The Texas Report · Brazos County · rating area 6

The Brazos County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Brazos County
Age	Plans	Dominated	Short List	Ladder rungs
25	70	64 (91%)	6	4
40	70	64 (91%)	6	4
60	70	65 (93%)	5	4

The Short List at 25

6 plans out of 70. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$351.54	$4,218	$14,818	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$364.19	$4,370	$13,920	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$371.05	$4,453	$12,953	11.19¢
BSW Savers Bronze HMO H S A 006Scott and White Health Plan	Expanded Bronze	$389.00	$4,668	$12,668	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$411.62	$4,939	$10,939	19.44¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$460.41	$5,525	$9,925	36.63¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($9,925). Anything past that point is just pre-paying for care.

The Short List at 40

6 plans out of 70. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$447.48	$5,370	$15,970	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$463.58	$5,563	$15,113	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$472.32	$5,668	$14,168	14.19¢
BSW Savers Bronze HMO H S A 006Scott and White Health Plan	Expanded Bronze	$495.16	$5,942	$13,942	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$523.96	$6,288	$12,288	24.8¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$586.07	$7,033	$11,433	46.56¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,433). Anything past that point is just pre-paying for care.

The Short List at 60

5 plans out of 70. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$950.29	$11,403	$22,003	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$984.47	$11,814	$21,364	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$1,003.03	$12,036	$20,536	30.14¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$1,112.70	$13,352	$19,352	52.64¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$1,244.59	$14,935	$19,335	98.94¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($19,335). Anything past that point is just pre-paying for care.

Plan year 2026, generated 2026-08-13. The Floor is the annual premium; worst case is the Maximum Annual Exposure — premium plus the most the plan can ask you to chip in. Method at /evidence/methodology. Prices are the carriers’ own, set by law.