The Texas Report · Panola County · rating area 13

The Panola County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Panola County
Age	Plans	Dominated	Short List	Ladder rungs
25	60	54 (90%)	6	3
40	60	55 (92%)	5	3
60	60	57 (95%)	3	2

The Short List at 25

6 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
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$359.73	$4,317	$14,917	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$369.60	$4,435	$14,435	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$382.89	$4,595	$12,895	12.09¢
Everyday GoldAmbetter from Superior Health Plan	Gold	$453.53	$5,442	$12,692	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$470.57	$5,647	$11,647	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$526.34	$6,316	$10,716	44.13¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,716). 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
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$457.91	$5,495	$16,095	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$470.47	$5,646	$15,646	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$487.38	$5,849	$14,149	15.39¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$598.99	$7,188	$13,188	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$669.99	$8,040	$12,440	56.18¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,440). Anything past that point is just pre-paying for care.

The Short List at 60

3 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
Blue Advantage Bronze HMO℠ 301Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$972.43	$11,669	$22,269	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$999.10	$11,989	$21,989	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung · crossover	Expanded Bronze	$1,035.01	$12,420	$20,720	32.65¢

Worst case bottoms out at Blue Advantage Bronze HMO℠ 302 ($20,720). 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.