray, Texas offers 54 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $398/mo and Silver plans start at $631/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$693
Avg Silver Premium/mo
$635
Benchmark Premium/mo
+42.9%
Year-over-Year Change
$4,308
Avg Deductible
What the Numbers Say About Gray
Gray, Texas has 54 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $693/mo for a 27-year-old non-tobacco user, with the lowest Silver at $631 and the highest at $857. Bronze plans start at $398/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $635/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,308 and the average out-of-pocket maximum is $9,083 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Gray shifted by +42.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Gray, consumers have meaningful competition to pressure premiums lower. 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
3 plans$410/mo avg
$398 — $432
Silver
20 plans$693/mo avg
$631 — $857
Gold
20 plans$605/mo avg
$555 — $746
Catastrophic plan available: avg $402/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Gray is $635/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
4
Competitive market
Benchmark Silver
$635 /mo
Sets your subsidy ceiling
Avg deductible
$4,308
Across all metal tiers
Gray ACA plans by premium and deductible
Each marker is the Gray average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Gray, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Gray
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Texas | 19 | $542/mo |
| UnitedHealthcare | 14 | $584/mo |
| Ambetter from Superior HealthPlan | 12 | $620/mo |
| Baylor Scott and White Health Plan | 9 | $708/mo |
All Plans in Gray
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $402.48 | $490.82 | $10,600 | $10,600 |
| Blue Advantage Bronze HMO℠ 301 Blue Cross and Blue Shield of Texas | Bronze | HMO | $397.65 | $484.92 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $401.47 | $489.58 | $7,300 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $431.56 | $526.27 | $10,600 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $408.56 | $498.23 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $409.02 | $498.79 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $420.27 | $512.50 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $433.62 | $528.79 | $7,000 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $450.92 | $549.88 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $466.33 | $568.67 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $477.18 | $581.91 | $0 | $10,600 |
| BSW Savers Bronze HMO H S A 006 Baylor Scott and White Health Plan | Expanded Bronze | HMO | $535.00 | $652.41 | $8,000 | $8,000 |
| BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Expanded Bronze | HMO | $543.56 | $662.85 | $7,500 | $10,000 |
| BSW Savers Bronze HMO H S A 009 Baylor Scott and White Health Plan | Expanded Bronze | HMO | $549.92 | $670.60 | $5,300 | $10,600 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $631.32 | $769.87 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $634.56 | $773.82 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $640.52 | $781.09 | $5,000 | $8,650 |
| Blue Advantage Silver HMO℠ 801 Blue Cross and Blue Shield of Texas | Silver | HMO | $652.83 | $796.10 | $4,000 | $9,200 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $655.05 | $798.80 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $658.41 | $802.91 | $6,300 | $8,400 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $659.36 | $804.07 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $663.79 | $809.47 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $664.60 | $810.46 | $5,000 | $8,650 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $666.63 | $812.94 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $672.41 | $819.98 | $1,250 | $10,500 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $674.48 | $822.50 | $3,000 | $8,950 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $675.00 | $823.13 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $675.27 | $823.46 | $3,500 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $689.89 | $841.30 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $690.68 | $842.26 | $3,500 | $9,200 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $691.62 | $843.40 | $0 | $10,150 |
| BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Silver | HMO | $855.77 | $1,043.59 | $6,000 | $8,900 |
| BSW Prime Silver HMO 005 Baylor Scott and White Health Plan | Silver | HMO | $856.11 | $1,044.00 | $3,000 | $9,000 |
| BSW Prime Silver HMO 008 Baylor Scott and White Health Plan | Silver | HMO | $856.79 | $1,044.83 | $5,000 | $8,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $555.19 | $677.03 | $550 | $10,100 |
| Blue Advantage Gold HMO℠ 603 Blue Cross and Blue Shield of Texas | Gold | HMO | $561.29 | $684.47 | $1,000 | $8,200 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $562.61 | $686.08 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $566.67 | $691.04 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $569.24 | $694.17 | $1,700 | $10,150 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $572.79 | $698.49 | $2,000 | $8,200 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $577.21 | $703.88 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $579.87 | $707.14 | $800 | $7,250 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $586.14 | $714.78 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $587.99 | $717.04 | $1,000 | $7,500 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $590.35 | $719.91 | $1,450 | $7,500 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $591.46 | $721.26 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $598.68 | $730.07 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $601.45 | $733.45 | $800 | $7,250 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $601.55 | $733.57 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $603.40 | $735.83 | $1,000 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $612.33 | $746.71 | $1,450 | $7,500 |
| BSW Elite Gold HMO 004 Baylor Scott and White Health Plan | Gold | HMO | $714.37 | $871.15 | $1,550 | $8,100 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Gold | HMO | $714.46 | $871.26 | $2,000 | $8,200 |
| BSW Elite Gold HMO 012 Baylor Scott and White Health Plan | Gold | HMO | $745.99 | $909.71 | $500 | $10,600 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $463/mo | $427 | $486 | 6 | 2 |
| 2023 | $471/mo | $438 | $504 | 20 | 5 |
| 2024 | $481/mo | $432 | $573 | 25 | 5 |
| 2025 | $495/mo | $424 | $546 | 19 | 4 |
| 2026 | $693/mo | $631 | $857 | 20 | 4 |
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
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Texas
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PlainHospital — CMS star ratings and safety scores
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PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
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PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Gray, TX?
There are 54 ACA marketplace plans available in Gray from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Gray?
The lowest-premium plan in Gray starts at $398/mo (Bronze tier, age 27). Silver plans start at $631/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Gray?
The benchmark (second-lowest Silver) premium in Gray is $635/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 Gray?
Average premiums in Gray changed by +42.9% 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 Gray?
The average annual deductible across all plans in Gray is $4,308, and the average out-of-pocket maximum is $9,083. 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 Gray?
There are 4 insurance issuers offering ACA marketplace plans in Gray, including Blue Cross and Blue Shield of Texas, UnitedHealthcare, Ambetter from Superior HealthPlan, 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.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
