ACA plans available
74
Plan year 2026
CMS Marketplace county · plan year 2026
Lubbock, 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
- $709
- Silver avg/mo
- 74
- ACA plans
- 5
- Issuers
- +28.6%
- YoY premium
Silver avg $709/mo
Lubbock, Texas has 74 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $709/mo; Bronze averages $455/mo and Gold $601/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #378 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $639/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Lubbock, Texas ranks #378 of 2,055 counties by listed Silver average ($709/mo) and #197 of 2,055 by plan count (74 plans).
- #378 of 2,055
- Silver average among 2,055 counties
- $709
- Listed Silver average /mo
- #197 of 2,055
- Plan count among 2,055 counties
- 74
- 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.
Lubbock, Texas offers 74 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $399/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.
$709
Avg Silver Premium/mo
$639
Benchmark Premium/mo
+28.6%
Year-over-Year Change
$4,416
Avg Deductible
High-premium band
Lubbock in the high-premium third
$709/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #378 of 2055 (highest Silver = #1).
Bronze starts at $399/mo; Silver spans $639–$822/mo (age 27). Benchmark (2nd-lowest Silver) is $639/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
24 plans$455/mo avg
$399 - $543
Silver
24 plans$709/mo avg
$639 - $822
Gold
24 plans$601/mo avg
$533 - $666
Catastrophic plan available: avg $415/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Lubbock is $639/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
5
Competitive market
Benchmark Silver
$639 /mo
Sets your subsidy ceiling
Avg deductible
$4,416
Across all metal tiers
C+
Marketplace Access Score
64/100
Lubbock
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
$639/mo
Benchmark Silver premium; rank #378 of 2055 tracked counties (cheapest first)
Plan Choice A+
74 plans
ACA marketplace plan count; rank #197 of 2055 tracked counties (most first)
Issuer Competition A-
5 issuers
Distinct marketplace issuers; rank #405 of 2055 tracked counties (most first)
Cost Predictability A+
$4,416
Average deductible across tracked plans; rank #1908 of 2055 tracked counties (lowest first)
Lubbock ACA plans by premium and deductible
Each marker is the Lubbock 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.
Lubbock ACA marketplace plans: premium vs deductible
How Lubbock's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Lubbock vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$709 378th of 2055 higher than 1,677 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 Lubbock
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| WellPoint | 21 | $567/mo |
| Blue Cross and Blue Shield of Texas | 19 | $581/mo |
| UnitedHealthcare | 14 | $589/mo |
| Cigna Healthcare | 11 | $658/mo |
| Baylor Scott and White Health Plan | 9 | $529/mo |
All Plans in Lubbock
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint | Catastrophic | HMO | $399.63 | $487.34 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $431.30 | $525.96 | $10,600 | $10,600 |
| Blue Advantage Bronze HMO℠ 301 Blue Cross and Blue Shield of Texas | Bronze | HMO | $426.14 | $519.66 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $430.22 | $524.64 | $7,300 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $435.17 | $530.68 | $10,600 | $10,600 |
| BSW Savers Bronze HMO H S A 006 Baylor Scott and White Health Plan | Expanded Bronze | HMO | $399.40 | $487.05 | $8,000 | $8,000 |
| BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Expanded Bronze | HMO | $405.79 | $494.85 | $7,500 | $10,000 |
| BSW Savers Bronze HMO H S A 009 Baylor Scott and White Health Plan | Expanded Bronze | HMO | $410.54 | $500.63 | $5,300 | $10,600 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $420.61 | $512.93 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $426.34 | $519.90 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint | Expanded Bronze | HMO | $427.62 | $521.46 | $6,000 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $437.82 | $533.91 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $438.33 | $534.52 | $6,000 | $10,150 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint | Expanded Bronze | HMO | $439.05 | $535.41 | $4,000 | $8,450 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $443.85 | $541.26 | $5,500 | $10,600 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $447.68 | $545.94 | $7,500 | $10,000 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $448.77 | $547.27 | $4,500 | $10,600 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $450.37 | $549.21 | $7,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $454.69 | $554.48 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $464.67 | $566.65 | $7,000 | $10,150 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $470.23 | $573.43 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $481.17 | $586.77 | $0 | $10,600 |
| Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $532.03 | $648.79 | $8,500 | $10,600 |
| Connect Bronze 5750 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $536.71 | $654.50 | $5,750 | $10,600 |
| Connect myDiabetesCare Bronze Cigna Healthcare | Expanded Bronze | HMO | $539.41 | $657.79 | $6,500 | $10,600 |
| Connect Bronze CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $542.74 | $661.85 | $7,500 | $10,000 |
| BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Silver | HMO | $638.87 | $779.08 | $6,000 | $8,900 |
| BSW Prime Silver HMO 005 Baylor Scott and White Health Plan | Silver | HMO | $639.12 | $779.39 | $3,000 | $9,000 |
