Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,295). Anything past that point is just pre-paying for care.
The Short List at 40
2 plans out of 64. Every other plan on this menu costs more and protects no better.
Plan
Metal
Monthly
The Floor
Worst case
¢ per $1
CHRISTUS Catastrophic (3 Free PCP visits)CHRISTUS Health Plan · ladder rung
Catastrophic
$356.37
$4,276
$14,876
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung · crossover
Silver
$468.85
$5,626
$11,616
29.28¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($11,616). Anything past that point is just pre-paying for care.
The Short List at 60
2 plans out of 64. Every other plan on this menu costs more and protects no better.
Plan
Metal
Monthly
The Floor
Worst case
¢ per $1
CHRISTUS Catastrophic (3 Free PCP visits)CHRISTUS Health Plan · ladder rung
Catastrophic
$756.79
$9,081
$19,681
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung · crossover
Silver
$995.66
$11,948
$17,938
62.19¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($17,938). 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.
