Plans, dominated plans, Short List and ladder rungs by age in Orange County
Age
Plans
Dominated
Short List
Ladder rungs
25
112
107 (96%)
5
3
40
112
109 (97%)
3
3
60
112
110 (98%)
2
2
The Short List at 25
5 plans out of 112. 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
$266.68
$3,200
$13,800
0¢
CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)CHRISTUS Health Plan
Expanded Bronze
$325.52
$3,906
$13,756
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung
Silver
$350.85
$4,210
$10,200
21.91¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare
Gold
$472.28
$5,667
$10,067
0¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover
Gold
$511.34
$6,136
$9,536
74.36¢
Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($9,536). Anything past that point is just pre-paying for care.
The Short List at 40
3 plans out of 112. 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
$339.46
$4,074
$14,674
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung
Silver
$446.60
$5,359
$11,349
27.87¢
Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives)Wellpoint Insurance Company · ladder rung · crossover
Gold
$650.89
$7,811
$11,211
94.67¢
Worst case bottoms out at Wellpoint Essential ICHRA Gold 3400 HSA (+ Incentives) ($11,211). Anything past that point is just pre-paying for care.
The Short List at 60
2 plans out of 112. 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
$720.89
$8,651
$19,251
0¢
CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care)CHRISTUS Health Plan · ladder rung · crossover
Silver
$948.42
$11,381
$17,371
59.22¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($17,371). 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.
