The Texas Report · Montgomery County · rating area 27
The Montgomery County Efficiency Index Report
What the menu looks like here
| Age | Plans | Dominated | Short List | Ladder rungs |
|---|---|---|---|---|
| 25 | 143 | 135 (94%) | 8 | 6 |
| 40 | 143 | 135 (94%) | 8 | 6 |
| 60 | 143 | 138 (97%) | 5 | 4 |
The Short List at 25
8 plans out of 143. Every other plan on this menu costs more and protects no better.
| Plan | Metal | Monthly | The Floor | Worst case | ¢ per $1 |
|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives)Wellpoint Insurance Company · ladder rung | Catastrophic | $339.37 | $4,072 | $14,672 | 0¢ |
| MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas | Expanded Bronze | $347.86 | $4,174 | $14,174 | 0¢ |
| MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung | Expanded Bronze | $361.26 | $4,335 | $13,335 | 16.44¢ |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung | Expanded Bronze | $372.85 | $4,474 | $12,924 | 25.27¢ |
| Wellpoint Essential ICHRA Bronze 8250 HSA (+ Incentives)Wellpoint Insurance Company | Expanded Bronze | $383.75 | $4,605 | $12,855 | 0¢ |
| UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung | Silver | $430.71 | $5,169 | $11,169 | 28.37¢ |
| UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung | Gold | $481.77 | $5,781 | $10,181 | 38.25¢ |
| Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover | Gold | $517.84 | $6,214 | $9,614 | 43.3¢ |
Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($9,614). Anything past that point is just pre-paying for care.
The Short List at 40
8 plans out of 143. Every other plan on this menu costs more and protects no better.
| Plan | Metal | Monthly | The Floor | Worst case | ¢ per $1 |
|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives)Wellpoint Insurance Company · ladder rung | Catastrophic | $431.99 | $5,184 | $15,784 | 0¢ |
| MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas | Expanded Bronze | $442.79 | $5,313 | $15,313 | 0¢ |
| MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung | Expanded Bronze | $459.85 | $5,518 | $14,518 | 20.88¢ |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung | Expanded Bronze | $474.60 | $5,695 | $14,145 | 32.18¢ |
| Wellpoint Essential ICHRA Bronze 8250 HSA (+ Incentives)Wellpoint Insurance Company | Expanded Bronze | $488.48 | $5,862 | $14,112 | 0¢ |
| UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung | Silver | $548.26 | $6,579 | $12,579 | 36.08¢ |
| UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung | Gold | $613.25 | $7,359 | $11,759 | 48.75¢ |
| Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover | Gold | $659.17 | $7,910 | $11,310 | 55.1¢ |
Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($11,310). Anything past that point is just pre-paying for care.
The Short List at 60
5 plans out of 143. Every other plan on this menu costs more and protects no better.
| Plan | Metal | Monthly | The Floor | Worst case | ¢ per $1 |
|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives)Wellpoint Insurance Company · ladder rung | Catastrophic | $917.39 | $11,009 | $21,609 | 0¢ |
| MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas | Expanded Bronze | $940.32 | $11,284 | $21,284 | 0¢ |
| MyBlue Health Bronze℠ 402Blue Cross and Blue Shield of Texas · ladder rung | Expanded Bronze | $976.55 | $11,719 | $20,719 | 44.38¢ |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung | Expanded Bronze | $1,007.87 | $12,094 | $20,544 | 68.18¢ |
| UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover | Silver | $1,164.30 | $13,972 | $19,972 | 76.65¢ |
Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($19,972). 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.