The Texas Report · Montague County · rating area 24

The Montague County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Montague County
Age	Plans	Dominated	Short List	Ladder rungs
25	60	55 (92%)	5	4
40	60	55 (92%)	5	4
60	60	56 (93%)	4	3

The Short List at 25

5 plans out of 60. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$360.45	$4,325	$14,925	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$373.42	$4,481	$14,031	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$380.45	$4,565	$13,065	11.43¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$422.05	$5,065	$11,065	20¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$472.08	$5,665	$10,065	37.5¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,065). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 60. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$458.82	$5,506	$16,106	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$475.32	$5,704	$15,254	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$484.28	$5,811	$14,311	14.52¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$537.23	$6,447	$12,447	25.44¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$600.91	$7,211	$11,611	47.75¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,611). Anything past that point is just pre-paying for care.

The Short List at 60

4 plans out of 60. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
UHC Bronze Essential ($0 Virtual Urgent Care)UnitedHealthcare · ladder rung	Bronze	$974.36	$11,692	$22,292	0¢
UHC Bronze-X Essential ($0 Virtual Urgent Care, $8 Tier 2 Rx) (Off-Exchange Only)UnitedHealthcare	Bronze	$1,009.41	$12,113	$21,663	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare · ladder rung	Expanded Bronze	$1,028.44	$12,341	$20,841	30.9¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,140.88	$13,691	$19,691	54¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($19,691). 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.