The Texas Report · Houston County · rating area 4

The Houston County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Houston County
Age	Plans	Dominated	Short List	Ladder rungs
25	57	52 (91%)	5	4
40	57	52 (91%)	5	4
60	57	53 (93%)	4	3

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 Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$343.82	$4,126	$14,726	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$349.02	$4,188	$14,188	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$361.56	$4,339	$12,639	9.26¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$422.23	$5,067	$11,067	31.65¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$472.28	$5,667	$10,067	37.5¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,067). 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 Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$437.65	$5,252	$15,852	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$444.27	$5,331	$15,331	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$460.23	$5,523	$13,823	11.78¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$537.46	$6,450	$12,450	40.3¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$601.17	$7,214	$11,614	47.75¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,614). Anything past that point is just pre-paying for care.

The Short List at 60

4 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 Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$929.41	$11,153	$21,753	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$943.47	$11,322	$21,322	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$977.37	$11,728	$20,028	25¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,141.37	$13,696	$19,696	85.57¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($19,696). 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.