ACA plans available
63
Plan year 2026
2026 data Public-data reference. official source
Wilson, Texas Health Insurance
Open-data reference.
63 ACA plans from 4 issuers - Plan year 2026
Wilson, Texas offers 63 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $373/mo and Silver plans start at $558/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$627
Avg Silver Premium/mo
$563
Benchmark Premium/mo
+42.9%
Year-over-Year Change
$4,482
Avg Deductible
What the Numbers Say About Wilson
Wilson, Texas has 63 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $627/mo for a 27-year-old non-tobacco user, with the lowest Silver at $558 and the highest at $774. Bronze plans start at $373/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $563/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,482 and the average out-of-pocket maximum is $9,367 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Wilson shifted by +42.9%, 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 Wilson, consumers have meaningful competition to pressure premiums lower. HMO is the most common network type in Wilson, with POS and EPO rounding out the alternatives. 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$411/mo avg
$373 - $449
Silver
20 plans$627/mo avg
$558 - $774
Gold
19 plans$535/mo avg
$466 - $662
Catastrophic plan available: avg $388/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Wilson is $563/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
$563 /mo
Sets your subsidy ceiling
Avg deductible
$4,482
Across all metal tiers
Wilson ACA plans by premium and deductible
Each marker is the Wilson 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.
Source: CMS Marketplace Public Use Files for Wilson, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Wilson
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| WellPoint | 21 | $462/mo |
| Blue Cross and Blue Shield of Texas | 16 | $608/mo |
| UnitedHealthcare | 14 | $505/mo |
| Oscar Insurance Company | 12 | $477/mo |
All Plans in Wilson
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) WellPoint | Catastrophic | HMO | $325.69 | $397.16 | $10,600 | $10,600 |
| Blue Advantage Security HMO℠ 200 Blue Cross and Blue Shield of Texas | Catastrophic | HMO | $450.41 | $549.26 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $373.21 | $455.12 | $10,600 | $10,600 |
| Blue Advantage Plus Bronze℠ 305 Blue Cross and Blue Shield of Texas | Bronze | POS | $449.29 | $547.89 | $7,300 | $10,600 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $342.79 | $418.02 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | HMO | $347.45 | $423.71 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) WellPoint | Expanded Bronze | HMO | $348.49 | $424.97 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) WellPoint | Expanded Bronze | HMO | $357.81 | $436.33 | $4,000 | $8,450 |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $361.73 | $441.11 | $5,500 | $10,600 |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $364.85 | $444.92 | $7,500 | $10,000 |
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Expanded Bronze | POS | $365.74 | $446.01 | $4,500 | $10,600 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $374.54 | $456.74 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $387.34 | $472.35 | $7,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $389.96 | $475.54 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $392.01 | $478.04 | $4,700 | $9,800 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $393.19 | $479.48 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $399.78 | $487.52 | $5,500 | $10,150 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $403.28 | $491.79 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $409.58 | $499.47 | $0 | $10,150 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $412.67 | $503.23 | $0 | $10,600 |
| Blue Advantage Bronze HMO℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $457.22 | $557.57 | $7,500 | $10,000 |
| Blue Advantage Bronze HMO℠ 204 Blue Cross and Blue Shield of Texas | Expanded Bronze | HMO | $457.73 | $558.19 | $6,000 | $10,150 |
| Blue Advantage Plus Bronze℠ Standard Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $470.32 | $573.54 | $7,500 | $10,000 |
| Blue Advantage Plus Bronze℠ 303 Blue Cross and Blue Shield of Texas | Expanded Bronze | POS | $485.27 | $591.77 | $7,000 | $10,150 |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $557.84 | $680.27 | $6,000 | $8,900 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $563.04 | $686.61 | $3,500 | $9,950 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $565.38 | $689.46 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | HMO | $568.79 | $693.62 | $3,500 | $9,950 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $574.05 | $700.03 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $583.29 | $711.30 | $3,000 | $8,950 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $583.97 | $712.13 | $3,500 | $9,200 |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $585.80 | $714.36 | $6,000 | $8,900 |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $590.11 | $719.62 | $4,000 | $9,550 |
