Health insurance plans in Caldwell County, TX (2026)
209 marketplace plans from 18 insurers are offered in Caldwell County. The cheapest silver plan is $586 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $375 | 53 |
| Silver | $586 | 77 |
| Gold | $502 | 76 |
| Catastrophic | $335 | 3 |
All plans in Caldwell County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic | HMO | — | — | $335 |
| Community Health Choice | Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Bronze | HMO | — | — | $375 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze | HMO | — | — | $385 |
| Community Health Choice | Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Bronze | HMO | — | — | $397 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Bronze | HMO | — | — | $404 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | HMO | — | — | $409 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | HMO | — | — | $409 |
| Community Health Choice | Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Bronze | HMO | — | — | $411 |
| Imperial Insurance Companies, Inc. | Imperial Standard Bronze | Bronze | HMO | — | — | $412 |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | HMO | — | — | $420 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | Bronze | HMO | — | — | $421 |
| Sendero Health Plans, Local Nonprofit | Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialist | Bronze | HMO | — | — | $433 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | — | — | $449 |
| UnitedHealthcare | UHC Sanitas Bronze Standard · UHC Sanitas Bronze-X Standard | Bronze | HMO | — | — | $452 |
| Sendero Health Plans, Local Nonprofit | Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugs | Bronze | HMO | — | — | $459 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | EPO | — | — | $466 |
| UnitedHealthcare | UHC Sanitas Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) · UHC Sanitas Bronze-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Bronze | HMO | $0 | — | $472 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | — | — | $473 |
| WellPoint | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | — | — | $479 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs) | Bronze | HMO | — | — | $481 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | EPO | — | — | $482 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | EPO | — | — | $488 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) · UHC Bronze-X Essential ($0 Virtual Urgent Care) | Bronze | HMO | — | — | $489 |
| UnitedHealthcare | UHC Sanitas Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) · UHC Sanitas Bronze-X Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Bronze | HMO | $0 | — | $489 |
| Oscar Insurance Company | Bronze Simple Diabetes | Bronze | EPO | — | — | $489 |
| WellPoint | Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Bronze | HMO | — | — | $493 |
| Community Health Choice | Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Bronze | HMO | — | — | $494 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Bronze | EPO | — | — | $497 |
| WellPoint | Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | POS | — | — | $499 |
| Community Health Choice | Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | — | — | $502 |
| WellPoint | Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | POS | — | — | $503 |
| WellPoint | Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | POS | — | — | $504 |
| Community Health Choice | Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Bronze | HMO | — | — | $509 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | EPO | $0 | — | $509 |
| UnitedHealthcare | UHC Bronze Standard · UHC Bronze-X Standard | Bronze | HMO | — | — | $511 |
| Community Health Choice | Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | — | — | $514 |
| Community Health Choice | Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Gold | HMO | — | — | $519 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) · UHC Bronze-X Standard+ (Dental + Vision) | Bronze | HMO | — | — | $528 |
| CHRISTUS Health Plan | CHRISTUS Standard Gold ($0 Virtual Urgent Care) | Gold | HMO | — | — | $531 |
| Community First | University Community Care Plan by Community First - Gold Plan Standard | Gold | EPO | — | — | $532 |
Showing 40 of 209 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $459 |
| 40 | $586 |
| 60 | $1,245 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Texas · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Caldwell County County?
The cheapest plan for a 40-year-old non-smoker is $335 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $586.
How much does health insurance cost in Caldwell County County?
For a 40-year-old non-smoker the cheapest plans in Caldwell County start around $335 a month before subsidies. Silver plans cost from $586; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Caldwell County County?
18 insurers filed 209 plan options for this county in the 2026 CMS file.