Texas · Rating Area 25 · Plan year 2026
Health insurance cost in Denton County
Insurers filed 117 individual marketplace plans that are actually sold in Denton County — from 8 companies. For a 40-year-old non-smoker, prices start at $437.08 a month, with a typical (median) plan at $717.79 — about $52 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Denton County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $342.00 | $561.66 |
| 30 | $388.17 | $637.47 |
| 40 | $437.08 | $717.79 |
| 50 | $610.81 | $1003.11 |
| 60 | $928.19 | $1524.32 |
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 | 2 | $437.08 | $518.92 |
| Bronze | 3 | $450.35 | $528.35 |
| Expanded Bronze | 23 | $460.03 | $540.98 |
| Silver | 46 | $688.47 | $796.65 |
| Gold | 43 | $624.81 | $698.77 |
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 |
|---|---|---|---|
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic · HMO | $437.08 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze · HMO | $450.35 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + In | Expanded Bronze · HMO | $460.03 |
| WellPoint | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select D | Expanded Bronze · HMO | $466.29 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 | Expanded Bronze · HMO | $467.68 |
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
Oscar Insurance Company (23 plans) · Blue Cross and Blue Shield of Texas (22 plans) · WellPoint (21 plans) · Ambetter from Superior HealthPlan (18 plans) · UnitedHealthcare (14 plans) · Molina Healthcare (12 plans) · Imperial Insurance Companies, Inc. (7 plans)
No insurer covers all of Texas, so this line-up is specific to Denton County. Compare nearby markets: Harris County · Dallas County · Tarrant County · Bexar County · Travis County · Collin 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 · Brazos County · Hays County · Ellis County — or the statewide view.