The Texas Report · Hays County · rating area 3

The Hays County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Hays County
Age	Plans	Dominated	Short List	Ladder rungs
25	117	112 (96%)	5	3
40	117	112 (96%)	5	3
60	117	113 (97%)	4	3

The Short List at 25

5 plans out of 117. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 SpecialistSendero Health Plans · ladder rung	Expanded Bronze	$339.89	$4,079	$14,079	0¢
Imperial Preferred BronzeImperial Insurance Companies, Inc.	Bronze	$366.39	$4,397	$13,597	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$373.30	$4,480	$12,980	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$414.11	$4,969	$10,969	22.25¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$463.20	$5,558	$9,958	36.81¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($9,958). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 117. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 SpecialistSendero Health Plans · ladder rung	Expanded Bronze	$432.65	$5,192	$15,192	0¢
Imperial Preferred BronzeImperial Insurance Companies, Inc.	Bronze	$466.37	$5,596	$14,796	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$475.17	$5,702	$14,202	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$527.13	$6,326	$12,326	28.35¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$589.61	$7,075	$11,475	46.81¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,475). Anything past that point is just pre-paying for care.

The Short List at 60

4 plans out of 117. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 SpecialistSendero Health Plans · ladder rung	Expanded Bronze	$918.79	$11,025	$21,025	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$1,009.09	$12,109	$20,609	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$1,119.43	$13,433	$19,433	60.2¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$1,252.11	$15,025	$19,425	99.5¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($19,425). 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.