The Texas Report · Harris County · rating area 10

The Harris County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Harris County
Age	Plans	Dominated	Short List	Ladder rungs
25	152	145 (95%)	7	3
40	152	147 (97%)	5	3
60	152	150 (99%)	2	2

The Short List at 25

7 plans out of 152. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice · ladder rung	Expanded Bronze	$294.21	$3,531	$14,131	0¢
Imperial Preferred BronzeImperial Insurance Companies, Inc. · ladder rung	Bronze	$302.67	$3,632	$12,832	7.21¢
Bronze 8300 HSA Off ExchangeOscar	Expanded Bronze	$374.98	$4,500	$12,800	0¢
Complete VALUE GoldAmbetter from Superior Health Plan	Gold	$434.86	$5,218	$12,718	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$449.53	$5,394	$11,394	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare	Gold	$502.81	$6,034	$10,434	0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover	Gold	$538.33	$6,460	$9,860	48.76¢

Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($9,860). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 152. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice · ladder rung	Expanded Bronze	$374.51	$4,494	$15,094	0¢
Imperial Preferred BronzeImperial Insurance Companies, Inc. · ladder rung	Bronze	$385.28	$4,623	$13,823	9.21¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$572.21	$6,867	$12,867	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare	Gold	$640.03	$7,680	$12,080	0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover	Gold	$685.25	$8,223	$11,623	62.07¢

Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($11,623). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 152. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)Community Health Choice · ladder rung	Expanded Bronze	$795.32	$9,544	$20,144	0¢
Imperial Preferred BronzeImperial Insurance Companies, Inc. · ladder rung · crossover	Bronze	$818.18	$9,818	$19,018	19.57¢

Worst case bottoms out at Imperial Preferred Bronze ($19,018). 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.