ACA plans available
86
Plan year
2026 data Public-data reference. official source
Johnson, Texas Health Insurance
Open-data reference.
86 ACA plans from 6 issuers — Plan year 2026
Johnson, Texas offers 86 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $433/mo and Silver plans start at $614/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$718
Avg Silver Premium/mo
$620
Benchmark Premium/mo
+39.9%
Year-over-Year Change
$4,125
Avg Deductible
What the Numbers Say About Johnson
Johnson, Texas has 86 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $718/mo for a 27-year-old non-tobacco user, with the lowest Silver at $614 and the highest at $847. Bronze plans start at $433/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $620/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 $4,125 and the average out-of-pocket maximum is $9,131 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Johnson shifted by +39.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Johnson, 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
2 plans$462/mo avg
$433 — $491
Silver
31 plans$718/mo avg
$614 — $847
Gold
33 plans$618/mo avg
$512 — $724
Catastrophic plan available: avg $426/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Johnson is $620/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
6
Competitive market
Benchmark Silver
$620 /mo
Sets your subsidy ceiling
Avg deductible
$4,125
Across all metal tiers
Johnson ACA plans by premium and deductible
Each marker is the Johnson 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 Johnson, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Johnson
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| WellPoint | 21 | $509/mo |
| Blue Cross and Blue Shield of Texas | 16 | $664/mo |
| UnitedHealthcare | 14 | $586/mo |
| Ambetter from Superior HealthPlan | 12 | $732/mo |
| Molina Healthcare | 12 | $600/mo |
| Cigna Healthcare | 11 | $663/mo |
All Plans in Johnson
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint | Catastrophic | HMO | $358.42 | $437.08 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $492.63 | $600.75 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $433.26 | $528.35 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $491.39 | $599.23 | $7,300 | $10,600 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $377.24 | $460.03 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $382.37 | $466.29 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint | Expanded Bronze | HMO | $383.52 | $467.68 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint | Expanded Bronze | HMO | $393.78 | $480.20 | $4,000 | $8,450 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $398.08 | $485.45 | $5,500 | $10,600 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $401.52 | $489.64 | $7,500 | $10,000 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $402.49 | $490.83 | $4,500 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $452.70 | $552.05 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $468.17 | $570.92 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $479.06 | $584.20 | $0 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $500.08 | $609.84 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $500.65 | $610.53 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $514.40 | $627.29 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $530.74 | $647.22 | $7,000 | $10,150 |
| Connect Bronze DFW 8500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $536.20 | $653.88 | $8,500 | $10,600 |
| Connect Bronze DFW 6000 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $539.88 | $658.36 | $6,000 | $10,600 |
| Connect myDiabetesCare Bronze DFW Cigna Healthcare | Expanded Bronze | HMO | $543.63 | $662.94 | $6,500 | $10,600 |
| Connect Bronze DFW CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $546.99 | $667.04 | $7,500 | $10,000 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $613.90 | $748.63 | $6,000 | $8,900 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $619.63 | $755.62 | $3,500 | $9,950 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $622.19 | $758.74 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $625.95 | $763.32 | $3,500 | $9,950 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $643.94 | $785.26 | $7,000 | $10,150 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $644.67 | $786.15 | $6,000 | $8,900 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $649.41 | $791.94 | $4,000 | $9,550 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $649.69 | $792.27 | $2,500 | $9,900 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $650.84 | $793.68 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $651.81 | $794.86 | $6,000 | $8,900 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare | Silver | HMO | $654.74 | $798.44 | $6,000 | $8,990 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $666.41 | $812.66 | $6,000 | $8,900 |
