Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,067). Anything past that point is just pre-paying for care.
The Short List at 40
2 plans out of 84. 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 · crossover
Silver
$446.60
$5,359
$11,349
27.87¢
Worst case bottoms out at CHRISTUS Off Exchange - Value Silver 70 ($0 Virtual Urgent Care) ($11,349). Anything past that point is just pre-paying for care.
The Short List at 60
2 plans out of 84. 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.
