The Texas Report · El Paso County · rating area 9

The El Paso County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in El Paso County
Age	Plans	Dominated	Short List	Ladder rungs
25	147	141 (96%)	6	3
40	147	141 (96%)	6	3
60	147	145 (99%)	2	2

The Short List at 25

6 plans out of 147. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$295.18	$3,542	$13,542	0¢
MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$306.54	$3,678	$12,678	13.6¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$442.90	$5,315	$11,315	0¢
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Wellpoint Insurance Company	Gold	$489.06	$5,869	$10,869	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare	Gold	$495.39	$5,945	$10,345	0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover	Gold	$518.93	$6,227	$9,627	45.52¢

Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($9,627). Anything past that point is just pre-paying for care.

The Short List at 40

6 plans out of 147. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$375.73	$4,509	$14,509	0¢
MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$390.20	$4,682	$13,682	17.3¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$563.77	$6,765	$12,765	0¢
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Wellpoint Insurance Company	Gold	$622.53	$7,470	$12,470	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare	Gold	$630.59	$7,567	$11,967	0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover	Gold	$660.55	$7,927	$11,327	57.95¢

Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($11,327). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 147. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$797.92	$9,575	$19,575	0¢
MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung · crossover	Expanded Bronze	$828.64	$9,944	$18,944	36.9¢

Worst case bottoms out at MyBlue Health Bronze℠ 402 ($18,944). 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.