ACA plans available
112
Plan year
2026 data Public-data reference. official source
Montgomery, Texas Health Insurance
Open-data reference.
112 ACA plans from 8 issuers — Plan year 2026
Montgomery, Texas offers 112 ACA marketplace plans from 8 issuers for plan year 2026. Bronze plans start at $380/mo and Silver plans start at $535/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$614
Avg Silver Premium/mo
$548
Benchmark Premium/mo
+33.6%
Year-over-Year Change
$4,484
Avg Deductible
What the Numbers Say About Montgomery
Montgomery, Texas has 112 ACA marketplace plans offered by 8 issuers for plan year 2026. The average Silver-tier premium comes in at $614/mo for a 27-year-old non-tobacco user, with the lowest Silver at $535 and the highest at $729. Bronze plans start at $380/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $548/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 $4,484 and the average out-of-pocket maximum is $9,179 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Montgomery shifted by +33.6%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 8 issuers active in Montgomery, 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
3 plans$396/mo avg
$380 — $423
Silver
43 plans$614/mo avg
$535 — $729
Gold
38 plans$540/mo avg
$496 — $624
Catastrophic plan available: avg $389/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Montgomery is $548/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
8
Competitive market
Benchmark Silver
$548 /mo
Sets your subsidy ceiling
Avg deductible
$4,484
Across all metal tiers
Montgomery ACA plans by premium and deductible
Each marker is the Montgomery 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 Montgomery, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Montgomery
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 23 | $530/mo |
| Blue Cross and Blue Shield of Texas | 22 | $548/mo |
| WellPoint | 21 | $503/mo |
| UnitedHealthcare | 15 | $497/mo |
| Ambetter from Superior HealthPlan | 12 | $587/mo |
| Imperial Insurance Companies, Inc. | 7 | $519/mo |
| Community Health Choice | 6 | $529/mo |
| Ambetter from Superior HealthPlan | 6 | $551/mo |
All Plans in Montgomery
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint | Catastrophic | HMO | $354.24 | $431.99 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $424.40 | $517.54 | $10,600 | $10,600 |
| Imperial Preferred Bronze Imperial Insurance Companies, Inc. | Bronze | HMO | $379.52 | $462.81 | $9,200 | $9,200 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $383.97 | $468.24 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $423.34 | $516.25 | $7,300 | $10,600 |
| MyBlue Health Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $363.10 | $442.79 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $372.86 | $454.69 | $6,000 | $10,600 |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded UnitedHealthcare | Expanded Bronze | HMO | $373.74 | $455.77 | $0 | $10,600 |
| MyBlue Health Bronze℠ 402 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $377.09 | $459.85 | $5,000 | $9,000 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $377.92 | $460.86 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint | Expanded Bronze | HMO | $379.05 | $462.24 | $6,000 | $10,600 |
| UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $386.40 | $471.21 | $0 | $10,600 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint | Expanded Bronze | HMO | $389.19 | $474.60 | $4,000 | $8,450 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $393.45 | $479.80 | $5,500 | $10,600 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $395.56 | $482.37 | $9,000 | $10,600 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $396.85 | $483.94 | $7,500 | $10,000 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $397.82 | $485.13 | $4,500 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $401.19 | $489.24 | $7,500 | $10,000 |
| Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $405.40 | $494.37 | $8,500 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $405.91 | $494.99 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $409.08 | $498.85 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $414.00 | $504.86 | $4,700 | $9,800 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $414.91 | $505.96 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $415.25 | $506.38 | $5,500 | $10,150 |
| Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Expanded Bronze | HMO | $417.64 | $509.29 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $422.21 | $514.87 | $5,500 | $10,150 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $430.81 | $525.36 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $431.29 | $525.95 | $6,000 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $432.56 | $527.49 | $0 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $443.16 | $540.42 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $457.24 | $557.59 | $7,000 | $10,150 |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded UnitedHealthcare | Silver | HMO | $535.42 | $652.92 | $0 | $9,200 |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) UnitedHealthcare | Silver | HMO | $547.65 | $667.85 | $0 | $9,200 |
| Standard Silver VALUE Ambetter from Superior HealthPlan | Silver | HMO | $557.45 | $679.79 | $6,000 | $8,900 |
| Focused VALUE Silver Ambetter from Superior HealthPlan | Silver | HMO | $560.29 | $683.25 | $6,300 | $8,400 |
| MyBlue Health Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $572.68 | $698.36 | $6,000 | $8,900 |
| MyBlue Health Silver℠ 405 Blue Cross and Blue Shield of Texas | Silver | HMO | $573.58 | $699.46 | $1,500 | $10,600 |
| Silver Simple Guided Care Oscar Insurance Company | Silver | HMO | $573.67 | $699.57 | $6,300 | $9,300 |
| Standard Silver VALUE + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | HMO | $578.52 | $705.49 | $6,000 | $8,900 |
| Silver Simple Diabetes Guided Care Oscar Insurance Company | Silver | HMO | $580.34 | $707.70 | $6,500 | $10,000 |
| Focused VALUE Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | HMO | $581.47 | $709.08 | $6,300 | $8,400 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care Oscar Insurance Company | Silver | HMO | $584.42 | $712.68 | $6,200 | $9,600 |
| Silver Simple Chronic Care CKM Guided Care Oscar Insurance Company | Silver | HMO | $584.85 | $713.20 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits Guided Care Oscar Insurance Company | Silver | HMO | $586.47 | $715.18 | $6,000 | $10,150 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $590.59 | $720.21 | $6,000 | $8,900 |
| Silver Classic Standard Guided Care Oscar Insurance Company | Silver | HMO | $594.22 | $724.64 | $6,000 | $8,900 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $597.15 | $728.20 | $6,000 | $8,900 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $597.76 | $728.94 | $6,000 | $8,900 |
