The Texas Report · Garza County · rating area 14

The Garza County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Garza County
Age	Plans	Dominated	Short List	Ladder rungs
25	57	54 (95%)	3	2
40	57	54 (95%)	3	2
60	57	56 (98%)	1	1

The Short List at 25

3 plans out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung	Expanded Bronze	$382.63	$4,592	$12,592	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$488.15	$5,858	$11,858	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$546.01	$6,552	$10,952	54.44¢

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

3 plans out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung	Expanded Bronze	$487.05	$5,845	$13,845	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$621.37	$7,456	$13,456	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$695.02	$8,340	$12,740	69.31¢

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

1 plan out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
BSW Savers Bronze HMO H S A 006Scott and White Health Plan · ladder rung · crossover	Expanded Bronze	$1,034.32	$12,412	$20,412	0¢

Worst case bottoms out at BSW Savers Bronze HMO H S A 006 ($20,412). 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.