The Evidence
We publish the analysis behind everything we claim. Not a summary of it — the counts, the plans, the method, and the places our own numbers disagree with each other.
- 52,944
- Plan-listings scored
- 94.6%
- Failed the Index
- 254
- Counties
The Texas Report
Every ACA plan in all 254 Texas counties, at 25, 40, 60, scored by the Efficiency Index.
Methodology & literature
How the Floor, the Maximum Annual Exposure and the Short List are computed, and the research the method comes from.
Every county
One report per county — 254 of them, covering all of Texas.
- Anderson CountyRA 21
- Andrews CountyRA 16
- Angelina CountyRA 4
- Aransas CountyRA 7
- Archer CountyRA 24
- Armstrong CountyRA 2
- Atascosa CountyRA 18
- Austin CountyRA 26
- Bailey CountyRA 14
- Bandera CountyRA 18
- Bastrop CountyRA 3
- Baylor CountyRA 24
- Bee CountyRA 7
- Bell CountyRA 11
- Bexar CountyRA 18
- Blanco CountyRA 3
- Borden CountyRA 16
- Bosque CountyRA 23
- Bowie CountyRA 20
- Brazoria CountyRA 26
- Brazos CountyRA 6
- Brewster CountyRA 9
- Briscoe CountyRA 2
- Brooks CountyRA 15
- Brown CountyRA 1
- Burleson CountyRA 6
- Burnet CountyRA 3
- Caldwell CountyRA 3
- Calhoun CountyRA 22
- Callahan CountyRA 1
- Cameron CountyRA 5
- Camp CountyRA 20
- Carson CountyRA 2
- Cass CountyRA 20
- Castro CountyRA 2
- Chambers CountyRA 27
- Cherokee CountyRA 21
- Childress CountyRA 2
- Clay CountyRA 24
- Cochran CountyRA 14
- Coke CountyRA 17
- Coleman CountyRA 1
- Collin CountyRA 8
- Collingsworth CountyRA 2
- Colorado CountyRA 26
- Comal CountyRA 18
- Comanche CountyRA 1
- Concho CountyRA 17
- Cooke CountyRA 19
- Coryell CountyRA 11
- Cottle CountyRA 24
- Crane CountyRA 16
- Crockett CountyRA 17
- Crosby CountyRA 14
- Culberson CountyRA 9
- Dallam CountyRA 2
- Dallas CountyRA 8
- Dawson CountyRA 16
- Deaf Smith CountyRA 2
- Delta CountyRA 20
- Denton CountyRA 25
- DeWitt CountyRA 22
- Dickens CountyRA 14
- Dimmit CountyRA 18
- Donley CountyRA 2
- Duval CountyRA 12
- Eastland CountyRA 1
- Ector CountyRA 16
- Edwards CountyRA 18
- El Paso CountyRA 9
- Ellis CountyRA 8
- Erath CountyRA 25
- Falls CountyRA 23
- Fannin CountyRA 19
- Fayette CountyRA 3
- Fisher CountyRA 1
- Floyd CountyRA 14
- Foard CountyRA 24
- Fort Bend CountyRA 26
- Franklin CountyRA 20
- Freestone CountyRA 23
- Frio CountyRA 18
- Gaines CountyRA 16
- Galveston CountyRA 10
- Garza CountyRA 14
- Gillespie CountyRA 18
- Glasscock CountyRA 16
- Goliad CountyRA 22
- Gonzales CountyRA 18
- Gray CountyRA 2
- Grayson CountyRA 19
- Gregg CountyRA 13
- Grimes CountyRA 6
- Guadalupe CountyRA 18
- Hale CountyRA 14
- Hall CountyRA 2
- Hamilton CountyRA 11
- Hansford CountyRA 2
- Hardeman CountyRA 24
- Hardin CountyRA 4
- Harris CountyRA 10
- Harrison CountyRA 13
- Hartley CountyRA 2
- Haskell CountyRA 1
- Hays CountyRA 3
- Hemphill CountyRA 2
- Henderson CountyRA 21
- Hidalgo CountyRA 15
- Hill CountyRA 23
- Hockley CountyRA 14
- Hood CountyRA 25
- Hopkins CountyRA 20
- Houston CountyRA 4
- Howard CountyRA 16
- Hudspeth CountyRA 9
- Hunt CountyRA 8
- Hutchinson CountyRA 2
