The Texas Report · Starr County · rating area 15

The Starr County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Starr County
Age	Plans	Dominated	Short List	Ladder rungs
25	57	52 (91%)	5	3
40	57	52 (91%)	5	3
60	57	54 (95%)	3	2

The Short List at 25

5 plans out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$344.68	$4,136	$14,736	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$349.89	$4,199	$14,199	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$362.46	$4,350	$12,650	9.3¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$487.07	$5,845	$11,845	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$544.81	$6,538	$10,938	56.1¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,938). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$438.75	$5,265	$15,865	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$445.38	$5,345	$15,345	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$461.38	$5,537	$13,837	11.83¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$620.00	$7,440	$13,440	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$693.49	$8,322	$12,722	71.41¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,722). Anything past that point is just pre-paying for care.

The Short List at 60

3 plans out of 57. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Security HMO℠ 200Blue Cross and Blue Shield of Texas · ladder rung	Catastrophic	$931.74	$11,181	$21,781	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$945.83	$11,350	$21,350	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung · crossover	Expanded Bronze	$979.81	$11,758	$20,058	25.09¢

Worst case bottoms out at Blue Advantage Bronze HMO℠ 302 ($20,058). 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.