ACA plans available
47
Plan year 2026
CMS Marketplace county · plan year 2026
Karnes, 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
- $700
- Silver avg/mo
- 47
- ACA plans
- 3
- Issuers
- +29.3%
- YoY premium
Silver avg $700/mo
Karnes, Texas has 47 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $700/mo; Bronze averages $436/mo and Gold $586/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #428 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $595/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Karnes, Texas ranks #428 of 2,055 counties by listed Silver average ($700/mo) and #841 of 2,055 by plan count (47 plans).
- #428 of 2,055
- Silver average among 2,055 counties
- $700
- Listed Silver average /mo
- #841 of 2,055
- Plan count among 2,055 counties
- 47
- 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.
Karnes, Texas offers 47 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $367/mo and Silver plans start at $579/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$700
Avg Silver Premium/mo
$595
Benchmark Premium/mo
+29.3%
Year-over-Year Change
$5,189
Avg Deductible
High-premium band
Karnes in the high-premium third
$700/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #428 of 2055 (highest Silver = #1).
Bronze starts at $367/mo; Silver spans $579–$797/mo (age 27). Benchmark (2nd-lowest Silver) is $595/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
15 plans$436/mo avg
$367 - $499
Silver
14 plans$700/mo avg
$579 - $797
Gold
16 plans$586/mo avg
$483 - $681
Catastrophic plan available: avg $384/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Karnes is $595/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
3
Some competition
Benchmark Silver
$595 /mo
Sets your subsidy ceiling
Avg deductible
$5,189
Across all metal tiers
F
Marketplace Access Score
36/100
Karnes
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
$595/mo
Benchmark Silver premium; rank #428 of 2055 tracked counties (cheapest first)
Plan Choice C
47 plans
ACA marketplace plan count; rank #841 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1265 of 2055 tracked counties (most first)
Cost Predictability F
$5,189
Average deductible across tracked plans; rank #739 of 2055 tracked counties (lowest first)
Karnes ACA plans by premium and deductible
Each marker is the Karnes 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.
Karnes ACA marketplace plans: premium vs deductible
How Karnes's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Karnes vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$700 428th of 2055 higher than 1,627 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 Karnes
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Texas | 19 | $624/mo |
| UnitedHealthcare | 14 | $583/mo |
| CHRISTUS Health Plan | 14 | $463/mo |
All Plans in Karnes
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| CHRISTUS Catastrophic (3 Free PCP visits) CHRISTUS Health Plan | Catastrophic | HMO | $305.13 | $372.09 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $463.57 | $565.31 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $430.80 | $525.34 | $10,600 | $10,600 |
| Blue Advantage Bronze HMO℠ 301 Blue Cross and Blue Shield of Texas | Bronze | HMO | $458.01 | $558.52 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $462.41 | $563.89 | $7,300 | $10,600 |
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $367.49 | $448.15 | $7,500 | $10,000 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $372.35 | $454.07 | $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 | $372.45 | $454.19 | $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 | $382.48 | $466.42 | $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 | $383.01 | $467.07 | $7,450 | $9,850 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $450.12 | $548.91 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $465.51 | $567.67 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $470.58 | $573.86 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $471.11 | $574.50 | $6,000 | $10,150 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $476.34 | $580.88 | $0 | $10,600 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $484.07 | $590.31 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $499.45 | $609.06 | $7,000 | $10,150 |
| CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $578.61 | $705.60 | $6,000 | $8,900 |
| CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $594.82 | $725.36 | $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 | $611.67 | $745.91 | $6,900 | $9,300 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $662.62 | $808.04 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $673.29 | $821.05 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $674.07 | $822.01 | $3,500 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $688.67 | $839.81 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $689.46 | $840.77 | $3,500 | $9,200 |
| Blue Advantage Silver HMO℠ 801 Blue Cross and Blue Shield of Texas | Silver | HMO | $751.92 | $916.94 | $4,000 | $9,200 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $759.43 | $926.10 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $767.82 | $936.33 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $774.47 | $944.44 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $777.46 | $948.08 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $796.61 | $971.43 | $0 | $10,150 |
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $483.06 | $589.08 | $2,000 | $8,200 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $489.68 | $597.14 | $3,750 | $9,200 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $502.86 | $613.22 | $3,750 | $9,200 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $509.46 | $621.27 | $0 | $9,200 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $525.65 | $641.02 | $0 | $9,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $571.77 | $697.26 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $585.11 | $713.52 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $586.95 | $715.77 | $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 | $600.49 | $732.28 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $602.34 | $734.53 | $1,000 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $639.47 | $779.81 | $550 | $10,100 |
| Blue Advantage Gold HMO℠ 603 Blue Cross and Blue Shield of Texas | Gold | HMO | $646.48 | $788.36 | $1,000 | $8,200 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $648.01 | $790.23 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $652.69 | $795.94 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $655.65 | $799.54 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $681.24 | $830.75 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $450/mo | $397 | $477 | 7 | 2 |
| 2023 | $501/mo | $460 | $523 | 10 | 2 |
| 2024 | $487/mo | $459 | $524 | 15 | 3 |
| 2025 | $514/mo | $458 | $599 | 16 | 3 |
| 2026 | $700/mo | $579 | $797 | 14 | 3 |
What this means for Karnes
Use Karnes's own numbers here, not a national average, before you enroll.
- $700/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 47 plans from 3 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 Karnes's Silver premium in the high band?
Karnes ranks #428 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $700/mo. See /methodology#corpus-placement.
How many ACA plans are available in Karnes, TX?
There are 47 ACA marketplace plans available in Karnes from 3 insurance issuers for plan year 2026.
What is the floor premium in high-cost Karnes?
The lowest-premium plan in Karnes starts at $367/mo (Bronze tier, age 27). Silver plans start at $579/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Karnes benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Karnes is $595/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Karnes premiums rise +29.3% year-over-year?
The average age-27 premium in Karnes changed by +29.3% 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 Karnes?
The average annual deductible across all plans in Karnes is $5,189, and the average out-of-pocket maximum is $9,434. 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 Karnes?
There are 3 insurance issuers offering ACA marketplace plans in Karnes, including Blue Cross and Blue Shield of Texas, UnitedHealthcare, CHRISTUS Health Plan. 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 Karnes, TX's $595/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 Karnes, 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 ($595/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 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.