ACA plans available
102
Plan year 2026
2026 data Public-data reference. official source
Hays, Texas Health Insurance
Open-data reference.
102 ACA plans from 9 issuers - Plan year 2026
Hays, Texas offers 102 ACA marketplace plans from 9 issuers for plan year 2026. Bronze plans start at $369/mo and Silver plans start at $499/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$647
Avg Silver Premium/mo
$500
Benchmark Premium/mo
+29.5%
Year-over-Year Change
$4,996
Avg Deductible
What the Numbers Say About Hays
Hays, Texas has 102 ACA marketplace plans offered by 9 issuers for plan year 2026. The average Silver-tier premium comes in at $647/mo for a 27-year-old non-tobacco user, with the lowest Silver at $499 and the highest at $887. Bronze plans start at $369/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $500/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 $4,996 and the average out-of-pocket maximum is $9,191 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Hays shifted by +29.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 9 issuers active in Hays, consumers have meaningful competition to pressure premiums lower. HMO is the most common network type in Hays, 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
3 plans$422/mo avg
$369 - $515
Silver
37 plans$647/mo avg
$499 - $887
Gold
36 plans$564/mo avg
$417 - $759
Catastrophic plan available: avg $390/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Hays is $500/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
9
Competitive market
Benchmark Silver
$500 /mo
Sets your subsidy ceiling
Avg deductible
$4,996
Across all metal tiers
Hays ACA plans by premium and deductible
Each marker is the Hays 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 Hays, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Hays
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 23 | $570/mo |
| Blue Cross and Blue Shield of Texas | 16 | $696/mo |
| UnitedHealthcare | 14 | $499/mo |
| CHRISTUS Health Plan | 14 | $400/mo |
| Ambetter from Superior HealthPlan | 12 | $658/mo |
| Imperial Insurance Companies, Inc. | 7 | $523/mo |
| Sendero Health Plans, Local Nonprofit | 7 | $463/mo |
| Moda Health Plan, Inc. | 5 | $561/mo |
| Harbor Health | 4 | $531/mo |
All Plans in Hays
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| CHRISTUS Catastrophic (3 Free PCP visits) CHRISTUS Health Plan | Catastrophic | HMO | $263.65 | $321.51 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $516.31 | $629.62 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $369.17 | $450.19 | $10,600 | $10,600 |
| Imperial Preferred Bronze Imperial Insurance Companies, Inc. | Bronze | HMO | $382.44 | $466.37 | $9,200 | $9,200 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $515.03 | $628.06 | $7,300 | $10,600 |
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $317.54 | $387.22 | $7,500 | $10,000 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $321.73 | $392.34 | $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 | $321.82 | $392.45 | $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 | $330.48 | $403.01 | $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 | $330.94 | $403.57 | $7,450 | $9,850 |
| Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist Sendero Health Plans, Local Nonprofit | Expanded Bronze | HMO | $354.79 | $432.65 | $7,500 | $10,000 |
| Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs Sendero Health Plans, Local Nonprofit | Expanded Bronze | HMO | $376.59 | $459.23 | $8,550 | $9,800 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $385.73 | $470.39 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $398.91 | $486.46 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $408.20 | $497.78 | $0 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $409.03 | $498.80 | $7,500 | $10,000 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $436.95 | $532.85 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $451.89 | $551.06 | $7,500 | $10,000 |
| Moda Select Texas Bronze 8700 ($0 Virtual Urgent Care through CirrusMD) Moda Health Plan, Inc. | Expanded Bronze | EPO | $453.78 | $553.37 | $8,700 | $8,700 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $457.32 | $557.69 | $4,700 | $9,800 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $458.71 | $559.38 | $5,500 | $10,150 |
| Moda Select Texas Standard Bronze Moda Health Plan, Inc. | Expanded Bronze | EPO | $465.27 | $567.39 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $466.39 | $568.75 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $477.83 | $582.69 | $0 | $10,150 |
| Moda Select Texas Bronze HDHP 7500 Moda Health Plan, Inc. | Expanded Bronze | EPO | $484.40 | $590.71 | $7,500 | $7,500 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $524.10 | $639.13 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $524.70 | $639.86 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $539.15 | $657.48 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $556.28 | $678.36 | $7,000 | $10,150 |
| Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugs Sendero Health Plans, Local Nonprofit | Silver | HMO | $498.50 | $607.90 | $6,000 | $8,900 |
| CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $499.96 | $609.68 | $6,000 | $8,900 |
| Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugs Sendero Health Plans, Local Nonprofit | Silver | HMO | $512.50 | $624.97 | $4,250 | $7,750 |
| CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $513.96 | $626.75 | $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 | $528.52 | $644.51 | $6,900 | $9,300 |
| Harbor Health S1 $0 PCP $0 Mental Health Office Visit $0 Express Care Harbor Health | Silver | HMO | $534.71 | $652.07 | $9,900 | $10,150 |
| Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible Sendero Health Plans, Local Nonprofit | Silver | HMO | $546.30 | $666.20 | $0 | $9,200 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $567.83 | $692.45 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $576.97 | $703.60 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $577.64 | $704.42 | $3,500 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $590.15 | $719.67 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $590.83 | $720.49 | $3,500 | $9,200 |
| Silver Simple Guided Care Oscar Insurance Company | Silver | HMO | $600.34 | $732.10 | $6,300 | $9,300 |
