The Texas Report · Grayson County · rating area 19

The Grayson County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Grayson County
Age	Plans	Dominated	Short List	Ladder rungs
25	88	83 (94%)	5	3
40	88	83 (94%)	5	3
60	88	86 (98%)	2	2

The Short List at 25

5 plans out of 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$434.26	$5,211	$14,461	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$460.90	$5,531	$14,031	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas	Expanded Bronze	$464.97	$5,580	$13,880	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$511.29	$6,135	$12,135	28.43¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$571.90	$6,863	$11,263	45.5¢

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

5 plans out of 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$552.77	$6,633	$15,883	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$586.68	$7,040	$15,540	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas	Expanded Bronze	$591.87	$7,102	$15,402	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$650.83	$7,810	$13,810	36.22¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$727.97	$8,736	$13,136	57.88¢

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 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	Best case	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$1,173.88	$14,087	$23,337	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,382.11	$16,585	$22,585	76.86¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($22,585). 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.