The Texas Report · Hemphill County · rating area 2

The Hemphill County Efficiency Index Report

County

What the menu looks like here

Plans, dominated plans, Short List and ladder rungs by age in Hemphill County
Age	Plans	Dominated	Short List	Ladder rungs
25	57	52 (91%)	5	4
40	57	52 (91%)	5	4
60	57	54 (95%)	3	2

The Short List at 25

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

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$380.96	$4,572	$15,172	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$391.41	$4,697	$14,697	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$405.48	$4,866	$13,166	12.78¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$484.10	$5,809	$11,809	41¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$541.48	$6,498	$10,898	43.06¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,898). Anything past that point is just pre-paying for care.

The Short List at 40

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

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$484.92	$5,819	$16,419	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$498.23	$5,979	$15,979	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$516.13	$6,194	$14,494	16.3¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$616.21	$7,395	$13,395	52.22¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$689.25	$8,271	$12,671	54.75¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,671). Anything past that point is just pre-paying for care.

The Short List at 60

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

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$1,029.80	$12,358	$22,958	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$1,058.05	$12,697	$22,697	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung · crossover	Expanded Bronze	$1,096.08	$13,153	$21,453	34.57¢

Worst case bottoms out at Blue Advantage Bronze HMO℠ 302 ($21,453). 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.