Texas · Rating Area 6 · Plan year 2026
Health insurance cost in Brazos County
Insurers filed 55 individual marketplace plans that are actually sold in Brazos County — from 4 companies. For a 40-year-old non-smoker, prices start at $447.48 a month, with a typical (median) plan at $688.28 — about $22 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Brazos County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $350.14 | $538.56 |
| 30 | $397.41 | $611.27 |
| 40 | $447.48 | $688.28 |
| 50 | $625.36 | $961.88 |
| 60 | $950.29 | $1461.66 |
One non-smoking adult, all metal levels combined. Federal rules cap the 64-year-old price at three times the 21-year-old price — see the full Texas age curve.
By metal level (age 40)
| Metal level | Plans | Lowest | Median |
|---|---|---|---|
| Catastrophic | 1 | $509.44 | $509.44 |
| Bronze | 3 | $447.48 | $503.33 |
| Expanded Bronze | 10 | $467.56 | $506.03 |
| Silver | 20 | $688.28 | $735.28 |
| Gold | 21 | $593.92 | $665.46 |
Higher metal = higher premium but lower costs when you use care. If your income qualifies for cost-sharing reductions, they apply only on Silver plans — a Silver plan can then beat Bronze on total cost.
Cheapest plans at age 40
| Insurer | Plan | Metal | Monthly |
|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze · HMO | $447.48 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze · HMO | $467.56 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze · HMO | $483.54 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze · HMO | $494.79 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze · HMO | $495.16 |
Lowest premium is not always lowest total cost — check deductibles and networks before choosing. Catastrophic plans have enrollment restrictions above age 30.
Who sells here
Blue Cross and Blue Shield of Texas (19 plans) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Baylor Scott and White Health Plan (10 plans)
No insurer covers all of Texas, so this line-up is specific to Brazos County. Compare nearby markets: Harris County · Dallas County · Tarrant County · Bexar County · Travis County · Collin County · Denton County · Hidalgo County · El Paso County · Fort Bend County · Montgomery County · Williamson County · Cameron County · Nueces County · Brazoria County · Bell County · Galveston County · Lubbock County · Webb County · Jefferson County · McLennan County · Smith County · Hays County · Ellis County — or the statewide view.