| Silver Simple PCP Saver Guided Care Oscar Insurance Company | Silver | HMO | $598.60 | $729.97 | $5,750 | $10,150 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $600.10 | $731.80 | $3,000 | $8,950 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $600.21 | $731.94 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $605.85 | $738.81 | $5,000 | $8,650 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $606.75 | $739.91 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $608.96 | $742.60 | $7,500 | $9,500 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $612.42 | $746.82 | $3,500 | $9,950 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $613.81 | $748.52 | $3,000 | $8,950 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $614.95 | $749.90 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $618.67 | $754.44 | $3,500 | $9,950 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $619.59 | $755.57 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $622.77 | $759.45 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $628.63 | $766.59 | $5,000 | $8,650 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $631.35 | $769.91 | $5,750 | $10,150 |
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $635.37 | $774.81 | $6,000 | $8,900 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $635.66 | $775.16 | $6,000 | $8,900 |
| Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $635.97 | $775.54 | $2,800 | $10,600 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $637.16 | $777.00 | $6,000 | $8,900 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $641.86 | $782.72 | $4,000 | $9,550 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $642.13 | $783.06 | $2,500 | $9,900 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $644.25 | $785.64 | $5,500 | $8,900 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $695.25 | $847.84 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $702.93 | $857.19 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $709.02 | $864.63 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $711.76 | $867.97 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $729.28 | $889.33 | $0 | $10,150 |
| MyBlue Health Gold℠ 403 Blue Cross and Blue Shield of Texas | Gold | HMO | $496.31 | $605.24 | $500 | $8,500 |
| Gold Simple Guided Care Oscar Insurance Company | Gold | HMO | $503.60 | $614.13 | $3,300 | $9,950 |
| MyBlue Health Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $503.74 | $614.30 | $2,000 | $8,200 |
| Gold Classic Standard Guided Care Oscar Insurance Company | Gold | HMO | $506.21 | $617.30 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $506.41 | $617.56 | $800 | $9,000 |
| Gold Simple Diabetes Guided Care Oscar Insurance Company | Gold | HMO | $508.51 | $620.11 | $2,000 | $9,800 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $508.56 | $620.18 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $509.43 | $621.24 | $1,500 | $5,000 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $509.62 | $621.47 | $2,000 | $8,200 |
| Standard Gold VALUE Ambetter from Superior HealthPlan | Gold | HMO | $509.70 | $621.56 | $2,000 | $8,200 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $509.77 | $621.65 | $0 | $7,800 |
| Gold Classic Guided Care Oscar Insurance Company | Gold | HMO | $514.05 | $626.86 | $2,500 | $8,000 |
| Complete VALUE Gold Ambetter from Superior HealthPlan | Gold | HMO | $521.19 | $635.57 | $1,450 | $7,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $523.15 | $637.97 | $1,000 | $7,500 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $523.48 | $638.37 | $0 | $7,800 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $531.91 | $648.65 | $700 | $7,500 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $534.02 | $651.22 | $2,000 | $8,200 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $535.20 | $652.66 | $1,000 | $8,950 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $536.82 | $654.64 | $2,000 | $8,200 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $536.86 | $654.69 | $1,000 | $7,500 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $540.86 | $659.55 | $2,000 | $8,200 |
| Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $540.91 | $659.62 | $2,500 | $7,500 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $545.37 | $665.05 | $2,000 | $8,200 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $545.96 | $665.78 | $2,000 | $8,200 |
| Imperial Preferred Gold Zero Imperial Insurance Companies, Inc. | Gold | HMO | $548.02 | $668.30 | $0 | $9,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $548.49 | $668.86 | $800 | $7,250 |
| Gold Classic Oscar Insurance Company | Gold | EPO | $549.30 | $669.86 | $2,500 | $8,000 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $550.30 | $671.07 | $1,350 | $9,000 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $558.39 | $680.94 | $1,450 | $7,500 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $560.67 | $683.72 | $1,200 | $7,800 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $566.28 | $690.56 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $568.90 | $693.75 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $579.18 | $706.29 | $1,450 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $585.42 | $713.90 | $550 | $10,100 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $593.25 | $723.45 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $597.53 | $728.66 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $600.25 | $731.99 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $623.68 | $760.55 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $387/mo | $314 | $507 | 77 | 10 |
| 2023 | $444/mo | $369 | $561 | 45 | 8 |
| 2024 | $470/mo | $388 | $564 | 42 | 8 |
| 2025 | $472/mo | $385 | $606 | 46 | 9 |
| 2026 | $614/mo | $535 | $729 | 43 | 8 |
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 Montgomery, TX?
There are 112 ACA marketplace plans available in Montgomery from 8 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Montgomery?
The lowest-premium plan in Montgomery starts at $380/mo (Bronze tier, age 27). Silver plans start at $535/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Montgomery?
The benchmark (second-lowest Silver) premium in Montgomery is $548/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 Montgomery?
Average premiums in Montgomery changed by +33.6% 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 Montgomery?
The average annual deductible across all plans in Montgomery is $4,484, and the average out-of-pocket maximum is $9,179. 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 Montgomery?
There are 8 insurance issuers offering ACA marketplace plans in Montgomery, including Oscar Insurance Company, Blue Cross and Blue Shield of Texas, WellPoint, 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
