The Texas Report · Galveston County · rating area 10

The Galveston County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Galveston County
Age	Plans	Dominated	Short List	Ladder rungs
25	83	79 (95%)	4	4
40	83	79 (95%)	4	4
60	83	81 (98%)	2	2

The Short List at 25

4 plans out of 83. 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	$365.98	$4,392	$14,992	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$374.98	$4,500	$12,800	4.7¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$449.53	$5,394	$11,394	38.87¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$502.81	$6,034	$10,434	40¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,434). Anything past that point is just pre-paying for care.

The Short List at 40

4 plans out of 83. 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	$465.85	$5,590	$16,190	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$477.31	$5,728	$14,028	6¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$572.21	$6,867	$12,867	49.52¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$640.03	$7,680	$12,080	50.81¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,080). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 83. 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	$989.30	$11,872	$22,472	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung · crossover	Expanded Bronze	$1,013.63	$12,164	$20,464	12.7¢

Worst case bottoms out at Bronze 8300 HSA Off Exchange ($20,464). 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.