ACA plans available
121
Plan year 2026
CMS Marketplace county · plan year 2026
Harris, Texas ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $625
- Silver avg/mo
- 121
- ACA plans
- 9
- Issuers
- +29.6%
- YoY premium
Silver avg $625/mo
Harris, Texas has 121 ACA marketplace plans from 9 issuers (plan year 2026). Average Silver premium is $625/mo; Bronze averages $411/mo and Gold $549/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1099 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $486/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Harris, Texas ranks #1,099 of 2,055 counties by listed Silver average ($625/mo) and #52 of 2,055 by plan count (121 plans).
- #1,099 of 2,055
- Silver average among 2,055 counties
- $625
- Listed Silver average /mo
- #52 of 2,055
- Plan count among 2,055 counties
- 121
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Harris, Texas offers 121 ACA marketplace plans from 9 issuers for plan year 2026. Bronze plans start at $307/mo and Silver plans start at $481/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$625
Avg Silver Premium/mo
$486
Benchmark Premium/mo
+29.6%
Year-over-Year Change
$4,554
Avg Deductible
Dense plan inventory
Harris marketplace standing
121 plans put Harris in the densest third of county ACA inventories. Corpus place #1099 of 2055 (highest Silver = #1).
Mid-pack Silver avg $625/mo with 121 plans in the densest third of county inventories. YoY average shift: +29.6%. HMO is the most common network type in Harris, with EPO and POS rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
32 plans$411/mo avg
$307 - $622
Silver
46 plans$625/mo avg
$481 - $993
Gold
41 plans$549/mo avg
$411 - $849
Catastrophic plan available: avg $419/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Harris is $486/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.
Issuers in market
9
Competitive market
Benchmark Silver
$486 /mo
Sets your subsidy ceiling
Avg deductible
$4,554
Across all metal tiers
A-
Marketplace Access Score
80/100
Harris
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability C-
$486/mo
Benchmark Silver premium; rank #1099 of 2055 tracked counties (cheapest first)
Plan Choice A+
121 plans
ACA marketplace plan count; rank #52 of 2055 tracked counties (most first)
Issuer Competition A+
9 issuers
Distinct marketplace issuers; rank #13 of 2055 tracked counties (most first)
Cost Predictability A
$4,554
Average deductible across tracked plans; rank #1808 of 2055 tracked counties (lowest first)
Harris ACA plans by premium and deductible
Each marker is the Harris 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.
Harris ACA marketplace plans: premium vs deductible
How Harris's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Harris vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$625 1099th of 2055 higher than 956 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Harris
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 23 | $519/mo |
| Blue Cross and Blue Shield of Texas | 22 | $641/mo |
| WellPoint | 21 | $523/mo |
| UnitedHealthcare | 15 | $518/mo |
| Ambetter from Superior HealthPlan | 12 | $637/mo |
| Community Health Choice | 9 | $486/mo |
| Imperial Insurance Companies, Inc. | 7 | $432/mo |
| Community Health Choice | 6 | $420/mo |
| Ambetter from Superior HealthPlan | 6 | $480/mo |
All Plans in Harris
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint | Catastrophic | HMO | $368.27 | $449.09 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $469.75 | $572.84 | $10,600 | $10,600 |
| Imperial Preferred Bronze Imperial Insurance Companies, Inc. | Bronze | HMO | $315.94 | $385.28 | $9,200 | $9,200 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $400.74 | $488.69 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $576.27 | $702.75 | $7,300 | $10,600 |
| Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $307.11 | $374.51 | $9,800 | $10,600 |
| Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $325.35 | $396.76 | $9,800 | $10,600 |
| MyBlue Health Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $330.69 | $403.26 | $7,500 | $10,000 |
| Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $336.73 | $410.63 | $7,500 | $10,000 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $337.90 | $412.06 | $7,500 | $10,000 |
| MyBlue Health Bronze℠ 402 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $343.42 | $418.79 | $5,000 | $9,000 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $382.01 | $465.85 | $9,000 | $10,600 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $387.60 | $472.67 | $6,000 | $10,600 |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded UnitedHealthcare | Expanded Bronze | HMO | $390.07 | $475.67 | $0 | $10,600 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $392.87 | $479.10 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint | Expanded Bronze | HMO | $394.05 | $480.53 | $6,000 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $395.07 | $481.77 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $399.82 | $487.57 | $4,700 | $9,800 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $401.03 | $489.04 | $5,500 | $10,150 |
| UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $403.28 | $491.79 | $0 | $10,600 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint | Expanded Bronze | HMO | $404.59 | $493.38 | $4,000 | $8,450 |
| Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $405.23 | $494.17 | $8,500 | $10,600 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $407.75 | $497.24 | $5,500 | $10,150 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $409.01 | $498.78 | $5,500 | $10,600 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $412.55 | $503.08 | $7,500 | $10,000 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $413.56 | $504.32 | $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 | $417.46 | $509.08 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $417.75 | $509.43 | $0 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $418.72 | $510.61 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $433.03 | $528.06 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $476.84 | $581.49 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $477.38 | $582.15 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $603.26 | $735.66 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $622.43 | $759.03 | $7,000 | $10,150 |
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $480.71 | $586.21 | $4,500 | $9,000 |
| Standard Silver VALUE Ambetter from Superior HealthPlan | Silver | HMO | $485.50 | $592.05 | $6,000 | $8,900 |
| Focused VALUE Silver Ambetter from Superior HealthPlan | Silver | HMO | $487.97 | $595.06 | $6,300 | $8,400 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $497.61 | $606.82 | $6,000 | $8,900 |
| Standard Silver VALUE + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | HMO | $503.85 | $614.43 | $6,000 | $8,900 |
| Community Ultra Select Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $505.36 | $616.27 | $6,000 | $8,900 |
| Community Ultra Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $506.03 | $617.09 | $4,500 | $9,000 |
| Focused VALUE Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | HMO | $506.41 | $617.56 | $6,300 | $8,400 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $506.93 | $618.19 | $7,500 | $9,500 |
| MyBlue Health Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $521.56 | $636.02 | $6,000 | $8,900 |
| MyBlue Health Silver℠ 405 Blue Cross and Blue Shield of Texas | Silver | HMO | $522.38 | $637.02 | $1,500 | $10,600 |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded UnitedHealthcare | Silver | HMO | $558.80 | $681.44 | $0 | $9,200 |
| Silver Simple Guided Care Oscar Insurance Company | Silver | HMO | $568.95 | $693.82 | $6,300 | $9,300 |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare | Silver | HMO | $571.57 | $697.01 | $0 | $9,200 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company | Silver | HMO | $575.63 | $701.96 | $6,500 | $10,000 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company | Silver | HMO | $579.70 | $706.93 | $6,200 | $9,600 |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company | Silver | HMO | $580.13 | $707.45 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company | Silver | HMO | $581.74 | $709.42 | $6,000 | $10,150 |
| Silver Classic Standard Guided Care Oscar Insurance Company | Silver | HMO | $589.47 | $718.84 | $6,000 | $8,900 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company | Silver | HMO | $593.83 | $724.16 | $5,750 | $10,150 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $609.73 | $743.55 | $5,750 | $10,150 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $613.89 | $748.62 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $616.39 | $751.66 | $6,000 | $8,900 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $622.19 | $758.74 | $5,500 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $626.31 | $763.76 | $3,000 | $8,950 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $630.76 | $769.19 | $6,000 | $8,900 |
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $635.11 | $774.50 | $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 | $635.71 | $775.22 | $2,800 | $10,600 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $636.65 | $776.37 | $3,500 | $9,950 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $639.28 | $779.58 | $1,850 | $9,100 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $640.62 | $781.22 | $3,000 | $8,950 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $643.15 | $784.30 | $3,500 | $9,950 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $647.89 | $790.07 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $651.21 | $794.13 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $657.33 | $801.59 | $5,000 | $8,650 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $662.38 | $807.75 | $6,000 | $8,900 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $667.25 | $813.69 | $4,000 | $9,550 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $667.53 | $814.03 | $2,500 | $9,900 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $672.23 | $819.77 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $675.69 | $823.98 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $682.04 | $831.72 | $5,000 | $8,650 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $769.55 | $938.44 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $778.04 | $948.79 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $965.18 | $1,177.00 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $968.90 | $1,181.54 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $992.75 | $1,210.62 | $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 | $411.32 | $501.60 | $2,000 | $9,200 |
| Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $421.38 | $513.86 | $2,000 | $8,200 |
| Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $425.42 | $518.79 | $2,000 | $9,200 |
| Standard Gold VALUE Ambetter from Superior HealthPlan | Gold | HMO | $443.91 | $541.33 | $2,000 | $8,200 |
| MyBlue Health Gold℠ 403 Blue Cross and Blue Shield of Texas | Gold | HMO | $452.00 | $551.20 | $500 | $8,500 |
| Complete VALUE Gold Ambetter from Superior HealthPlan | Gold | HMO | $453.92 | $553.54 | $1,450 | $7,500 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $454.00 | $553.63 | $2,000 | $8,200 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. | Gold | HMO | $456.21 | $556.33 | $0 | $9,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $458.10 | $558.64 | $1,350 | $9,000 |
| MyBlue Health Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $458.77 | $559.46 | $2,000 | $8,200 |
| Gold Simple Guided Care Oscar Insurance Company | Gold | HMO | $499.13 | $608.67 | $3,300 | $9,950 |
| Gold Classic Standard Guided Care Oscar Insurance Company | Gold | HMO | $501.75 | $611.87 | $2,000 | $8,200 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company | Gold | HMO | $504.05 | $614.67 | $2,000 | $9,800 |
| Gold Classic Guided Care Oscar Insurance Company | Gold | HMO | $509.57 | $621.40 | $2,500 | $8,000 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $522.34 | $636.97 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $526.45 | $641.99 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $528.70 | $644.73 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $529.59 | $645.81 | $1,500 | $5,000 |
| Gold Classic Oscar Insurance Company | Gold | EPO | $530.49 | $646.92 | $2,500 | $8,000 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $531.88 | $648.61 | $2,000 | $8,200 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $532.03 | $648.80 | $0 | $7,800 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $536.60 | $654.37 | $2,000 | $8,200 |
| Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $540.69 | $659.35 | $2,500 | $7,500 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $541.48 | $660.31 | $1,200 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $546.00 | $665.83 | $1,000 | $7,500 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $546.34 | $666.25 | $0 | $7,800 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $552.97 | $674.32 | $700 | $7,500 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $555.15 | $676.98 | $2,000 | $8,200 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $556.38 | $678.49 | $1,000 | $8,950 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $560.31 | $683.28 | $1,000 | $7,500 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $592.35 | $722.35 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $595.09 | $725.69 | $800 | $7,250 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $605.84 | $738.80 | $1,450 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $614.39 | $749.23 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $617.24 | $752.70 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $628.39 | $766.31 | $1,450 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $647.98 | $790.19 | $550 | $10,100 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $661.38 | $806.53 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $807.58 | $984.81 | $2,400 | $10,400 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $817.10 | $996.43 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $848.98 | $1,035.31 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $381/mo | $304 | $507 | 85 | 10 |
| 2023 | $438/mo | $363 | $591 | 54 | 8 |
| 2024 | $461/mo | $352 | $596 | 51 | 9 |
| 2025 | $464/mo | $351 | $646 | 52 | 11 |
| 2026 | $625/mo | $481 | $993 | 46 | 9 |
What this means for Harris
Use Harris's own numbers here, not a national average, before you enroll.
- $625/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 121 plans from 9 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Harris sit on Silver premiums vs other counties?
Harris ranks #1099 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $625/mo. See /methodology#corpus-placement.
How many ACA plans compete in Harris?
Harris carries 121 ACA plans from 9 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Harris?
The lowest-premium plan in Harris starts at $307/mo (Bronze tier, age 27). Silver plans start at $481/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Harris?
The benchmark (second-lowest Silver) premium in Harris is $486/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Harris premiums rise +29.6% year-over-year?
The average age-27 premium in Harris changed by +29.6% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Harris?
The average annual deductible across all plans in Harris is $4,554, and the average out-of-pocket maximum is $9,196. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Harris's crowded market?
There are 9 insurance issuers offering ACA marketplace plans in Harris, 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.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Harris, TX's $486/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Harris, TX, both outside TX so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($486/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (9 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.