ACA plans available
55
Plan year 2026
CMS Marketplace county · plan year 2026
Houston, Tennessee ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $684
- Silver avg/mo
- 55
- ACA plans
- 4
- Issuers
- +34.6%
- YoY premium
Silver avg $684/mo
Houston, Tennessee has 55 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $684/mo; Bronze averages $527/mo and Gold $708/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #562 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $640/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Houston, Tennessee ranks #562 of 2,055 counties by listed Silver average ($684/mo) and #515 of 2,055 by plan count (55 plans).
- #562 of 2,055
- Silver average among 2,055 counties
- $684
- Listed Silver average /mo
- #515 of 2,055
- Plan count among 2,055 counties
- 55
- 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.
Houston, Tennessee offers 55 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $465/mo and Silver plans start at $639/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$684
Avg Silver Premium/mo
$640
Benchmark Premium/mo
+34.6%
Year-over-Year Change
$5,489
Avg Deductible
High-premium band
Houston in the high-premium third
$684/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #562 of 2055 (highest Silver = #1).
Bronze starts at $465/mo; Silver spans $639–$771/mo (age 27). Benchmark (2nd-lowest Silver) is $640/mo, the subsidy ceiling.
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
21 plans$527/mo avg
$465 - $626
Silver
20 plans$684/mo avg
$639 - $771
Gold
14 plans$708/mo avg
$613 - $813
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Houston is $640/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
4
Competitive market
Benchmark Silver
$640 /mo
Sets your subsidy ceiling
Avg deductible
$5,489
Across all metal tiers
D
Marketplace Access Score
40/100
Houston
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 F
$640/mo
Benchmark Silver premium; rank #562 of 2055 tracked counties (cheapest first)
Plan Choice B+
55 plans
ACA marketplace plan count; rank #515 of 2055 tracked counties (most first)
Issuer Competition C+
4 issuers
Distinct marketplace issuers; rank #739 of 2055 tracked counties (most first)
Cost Predictability F
$5,489
Average deductible across tracked plans; rank #223 of 2055 tracked counties (lowest first)
Houston ACA plans by premium and deductible
Each marker is the Houston 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.
Houston ACA marketplace plans: premium vs deductible
How Houston's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Houston vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$684 562nd of 2055 higher than 1,483 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 Houston
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Tennessee | 16 | $662/mo |
| Oscar Insurance Company | 15 | $581/mo |
| BlueCross BlueShield of Tennessee | 12 | $661/mo |
| UnitedHealthcare | 12 | $618/mo |
All Plans in Houston
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $469.74 | $572.83 | $10,600 | $10,600 |
| BlueCross B15E $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Bronze | EPO | $496.98 | $606.05 | $10,600 | $10,600 |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Bronze | EPO | $511.68 | $623.97 | $10,600 | $10,600 |
| Bronze Simple Oscar Insurance Company | Expanded Bronze | EPO | $464.58 | $566.54 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $484.79 | $591.19 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $492.44 | $600.51 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $492.88 | $601.04 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $495.31 | $604.01 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $502.33 | $612.57 | $5,500 | $10,150 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $519.16 | $633.10 | $0 | $10,600 |
| Everyday Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $524.07 | $639.09 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $525.97 | $641.40 | $7,500 | $10,000 |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $530.38 | $646.78 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $532.31 | $649.13 | $0 | $9,900 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $535.82 | $653.41 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $538.49 | $656.67 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $540.44 | $659.05 | $7,500 | $10,000 |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $572.77 | $698.48 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $597.04 | $728.07 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $613.47 | $748.10 | $0 | $10,500 |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $626.11 | $763.52 | $0 | $10,600 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $638.84 | $779.04 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $640.32 | $780.84 | $5,700 | $10,000 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $640.99 | $781.67 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $641.48 | $782.27 | $6,000 | $10,150 |
| Silver Simple Chronic Care CKM Oscar Insurance Company | Silver | EPO | $642.53 | $783.54 | $5,900 | $10,150 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Silver | EPO | $643.05 | $784.17 | $6,200 | $9,600 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $645.68 | $787.38 | $6,500 | $9,400 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $674.67 | $822.74 | $6,000 | $8,900 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $682.21 | $831.93 | $3,500 | $10,500 |
| Standard Silver Ambetter of Tennessee | Silver | EPO | $683.24 | $833.19 | $6,000 | $8,900 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $685.08 | $835.44 | $0 | $10,150 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $698.37 | $851.63 | $8,100 | $8,100 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $698.87 | $852.25 | $3,500 | $10,500 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee | Silver | EPO | $701.05 | $854.91 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $702.04 | $856.12 | $6,000 | $8,900 |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $714.01 | $870.71 | $6,000 | $8,900 |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $716.06 | $873.21 | $5,900 | $6,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $720.34 | $878.43 | $5,000 | $8,650 |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Silver | EPO | $738.65 | $900.76 | $5,900 | $6,900 |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $771.08 | $940.30 | $6,000 | $8,900 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $613.25 | $747.84 | $2,000 | $8,200 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $640.27 | $780.79 | $500 | $7,000 |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $655.32 | $799.14 | $2,000 | $8,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $658.91 | $803.52 | $2,000 | $8,200 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $671.98 | $819.45 | $2,000 | $8,500 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $674.85 | $822.95 | $0 | $8,500 |
| Standard Gold Ambetter of Tennessee | Gold | EPO | $696.68 | $849.57 | $2,000 | $8,200 |
| Everyday Gold Ambetter of Tennessee | Gold | EPO | $706.46 | $861.50 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $715.85 | $872.95 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $725.90 | $885.21 | $800 | $7,250 |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $745.82 | $909.50 | $2,000 | $8,200 |
| Elite Gold Ambetter of Tennessee | Gold | EPO | $790.97 | $964.56 | $0 | $6,500 |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $805.42 | $982.18 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $812.73 | $991.10 | $0 | $6,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $473/mo | $412 | $626 | 24 | 4 |
| 2023 | $488/mo | $437 | $562 | 26 | 4 |
| 2024 | $500/mo | $455 | $563 | 25 | 4 |
| 2025 | $497/mo | $476 | $520 | 21 | 4 |
| 2026 | $684/mo | $639 | $771 | 20 | 4 |
What this means for Houston
Use Houston's own numbers here, not a national average, before you enroll.
- $684/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 55 plans from 4 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
Why is Houston's Silver premium in the high band?
Houston ranks #562 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $684/mo. See /methodology#corpus-placement.
How many ACA plans compete in Houston?
Houston carries 55 ACA plans from 4 issuers, putting it in the densest third of county inventories nationwide.
What is the floor premium in high-cost Houston?
The lowest-premium plan in Houston starts at $465/mo (Bronze tier, age 27). Silver plans start at $639/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Houston benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Houston is $640/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Houston premiums rise +34.6% year-over-year?
The average age-27 premium in Houston changed by +34.6% 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 Houston?
The average annual deductible across all plans in Houston is $5,489, and the average out-of-pocket maximum is $9,238. 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 Houston's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Houston, including Ambetter of Tennessee, Oscar Insurance Company, BlueCross BlueShield of Tennessee, 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 Houston, TN's $640/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 Houston, TN, both outside TN 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 ($640/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 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.