ACA plans available
13
Plan year 2026
CMS Marketplace county · plan year 2026
Texas, Oklahoma ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $737
- Silver avg/mo
- 13
- ACA plans
- 1
- Issuer
- +38.3%
- YoY premium
Silver avg $737/mo
Texas, Oklahoma has 13 ACA marketplace plans from 1 issuer (plan year 2026). Average Silver premium is $737/mo; Bronze averages $561/mo and Gold $713/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #299 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $671/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Texas, Oklahoma ranks #299 of 2,055 counties by listed Silver average ($737/mo) and #2,010 of 2,055 by plan count (13 plans).
- #299 of 2,055
- Silver average among 2,055 counties
- $737
- Listed Silver average /mo
- #2,010 of 2,055
- Plan count among 2,055 counties
- 13
- 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.
Texas, Oklahoma offers 13 ACA marketplace plans from 1 issuer for plan year 2026. Bronze plans start at $472/mo and Silver plans start at $637/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$737
Avg Silver Premium/mo
$671
Benchmark Premium/mo
+38.3%
Year-over-Year Change
$4,583
Avg Deductible
High-premium band
Texas in the high-premium third
$737/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #299 of 2055 (highest Silver = #1).
Bronze starts at $472/mo; Silver spans $637–$965/mo (age 27). Benchmark (2nd-lowest Silver) is $671/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
4 plans$561/mo avg
$472 - $732
Silver
4 plans$737/mo avg
$637 - $965
Gold
4 plans$713/mo avg
$619 - $937
Catastrophic plan available: avg $674/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Texas is $671/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
1
Limited competition
Benchmark Silver
$671 /mo
Sets your subsidy ceiling
Avg deductible
$4,583
Across all metal tiers
F
Marketplace Access Score
27/100
Texas
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
$671/mo
Benchmark Silver premium; rank #299 of 2055 tracked counties (cheapest first)
Plan Choice F
13 plans
ACA marketplace plan count; rank #2010 of 2055 tracked counties (most first)
Issuer Competition F
1 issuer
Distinct marketplace issuers; rank #2047 of 2055 tracked counties (most first)
Cost Predictability A
$4,583
Average deductible across tracked plans; rank #1780 of 2055 tracked counties (lowest first)
Texas ACA plans by premium and deductible
Each marker is the Texas 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.
Texas ACA marketplace plans: premium vs deductible
How Texas's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Texas vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$737 299th of 2055 higher than 1,755 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 Texas
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | 13 | $670/mo |
All Plans in Texas
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Oklahoma | Catastrophic | PPO | $673.93 | $821.83 | $10,600 | $10,600 |
| Blue Advantage Bronze PPO℠ 202 Blue Cross and Blue Shield of Oklahoma | Bronze | PPO | $471.59 | $575.09 | $6,800 | $10,600 |
| Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $500.94 | $610.88 | $7,500 | $10,000 |
| Blue Advantage Bronze PPO℠ 203 Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $537.96 | $656.02 | $4,500 | $8,300 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $731.88 | $892.50 | $7,500 | $10,000 |
| Blue Advantage Silver PPO℠ 501 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $636.87 | $776.64 | $3,500 | $10,600 |
| Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $670.54 | $817.70 | $6,000 | $8,900 |
| Blue Advantage Silver PPO℠ 204 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $674.55 | $822.58 | $1,025 | $10,150 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $965.25 | $1,177.09 | $6,000 | $8,900 |
| Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $619.05 | $754.91 | $1,050 | $10,600 |
| Blue Advantage Gold PPO℠ 604 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $636.49 | $776.18 | $1,100 | $8,600 |
| Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $658.73 | $803.30 | $2,000 | $8,200 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $937.29 | $1,142.99 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $571/mo | $460 | $740 | 4 | 2 |
| 2023 | $581/mo | $476 | $782 | 5 | 2 |
| 2024 | $530/mo | $479 | $598 | 5 | 1 |
| 2025 | $565/mo | $507 | $680 | 3 | 1 |
| 2026 | $737/mo | $637 | $965 | 4 | 1 |
What this means for Texas
Use Texas's own numbers here, not a national average, before you enroll.
- $737/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 13 plans from 1 issuer puts Texas in the thinnest third of tracked counties -- check the rest of Oklahoma for more options. All of Oklahoma
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 Texas's Silver premium in the high band?
Texas ranks #299 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $737/mo. See /methodology#corpus-placement.
Why does Texas carry a thin ACA plan book?
Texas lists 13 marketplace plans from 1 issuer - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the floor premium in high-cost Texas?
The lowest-premium plan in Texas starts at $472/mo (Bronze tier, age 27). Silver plans start at $637/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Texas benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Texas is $671/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Texas premiums rise +38.3% year-over-year?
The average age-27 premium in Texas changed by +38.3% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Texas?
Only 1 issuer sell marketplace plans in Texas (Blue Cross and Blue Shield of Oklahoma). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Texas?
There are 1 insurance issuer offering ACA marketplace plans in Texas, including Blue Cross and Blue Shield of Oklahoma. 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 Texas, OK's $671/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown 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.