The Texas Report · Milam County · rating area 6

The Milam County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Milam County
Age	Plans	Dominated	Short List	Ladder rungs
25	90	86 (96%)	4	3
40	90	86 (96%)	4	3
60	90	88 (98%)	2	2

The Short List at 25

4 plans out of 90. 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	$325.02	$3,900	$14,500	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$333.01	$3,996	$12,296	4.17¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$411.62	$4,939	$10,939	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$460.41	$5,525	$9,925	39.21¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($9,925). Anything past that point is just pre-paying for care.

The Short List at 40

4 plans out of 90. 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	$413.72	$4,965	$15,565	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung	Expanded Bronze	$423.90	$5,087	$13,387	5.3¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$523.96	$6,288	$12,288	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$586.07	$7,033	$11,433	49.9¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,433). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 90. 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	$878.59	$10,543	$21,143	0¢
Bronze 8300 HSA Off ExchangeOscar · ladder rung · crossover	Expanded Bronze	$900.20	$10,802	$19,102	11.26¢

Worst case bottoms out at Bronze 8300 HSA Off Exchange ($19,102). 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.