ACA plans available
58
Plan year
2026 data Public-data reference. official source
Refugio, Texas Health Insurance
Open-data reference.
58 ACA plans from 4 issuers — Plan year 2026
Refugio, Texas offers 58 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $392/mo and Silver plans start at $538/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$636
Avg Silver Premium/mo
$554
Benchmark Premium/mo
+34.8%
Year-over-Year Change
$4,851
Avg Deductible
What the Numbers Say About Refugio
Refugio, Texas has 58 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $636/mo for a 27-year-old non-tobacco user, with the lowest Silver at $538 and the highest at $770. Bronze plans start at $392/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $554/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 $4,851 and the average out-of-pocket maximum is $9,055 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Refugio shifted by +34.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Refugio, 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$419/mo avg
$392 — $447
Silver
21 plans$636/mo avg
$538 — $770
Gold
21 plans$555/mo avg
$463 — $658
Catastrophic plan available: avg $370/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Refugio is $554/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
4
Competitive market
Benchmark Silver
$554 /mo
Sets your subsidy ceiling
Avg deductible
$4,851
Across all metal tiers
Refugio ACA plans by premium and deductible
Each marker is the Refugio 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 Refugio, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Refugio
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Texas | 16 | $604/mo |
| CHRISTUS Health Plan | 16 | $456/mo |
| UnitedHealthcare | 14 | $530/mo |
| Ambetter from Superior HealthPlan | 12 | $595/mo |
All Plans in Refugio
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| CHRISTUS Catastrophic (3 Free PCP visits) CHRISTUS Health Plan | Catastrophic | HMO | $292.23 | $356.37 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $447.87 | $546.17 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $391.51 | $477.43 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $446.75 | $544.80 | $7,300 | $10,600 |
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $351.96 | $429.20 | $7,500 | $10,000 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Expanded Bronze | HMO | $356.61 | $434.88 | $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 | $356.71 | $434.99 | $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 | $366.31 | $446.70 | $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 | $366.82 | $447.33 | $7,450 | $9,850 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $409.07 | $498.84 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $423.05 | $515.89 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $432.89 | $527.90 | $0 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $454.64 | $554.42 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $455.16 | $555.05 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $467.67 | $570.31 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $482.53 | $588.43 | $7,000 | $10,150 |
| CHRISTUS Value Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $538.27 | $656.40 | $5,990 | $5,990 |
| CHRISTUS Standard Silver 70 ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $554.16 | $675.78 | $6,000 | $8,900 |
| CHRISTUS Value Silver 70 + Dental & Vision ($0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $554.26 | $675.90 | $5,990 | $5,990 |
| CHRISTUS Silver Essential 70 ($5 PCP, $0 Preferred Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Silver | HMO | $569.68 | $694.71 | $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 | $585.82 | $714.38 | $6,900 | $9,300 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $602.18 | $734.34 | $6,000 | $8,900 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $605.46 | $738.34 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $608.56 | $742.12 | $6,300 | $8,400 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $611.88 | $746.16 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $612.59 | $747.04 | $3,500 | $9,200 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $614.28 | $749.10 | $5,000 | $8,650 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $625.86 | $763.21 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $626.57 | $764.09 | $3,500 | $9,200 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $628.21 | $766.08 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $631.44 | $770.02 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $637.38 | $777.26 | $5,000 | $8,650 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $733.72 | $894.74 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $741.81 | $904.61 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $748.24 | $912.45 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $751.13 | $915.98 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $769.62 | $938.52 | $0 | $10,150 |
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $462.65 | $564.18 | $2,000 | $8,200 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $468.98 | $571.90 | $3,750 | $9,200 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $481.60 | $587.30 | $3,750 | $9,200 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $487.93 | $595.01 | $0 | $9,200 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) CHRISTUS Health Plan | Gold | HMO | $503.44 | $613.92 | $0 | $9,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $519.62 | $633.66 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $531.74 | $648.44 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $533.42 | $650.49 | $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 | $545.72 | $665.49 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $547.40 | $667.54 | $1,000 | $7,500 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $553.56 | $675.05 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $556.12 | $678.17 | $800 | $7,250 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $566.16 | $690.42 | $1,450 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $574.16 | $700.17 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $576.82 | $703.41 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $587.24 | $716.12 | $1,450 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $617.81 | $753.39 | $550 | $10,100 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $626.06 | $763.46 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $630.58 | $768.97 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $633.45 | $772.47 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $658.18 | $802.62 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $459/mo | $397 | $490 | 27 | 4 |
| 2023 | $490/mo | $436 | $563 | 19 | 4 |
| 2024 | $484/mo | $428 | $566 | 25 | 5 |
| 2025 | $494/mo | $446 | $604 | 15 | 3 |
| 2026 | $636/mo | $538 | $770 | 21 | 4 |
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 Refugio, TX?
There are 58 ACA marketplace plans available in Refugio from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Refugio?
The lowest-premium plan in Refugio starts at $392/mo (Bronze tier, age 27). Silver plans start at $538/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Refugio?
The benchmark (second-lowest Silver) premium in Refugio is $554/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 Refugio?
Average premiums in Refugio changed by +34.8% 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 Refugio?
The average annual deductible across all plans in Refugio is $4,851, and the average out-of-pocket maximum is $9,055. 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 Refugio?
There are 4 insurance issuers offering ACA marketplace plans in Refugio, including Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, 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
