The Texas Report · McMullen County · rating area 12

The McMullen County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in McMullen County
Age	Plans	Dominated	Short List	Ladder rungs
25	68	64 (94%)	4	3
40	68	65 (96%)	3	3
60	68	66 (97%)	2	2

The Short List at 25

4 plans out of 68. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$359.46	$4,314	$14,914	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$368.30	$4,420	$12,720	4.61¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$528.02	$6,336	$12,336	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$590.61	$7,087	$11,487	68.38¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,487). Anything past that point is just pre-paying for care.

The Short List at 40

3 plans out of 68. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$457.56	$5,491	$16,091	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$468.81	$5,626	$13,926	5.87¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$751.79	$9,021	$13,421	87.05¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($13,421). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 68. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar · ladder rung	Expanded Bronze	$971.69	$11,660	$22,260	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung · crossover	Expanded Bronze	$995.59	$11,947	$20,247	12.48¢

Worst case bottoms out at Bronze 8300 HSA Off Exchange ($20,247). 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.