ACA plans available
48
Plan year 2026
CMS Marketplace county · plan year 2026
Wharton, 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
- $655
- Silver avg/mo
- 48
- ACA plans
- 4
- Issuers
- +30.5%
- YoY premium
Silver avg $655/mo
Wharton, Texas has 48 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $655/mo; Bronze averages $441/mo and Gold $572/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #842 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $587/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Wharton, Texas ranks #842 of 2,055 counties by listed Silver average ($655/mo) and #805 of 2,055 by plan count (48 plans).
- #842 of 2,055
- Silver average among 2,055 counties
- $655
- Listed Silver average /mo
- #805 of 2,055
- Plan count among 2,055 counties
- 48
- 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.
Wharton, Texas offers 48 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $382/mo and Silver plans start at $584/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$655
Avg Silver Premium/mo
$587
Benchmark Premium/mo
+30.5%
Year-over-Year Change
$4,324
Avg Deductible
Mid-pack marketplace
Wharton marketplace standing
48 plans from 4 issuers for plan year 2026. Corpus place #842 of 2055 (highest Silver = #1).
Mid-pack Silver avg $655/mo with 48 plans . YoY average shift: +30.5%. HMO is the most common network type in Wharton, with EPO and POS rounding out the alternatives.
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
11 plans$441/mo avg
$382 - $544
Silver
18 plans$655/mo avg
$584 - $867
Gold
18 plans$572/mo avg
$506 - $742
Catastrophic plan available: avg $417/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Wharton is $587/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
4
Competitive market
Benchmark Silver
$587 /mo
Sets your subsidy ceiling
Avg deductible
$4,324
Across all metal tiers
C+
Marketplace Access Score
61/100
Wharton
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 D
$587/mo
Benchmark Silver premium; rank #842 of 2055 tracked counties (cheapest first)
Plan Choice C+
48 plans
ACA marketplace plan count; rank #805 of 2055 tracked counties (most first)
Issuer Competition C-
4 issuers
Distinct marketplace issuers; rank #955 of 2055 tracked counties (most first)
Cost Predictability A+
$4,324
Average deductible across tracked plans; rank #1953 of 2055 tracked counties (lowest first)
Wharton ACA plans by premium and deductible
Each marker is the Wharton 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.
Wharton ACA marketplace plans: premium vs deductible
How Wharton's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Wharton vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$655 842nd of 2055 higher than 1,213 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 Wharton
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Texas | 16 | $631/mo |
| UnitedHealthcare | 14 | $516/mo |
| Ambetter from Superior HealthPlan | 12 | $574/mo |
| Community Health Choice | 6 | $527/mo |
All Plans in Wharton
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $416.89 | $508.39 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $381.51 | $465.24 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $503.46 | $613.95 | $7,300 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $398.63 | $486.11 | $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 | $404.24 | $492.96 | $8,500 | $10,600 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $412.25 | $502.73 | $7,500 | $10,000 |
| 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 | $416.44 | $507.84 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $421.84 | $514.42 | $0 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $423.19 | $516.07 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $423.67 | $516.66 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $527.03 | $642.69 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $543.78 | $663.12 | $7,000 | $10,150 |
| Standard Silver Ambetter from Superior HealthPlan | Silver | EPO | $583.70 | $711.80 | $6,000 | $8,900 |
| Focused Silver Ambetter from Superior HealthPlan | Silver | EPO | $586.69 | $715.45 | $6,300 | $8,400 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $586.81 | $715.60 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter from Superior HealthPlan | Silver | EPO | $592.20 | $722.17 | $5,000 | $8,650 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $596.26 | $727.12 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $596.96 | $727.97 | $3,500 | $9,200 |
| Standard Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $605.63 | $738.55 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $608.74 | $742.34 | $6,300 | $8,400 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $609.88 | $743.73 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $610.58 | $744.58 | $3,500 | $9,200 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter from Superior HealthPlan | Silver | EPO | $614.47 | $749.32 | $5,000 | $8,650 |
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Silver | HMO | $633.56 | $772.60 | $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 | $634.15 | $773.33 | $2,800 | $10,600 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $682.97 | $832.86 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $690.51 | $842.05 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $843.21 | $1,028.27 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $846.47 | $1,032.24 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $867.30 | $1,057.65 | $0 | $10,150 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $506.36 | $617.49 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $518.17 | $631.89 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $519.80 | $633.88 | $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 | $531.79 | $648.50 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $533.43 | $650.50 | $1,000 | $7,500 |
| Standard Gold Ambetter from Superior HealthPlan | Gold | EPO | $533.67 | $650.79 | $2,000 | $8,200 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $535.29 | $652.77 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Superior HealthPlan | Gold | EPO | $536.13 | $653.79 | $800 | $7,250 |
| Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) Community Health Choice | Gold | HMO | $539.37 | $657.74 | $2,500 | $7,500 |
| Complete Gold Ambetter from Superior HealthPlan | Gold | EPO | $545.81 | $665.60 | $1,450 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $553.52 | $675.00 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $556.08 | $678.13 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Superior HealthPlan | Gold | EPO | $566.14 | $690.38 | $1,450 | $7,500 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $575.08 | $701.29 | $550 | $10,100 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $586.97 | $715.80 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $705.52 | $860.36 | $2,400 | $10,400 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $713.85 | $870.51 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $741.71 | $904.49 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $461/mo | $427 | $490 | 26 | 4 |
| 2023 | $452/mo | $408 | $603 | 25 | 5 |
| 2024 | $487/mo | $438 | $606 | 26 | 5 |
| 2025 | $496/mo | $409 | $648 | 18 | 4 |
| 2026 | $655/mo | $584 | $867 | 18 | 4 |
What this means for Wharton
Use Wharton's own numbers here, not a national average, before you enroll.
- $655/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 48 plans from 4 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
Where does Wharton sit on Silver premiums vs other counties?
Wharton ranks #842 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $655/mo. See /methodology#corpus-placement.
How many ACA plans are available in Wharton, TX?
There are 48 ACA marketplace plans available in Wharton from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Wharton?
The lowest-premium plan in Wharton starts at $382/mo (Bronze tier, age 27). Silver plans start at $584/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Wharton?
The benchmark (second-lowest Silver) premium in Wharton is $587/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Wharton premiums rise +30.5% year-over-year?
The average age-27 premium in Wharton changed by +30.5% 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 Wharton?
The average annual deductible across all plans in Wharton is $4,324, and the average out-of-pocket maximum is $9,092. 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 Wharton's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Wharton, including Blue Cross and Blue Shield of Texas, UnitedHealthcare, Ambetter from Superior HealthPlan, 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 Wharton, TX's $587/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 Wharton, 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 ($587/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 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.