| BSW Prime Silver HMO 008 Baylor Scott and White Health Plan | Silver | HMO | $639.63 | $780.01 | $5,000 | $8,500 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $669.35 | $816.24 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $680.12 | $829.39 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $680.92 | $830.36 | $3,500 | $9,200 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $684.48 | $834.70 | $6,000 | $8,900 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $690.87 | $842.50 | $3,500 | $9,950 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $693.72 | $845.97 | $1,850 | $9,100 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $695.66 | $848.34 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $696.46 | $849.31 | $3,500 | $9,200 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $697.93 | $851.10 | $3,500 | $9,950 |
| Blue Advantage Silver HMO℠ 801 Blue Cross and Blue Shield of Texas | Silver | HMO | $699.58 | $853.12 | $4,000 | $9,200 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $706.58 | $861.65 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $714.38 | $871.16 | $1,450 | $10,600 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $718.79 | $876.54 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $720.55 | $878.69 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $723.34 | $882.09 | $6,000 | $8,900 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $724.08 | $883.00 | $4,000 | $9,550 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $724.39 | $883.37 | $2,500 | $9,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $741.15 | $903.80 | $0 | $10,150 |
| Connect Silver 4000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $808.64 | $986.10 | $4,000 | $9,900 |
| Connect Silver 3000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $817.21 | $996.56 | $3,000 | $9,900 |
| Connect Silver CMS Standard Cigna Healthcare | Silver | HMO | $821.50 | $1,001.79 | $6,000 | $8,900 |
| BSW Elite Gold HMO 004 Baylor Scott and White Health Plan | Gold | HMO | $533.31 | $650.35 | $1,550 | $8,100 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) Baylor Scott and White Health Plan | Gold | HMO | $533.37 | $650.43 | $2,000 | $8,200 |
| BSW Elite Gold HMO 012 Baylor Scott and White Health Plan | Gold | HMO | $556.92 | $679.14 | $500 | $10,600 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $571.29 | $696.66 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $573.72 | $699.63 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $574.69 | $700.82 | $1,500 | $5,000 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $577.58 | $704.34 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $591.05 | $720.76 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $592.91 | $723.04 | $1,000 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $594.96 | $725.53 | $550 | $10,100 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $600.05 | $731.74 | $700 | $7,500 |
| Blue Advantage Gold HMO℠ 603 Blue Cross and Blue Shield of Texas | Gold | HMO | $601.49 | $733.50 | $1,000 | $8,200 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $602.42 | $734.63 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $602.90 | $735.22 | $2,400 | $10,400 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $603.76 | $736.27 | $1,000 | $8,950 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $606.59 | $739.71 | $0 | $7,800 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $607.26 | $740.54 | $2,000 | $8,200 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $608.45 | $741.99 | $1,000 | $7,500 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $610.01 | $743.89 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $633.82 | $772.92 | $2,000 | $8,200 |
| Connect Gold 3000 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $653.15 | $796.49 | $3,000 | $7,000 |
| Connect Gold CMS Standard Cigna Healthcare | Gold | HMO | $655.77 | $799.68 | $2,000 | $8,200 |
| Connect myDiabetesCare Gold Cigna Healthcare | Gold | HMO | $665.56 | $811.63 | $2,250 | $8,250 |
| Connect Gold 1400 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $665.72 | $811.82 | $1,400 | $9,125 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $480/mo | $442 | $514 | 8 | 3 |
| 2023 | $493/mo | $456 | $533 | 19 | 4 |
| 2024 | $506/mo | $464 | $536 | 20 | 4 |
| 2025 | $530/mo | $471 | $618 | 24 | 5 |
| 2026 | $709/mo | $639 | $822 | 24 | 5 |
What this means for Lubbock
Use Lubbock's own numbers here, not a national average, before you enroll.
- $709/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 74 plans from 5 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 Lubbock's Silver premium in the high band?
Lubbock ranks #378 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $709/mo. See /methodology#corpus-placement.
How many ACA plans compete in Lubbock?
Lubbock carries 74 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
What is the floor premium in high-cost Lubbock?
The lowest-premium plan in Lubbock starts at $399/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 Lubbock benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Lubbock is $639/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Lubbock premiums rise +28.6% year-over-year?
The average age-27 premium in Lubbock changed by +28.6% 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 Lubbock?
The average annual deductible across all plans in Lubbock is $4,416, and the average out-of-pocket maximum is $9,329. 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 Lubbock's crowded market?
There are 5 insurance issuers offering ACA marketplace plans in Lubbock, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Lubbock, TX's $639/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 Lubbock, 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 ($639/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (5 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.