The Texas Report · Willacy County · rating area 5

The Willacy County Efficiency Index Report

County

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Plans, dominated plans, Short List and ladder rungs by age in Willacy County
Age	Plans	Dominated	Short List	Ladder rungs
25	77	72 (94%)	5	3
40	77	72 (94%)	5	3
60	77	74 (96%)	3	2

The Short List at 25

5 plans out of 77. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Plus Bronze℠ 305Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$339.71	$4,077	$14,677	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$345.72	$4,149	$14,149	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$358.14	$4,298	$12,598	9.61¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$482.65	$5,792	$11,792	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$539.86	$6,478	$10,878	55.9¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($10,878). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 77. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Plus Bronze℠ 305Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$432.42	$5,189	$15,789	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$440.07	$5,281	$15,281	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung	Expanded Bronze	$455.88	$5,471	$13,771	12.26¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare	Silver	$614.36	$7,372	$13,372	0¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$687.19	$8,246	$12,646	71.15¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($12,646). Anything past that point is just pre-paying for care.

The Short List at 60

3 plans out of 77. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Blue Advantage Plus Bronze℠ 305Blue Cross and Blue Shield of Texas · ladder rung	Bronze	$918.31	$11,020	$21,620	0¢
Blue Advantage Bronze HMO℠ StandardBlue Cross and Blue Shield of Texas	Expanded Bronze	$934.54	$11,214	$21,214	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas · ladder rung · crossover	Expanded Bronze	$968.11	$11,617	$19,917	25.96¢

Worst case bottoms out at Blue Advantage Bronze HMO℠ 302 ($19,917). 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.