The Texas Report · Colorado County · rating area 26

The Colorado County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Colorado County
Age	Plans	Dominated	Short List	Ladder rungs
25	57	52 (91%)	5	4
40	57	52 (91%)	5	4
60	57	53 (93%)	4	3

The Short List at 25

5 plans out of 57. 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	$365.49	$4,386	$14,986	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$378.64	$4,544	$14,094	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$385.78	$4,629	$13,129	11.57¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$427.96	$5,136	$11,136	20.28¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$478.68	$5,744	$10,144	38¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,144). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 57. 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	$465.24	$5,583	$16,183	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$481.98	$5,784	$15,334	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$491.06	$5,893	$14,393	14.76¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$544.75	$6,537	$12,537	25.76¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$609.32	$7,312	$11,712	48.44¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,712). Anything past that point is just pre-paying for care.

The Short List at 60

4 plans out of 57. 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	$988.00	$11,856	$22,456	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$1,023.54	$12,282	$21,832	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$1,042.83	$12,514	$21,014	31.33¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,156.85	$13,882	$19,882	54.72¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($19,882). 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.