The Texas Report · Cooke County · rating area 19

The Cooke County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Cooke County
Age	Plans	Dominated	Short List	Ladder rungs
25	108	104 (96%)	4	3
40	108	104 (96%)	4	3
60	108	106 (98%)	2	2

The Short List at 25

4 plans out of 108. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$373.15	$4,478	$15,078	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$382.33	$4,588	$12,888	4.78¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$511.29	$6,135	$12,135	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$571.90	$6,863	$11,263	58.33¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,263). Anything past that point is just pre-paying for care.

The Short List at 40

4 plans out of 108. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$474.98	$5,700	$16,300	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$486.67	$5,840	$14,140	6.09¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$650.83	$7,810	$13,810	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$727.97	$8,736	$13,136	74.26¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($13,136). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 108. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$1,008.69	$12,104	$22,704	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung · crossover	Expanded Bronze	$1,033.50	$12,402	$20,702	12.96¢

Worst case bottoms out at Bronze 8300 HSA Off Exchange ($20,702). 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.