- Irion CountyRA 17
- Jack CountyRA 24
- Jackson CountyRA 22
- Jasper CountyRA 4
- Jeff Davis CountyRA 9
- Jefferson CountyRA 4
- Jim Hogg CountyRA 12
- Jim Wells CountyRA 7
- Johnson CountyRA 25
- Jones CountyRA 1
- Karnes CountyRA 22
- Kaufman CountyRA 8
- Kendall CountyRA 18
- Kenedy CountyRA 5
- Kent CountyRA 1
- Kerr CountyRA 18
- Kimble CountyRA 17
- King CountyRA 14
- Kinney CountyRA 18
- Kleberg CountyRA 7
- Knox CountyRA 24
- La Salle CountyRA 18
- Lamar CountyRA 20
- Lamb CountyRA 14
- Lampasas CountyRA 11
- Lavaca CountyRA 22
- Lee CountyRA 3
- Leon CountyRA 6
- Liberty CountyRA 27
- Limestone CountyRA 23
- Lipscomb CountyRA 2
- Live Oak CountyRA 7
- Llano CountyRA 3
- Loving CountyRA 16
- Lubbock CountyRA 14
- Lynn CountyRA 14
- Madison CountyRA 6
- Marion CountyRA 13
- Martin CountyRA 16
- Mason CountyRA 17
- Matagorda CountyRA 26
- Maverick CountyRA 18
- McCulloch CountyRA 17
- McLennan CountyRA 23
- McMullen CountyRA 12
- Medina CountyRA 18
- Menard CountyRA 17
- Midland CountyRA 16
- Milam CountyRA 6
- Mills CountyRA 11
- Mitchell CountyRA 1
- Montague CountyRA 24
- Montgomery CountyRA 27
- Moore CountyRA 2
- Morris CountyRA 20
- Motley CountyRA 14
- Nacogdoches CountyRA 4
- Navarro CountyRA 8
- Newton CountyRA 4
- Nolan CountyRA 1
- Nueces CountyRA 7
- Ochiltree CountyRA 2
- Oldham CountyRA 2
- Orange CountyRA 4
- Palo Pinto CountyRA 25
- Panola CountyRA 13
- Parker CountyRA 25
- Parmer CountyRA 2
- Pecos CountyRA 16
- Polk CountyRA 4
- Potter CountyRA 2
- Presidio CountyRA 9
- Rains CountyRA 21
- Randall CountyRA 2
- Reagan CountyRA 17
- Real CountyRA 18
- Red River CountyRA 20
- Reeves CountyRA 16
- Refugio CountyRA 7
- Roberts CountyRA 2
- Robertson CountyRA 6
- Rockwall CountyRA 8
- Runnels CountyRA 1
- Rusk CountyRA 13
- Sabine CountyRA 4
- San Augustine CountyRA 4
- San Jacinto CountyRA 4
- San Patricio CountyRA 7
- San Saba CountyRA 11
- Schleicher CountyRA 17
- Scurry CountyRA 1
- Shackelford CountyRA 1
- Shelby CountyRA 4
- Sherman CountyRA 2
- Smith CountyRA 21
- Somervell CountyRA 25
- Starr CountyRA 15
- Stephens CountyRA 1
- Sterling CountyRA 17
- Stonewall CountyRA 1
- Sutton CountyRA 17
- Swisher CountyRA 2
- Tarrant CountyRA 25
- Taylor CountyRA 1
- Terrell CountyRA 16
- Terry CountyRA 14
- Throckmorton CountyRA 1
- Titus CountyRA 20
- Tom Green CountyRA 17
- Travis CountyRA 3
- Trinity CountyRA 4
- Tyler CountyRA 4
- Upshur CountyRA 13
- Upton CountyRA 16
- Uvalde CountyRA 18
- Val Verde CountyRA 18
- Van Zandt CountyRA 21
- Victoria CountyRA 22
- Walker CountyRA 27
- Waller CountyRA 26
- Ward CountyRA 16
- Washington CountyRA 6
- Webb CountyRA 12
- Wharton CountyRA 26
- Wheeler CountyRA 2
- Wichita CountyRA 24
- Wilbarger CountyRA 24
- Willacy CountyRA 5
- Williamson CountyRA 3
- Wilson CountyRA 18
- Winkler CountyRA 16
- Wise CountyRA 25
- Wood CountyRA 21
- Yoakum CountyRA 14
- Young CountyRA 24
- Zapata CountyRA 12
- Zavala CountyRA 18
Plan year 2026. Analysis generated 2026-08-13 from 2 source files. Prices are the carriers’ own, set by law — Wellward does not affect them.