| Harbor Health S1S $40 PCP $40 Mental Health Office Visit $40 Express Care Harbor Health | Silver | HMO | $601.16 | $733.09 | $6,000 | $8,900 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $602.36 | $734.55 | $6,000 | $8,900 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company | Silver | HMO | $607.21 | $740.48 | $6,500 | $10,000 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company | Silver | HMO | $611.46 | $745.65 | $6,200 | $9,600 |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company | Silver | HMO | $611.90 | $746.19 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company | Silver | HMO | $613.59 | $748.25 | $6,000 | $10,150 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $613.64 | $748.31 | $7,500 | $9,500 |
| Silver Classic Standard Guided Care Oscar Insurance Company | Silver | HMO | $621.64 | $758.07 | $6,000 | $8,900 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company | Silver | HMO | $626.19 | $763.62 | $5,750 | $10,150 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $669.59 | $816.54 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $673.02 | $820.73 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $679.35 | $828.44 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $694.75 | $847.23 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $697.42 | $850.48 | $5,750 | $10,150 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $698.32 | $851.58 | $6,300 | $8,400 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $702.18 | $856.28 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $704.89 | $859.59 | $5,000 | $8,650 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $711.67 | $867.86 | $5,500 | $8,900 |
| Moda Select Texas Standard Silver Moda Health Plan, Inc. | Silver | EPO | $754.47 | $920.05 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $845.82 | $1,031.45 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $855.16 | $1,042.84 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $862.60 | $1,051.91 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $865.93 | $1,055.97 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $887.25 | $1,081.97 | $0 | $10,150 |
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $417.39 | $509.00 | $2,000 | $8,200 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $423.11 | $515.97 | $3,750 | $9,200 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $434.50 | $529.86 | $3,750 | $9,200 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $440.20 | $536.81 | $0 | $9,200 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $454.19 | $553.88 | $0 | $9,200 |
| Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care Harbor Health | Gold | HMO | $468.08 | $570.81 | $0 | $10,150 |
| Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugs Sendero Health Plans, Local Nonprofit | Gold | HMO | $473.41 | $577.31 | $2,000 | $8,200 |
| Sendero Health Real Gold / $350 Deductible Sendero Health Plans, Local Nonprofit | Gold | HMO | $481.43 | $587.09 | $350 | $8,750 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $489.98 | $597.51 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $501.41 | $611.45 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $502.99 | $613.38 | $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 | $514.59 | $627.52 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $516.17 | $629.45 | $1,000 | $7,500 |
| Harbor Health G1S $30 PCP $30 Mental Health Office Visit $30 Express Care Harbor Health | Gold | HMO | $518.03 | $631.71 | $2,000 | $8,200 |
| Gold Simple Guided Care Oscar Insurance Company | Gold | HMO | $527.52 | $643.30 | $3,300 | $9,950 |
| Gold Classic Standard Guided Care Oscar Insurance Company | Gold | HMO | $530.18 | $646.54 | $2,000 | $8,200 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company | Gold | HMO | $532.58 | $649.46 | $2,000 | $9,800 |
| Gold Classic Guided Care Oscar Insurance Company | Gold | HMO | $538.33 | $656.48 | $2,500 | $8,000 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $549.56 | $670.17 | $2,000 | $8,200 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. | Gold | HMO | $552.24 | $673.44 | $0 | $9,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $554.53 | $676.24 | $1,350 | $9,000 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $597.45 | $728.58 | $2,000 | $8,200 |
| Gold Classic Oscar Insurance Company | Gold | EPO | $606.79 | $739.95 | $2,500 | $8,000 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $612.20 | $746.55 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $615.03 | $750.00 | $800 | $7,250 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $619.35 | $755.27 | $1,200 | $7,800 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $626.13 | $763.55 | $1,450 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $634.98 | $774.33 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $637.91 | $777.91 | $800 | $7,250 |
| Moda Select Texas Standard Gold Moda Health Plan, Inc. | Gold | EPO | $648.34 | $790.63 | $2,000 | $8,200 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $649.45 | $791.98 | $1,450 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $712.20 | $868.50 | $550 | $10,100 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $721.75 | $880.15 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $726.93 | $886.47 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $730.27 | $890.54 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $758.76 | $925.28 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $460/mo | $373 | $565 | 46 | 8 |
| 2023 | $491/mo | $409 | $624 | 41 | 9 |
| 2024 | $505/mo | $416 | $627 | 46 | 10 |
| 2025 | $514/mo | $429 | $696 | 40 | 8 |
| 2026 | $647/mo | $499 | $887 | 37 | 9 |
Frequently Asked Questions
How many ACA plans are available in Hays, TX?
There are 102 ACA marketplace plans available in Hays from 9 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Hays?
The lowest-premium plan in Hays starts at $369/mo (Bronze tier, age 27). Silver plans start at $499/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Hays?
The benchmark (second-lowest Silver) premium in Hays is $500/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 Hays?
Average premiums in Hays changed by +29.5% 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 Hays?
The average annual deductible across all plans in Hays is $4,996, and the average out-of-pocket maximum is $9,191. 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 Hays?
There are 9 insurance issuers offering ACA marketplace plans in Hays, including Oscar Insurance Company, Blue Cross and Blue Shield of Texas, UnitedHealthcare, 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 Hays, TX's $500/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
