Plans, dominated plans, Short List and ladder rungs by age in Caldwell County
Age
Plans
Dominated
Short List
Ladder rungs
25
131
125 (95%)
6
3
40
131
129 (98%)
2
2
60
131
129 (98%)
2
2
The Short List at 25
6 plans out of 131. Every other plan on this menu costs more and protects no better.
Plan
Metal
Monthly
The Floor
Worst case
¢ per $1
CHRISTUS Catastrophic (3 Free PCP visits)CHRISTUS Health Plan · ladder rung
Catastrophic
$252.58
$3,031
$13,631
0¢
CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)CHRISTUS Health Plan
Expanded Bronze
$308.22
$3,699
$13,599
0¢
CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)CHRISTUS Health Plan
Expanded Bronze
$308.31
$3,700
$13,550
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung
Silver
$332.30
$3,988
$9,978
20.76¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare
Gold
$463.20
$5,558
$9,958
0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover
Gold
$518.72
$6,225
$9,625
86.37¢
Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($9,625). Anything past that point is just pre-paying for care.
The Short List at 40
2 plans out of 131. Every other plan on this menu costs more and protects no better.
Plan
Metal
Monthly
The Floor
Worst case
¢ per $1
CHRISTUS Catastrophic (3 Free PCP visits)CHRISTUS Health Plan · ladder rung
Catastrophic
$321.51
$3,858
$14,458
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung · crossover
Silver
$422.99
$5,076
$11,066
26.42¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($11,066). Anything past that point is just pre-paying for care.
The Short List at 60
2 plans out of 131. Every other plan on this menu costs more and protects no better.
Plan
Metal
Monthly
The Floor
Worst case
¢ per $1
CHRISTUS Catastrophic (3 Free PCP visits)CHRISTUS Health Plan · ladder rung
Catastrophic
$682.77
$8,193
$18,793
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung · crossover
Silver
$898.27
$10,779
$16,769
56.1¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($16,769). 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.