| Molina Silver Core Pluswith Adult Dental and Vision Molina Healthcare | Silver | HMO | $668.31 | $814.98 | $6,000 | $8,990 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $677.14 | $825.75 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $677.93 | $826.71 | $3,500 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $692.61 | $844.61 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $693.40 | $845.58 | $3,500 | $9,200 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $745.15 | $908.68 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $748.97 | $913.34 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $756.01 | $921.93 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $773.15 | $942.83 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $777.12 | $947.67 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $784.43 | $956.59 | $5,000 | $8,650 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $807.04 | $984.16 | $6,000 | $8,900 |
| Connect Silver DFW 4000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $814.97 | $993.82 | $4,000 | $9,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $815.95 | $995.03 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $823.00 | $1,003.63 | $1,250 | $10,500 |
| Connect Silver DFW 3000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $823.61 | $1,004.37 | $3,000 | $9,900 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $826.18 | $1,007.50 | $6,000 | $8,900 |
| Connect Silver DFW CMS Standard Cigna Healthcare | Silver | HMO | $827.93 | $1,009.63 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $846.52 | $1,032.30 | $0 | $10,150 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $512.37 | $624.81 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $514.56 | $627.49 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $515.43 | $628.55 | $1,500 | $5,000 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $538.18 | $656.29 | $700 | $7,500 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $540.31 | $658.89 | $2,000 | $8,200 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $541.50 | $660.34 | $1,000 | $8,950 |
| Molina Gold Saver 750 Molina Healthcare | Gold | HMO | $552.67 | $673.97 | $750 | $9,400 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $552.80 | $674.13 | $1,640 | $8,100 |
| Molina Gold Saver 750 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $556.57 | $678.72 | $750 | $9,400 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $556.71 | $678.88 | $1,640 | $8,100 |
| Molina Gold Saver 750 Pluswith Adult Dental and Vision Molina Healthcare | Gold | HMO | $570.14 | $695.27 | $750 | $9,400 |
| Molina Gold Core 1640 Pluswith Adult Dental and Vision Molina Healthcare | Gold | HMO | $570.27 | $695.43 | $1,640 | $8,100 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $573.01 | $698.77 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $575.04 | $701.25 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $588.45 | $717.60 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $590.31 | $719.86 | $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 | $603.93 | $736.47 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $605.78 | $738.73 | $1,000 | $7,500 |
| Connect Gold DFW 2800 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $659.12 | $803.77 | $2,800 | $7,375 |
| Connect Gold DFW CMS Standard Cigna Healthcare | Gold | HMO | $660.90 | $805.95 | $2,000 | $8,200 |
| Connect myDiabetesCare Gold DFW Cigna Healthcare | Gold | HMO | $664.95 | $810.88 | $2,500 | $8,250 |
| Connect Gold DFW 1400 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $671.09 | $818.37 | $1,400 | $9,100 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $679.55 | $828.69 | $550 | $10,100 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $681.28 | $830.80 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $684.43 | $834.64 | $800 | $7,250 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $688.62 | $839.75 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $693.61 | $845.83 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $696.74 | $849.65 | $1,700 | $10,150 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $696.79 | $849.71 | $1,450 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $706.63 | $861.71 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $709.90 | $865.70 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $722.73 | $881.35 | $1,450 | $7,500 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $723.93 | $882.80 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $447/mo | $413 | $510 | 23 | 3 |
| 2023 | $453/mo | $367 | $561 | 27 | 5 |
| 2024 | $483/mo | $408 | $555 | 32 | 6 |
| 2025 | $519/mo | $477 | $587 | 27 | 6 |
| 2026 | $718/mo | $614 | $847 | 31 | 6 |
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
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
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
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Johnson, TX?
There are 86 ACA marketplace plans available in Johnson from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Johnson?
The lowest-premium plan in Johnson starts at $433/mo (Bronze tier, age 27). Silver plans start at $614/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Johnson?
The benchmark (second-lowest Silver) premium in Johnson is $620/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 Johnson?
Average premiums in Johnson changed by +39.9% 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 Johnson?
The average annual deductible across all plans in Johnson is $4,125, and the average out-of-pocket maximum is $9,131. 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 Johnson?
There are 6 insurance issuers offering ACA marketplace plans in Johnson, including WellPoint, 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.
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
