The Texas Report · Cochran County · rating area 14

The Cochran County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Cochran County
Age	Plans	Dominated	Short List	Ladder rungs
25	48	42 (88%)	6	4
40	48	42 (88%)	6	4
60	48	43 (90%)	5	3

The Short List at 25

6 plans out of 48. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$408.25	$4,899	$15,499	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$419.44	$5,033	$15,033	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$431.90	$5,183	$14,733	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$434.52	$5,214	$13,514	13.7¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$488.15	$5,858	$11,858	28¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$546.01	$6,552	$10,952	43.38¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,952). Anything past that point is just pre-paying for care.

The Short List at 40

6 plans out of 48. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$519.66	$6,236	$16,836	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$533.91	$6,407	$16,407	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$549.77	$6,597	$16,147	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$553.11	$6,637	$14,937	17.43¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$621.37	$7,456	$13,456	35.61¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$695.02	$8,340	$12,740	55.25¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,740). Anything past that point is just pre-paying for care.

The Short List at 60

5 plans out of 48. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$1,103.57	$13,243	$23,843	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$1,133.83	$13,606	$23,606	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$1,167.50	$14,010	$23,560	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$1,174.59	$14,095	$22,395	37.04¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,319.56	$15,835	$21,835	75.65¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($21,835). Anything past that point is just pre-paying for care.

Plan year 2026, generated 2026-08-13. Best case 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.