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Silver | POS | $590.36 | $719.92 | $2,500 | $9,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $596.62 | $727.55 | $3,000 | $8,950 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $597.30 | $728.39 | $3,500 | $9,200 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $597.81 | $729.01 | $5,750 | $10,150 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $601.89 | $733.98 | $6,000 | $8,900 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $610.03 | $743.91 | $5,500 | $8,900 |
| Blue Advantage Silver HMO℠ Standard Blue Cross and Blue Shield of Texas | Silver | HMO | $737.88 | $899.81 | $6,000 | $8,900 |
| Blue Advantage Silver HMO℠ 205 Blue Cross and Blue Shield of Texas | Silver | HMO | $746.01 | $909.73 | $1,450 | $10,600 |
| Blue Advantage Plus Silver℠ 202 Blue Cross and Blue Shield of Texas | Silver | POS | $752.48 | $917.63 | $1,250 | $10,500 |
| Blue Advantage Plus Silver℠ Standard Blue Cross and Blue Shield of Texas | Silver | POS | $755.39 | $921.17 | $6,000 | $8,900 |
| Blue Advantage Plus Silver℠ 605 Blue Cross and Blue Shield of Texas | Silver | POS | $773.99 | $943.85 | $0 | $10,150 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $465.58 | $567.76 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $467.57 | $570.18 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | HMO | $468.36 | $571.15 | $1,500 | $5,000 |
| Wellpoint Essential Gold POS 700 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $489.03 | $596.35 | $700 | $7,500 |
| Wellpoint Essential Gold POS 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $490.97 | $598.72 | $2,000 | $8,200 |
| Wellpoint Essential Gold POS 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) WellPoint | Gold | POS | $492.06 | $600.05 | $1,000 | $8,950 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $495.35 | $604.06 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $506.90 | $618.14 | $0 | $7,800 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $508.50 | $620.09 | $1,000 | $7,500 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $512.12 | $624.52 | $2,000 | $8,200 |
| Gold Classic Oscar Insurance Company | Gold | EPO | $520.12 | $634.27 | $2,500 | $8,000 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $520.22 | $634.40 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $521.82 | $636.35 | $1,000 | $7,500 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $530.89 | $647.40 | $1,200 | $7,800 |
| Blue Advantage Gold HMO℠ 206 Blue Cross and Blue Shield of Texas | Gold | HMO | $621.31 | $757.66 | $550 | $10,100 |
| Blue Advantage Plus Gold℠ 803 Blue Cross and Blue Shield of Texas | Gold | POS | $629.62 | $767.80 | $2,400 | $10,400 |
| Blue Advantage Gold HMO℠ Standard Blue Cross and Blue Shield of Texas | Gold | HMO | $634.16 | $773.33 | $2,000 | $8,200 |
| Blue Advantage Plus Gold℠ 203 Blue Cross and Blue Shield of Texas | Gold | POS | $637.05 | $776.86 | $1,700 | $10,150 |
| Blue Advantage Plus Gold℠ Standard Blue Cross and Blue Shield of Texas | Gold | POS | $661.91 | $807.17 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $449/mo | $415 | $469 | 3 | 1 |
| 2023 | $484/mo | $458 | $505 | 5 | 1 |
| 2024 | $453/mo | $405 | $508 | 17 | 3 |
| 2025 | $455/mo | $416 | $551 | 25 | 5 |
| 2026 | $627/mo | $558 | $774 | 20 | 4 |
Frequently Asked Questions
How many ACA plans are available in Wilson, TX?
There are 63 ACA marketplace plans available in Wilson from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Wilson?
The lowest-premium plan in Wilson starts at $373/mo (Bronze tier, age 27). Silver plans start at $558/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Wilson?
The benchmark (second-lowest Silver) premium in Wilson is $563/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 Wilson?
Average premiums in Wilson changed by +42.9% 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 Wilson?
The average annual deductible across all plans in Wilson is $4,482, and the average out-of-pocket maximum is $9,367. 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 Wilson?
There are 4 insurance issuers offering ACA marketplace plans in Wilson, 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 Wilson, TX's $563/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
