Texas · Rating Area 9 · Plan year 2026
Health insurance cost in El Paso County
Insurers filed 110 individual marketplace plans that are actually sold in El Paso County — from 7 companies. For a 40-year-old non-smoker, prices start at $375.73 a month, with a typical (median) plan at $653.98 — about $12 below the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in El Paso County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $294.00 | $511.72 |
| 30 | $333.69 | $580.81 |
| 40 | $375.73 | $653.98 |
| 50 | $525.08 | $913.94 |
| 60 | $797.92 | $1388.82 |
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 | $432.90 | $452.59 |
| Bronze | 3 | $414.04 | $481.48 |
| Expanded Bronze | 27 | $375.73 | $485.21 |
| Silver | 40 | $592.60 | $755.54 |
| Gold | 38 | $513.56 | $653.98 |
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 |
|---|---|---|---|
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze · HMO | $375.73 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze · HMO | $390.20 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze · HMO | $414.04 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic · HMO | $432.90 |
| Imperial Insurance Companies, Inc. | Imperial Standard Bronze | Expanded Bronze · HMO | $442.83 |
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) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Cigna Healthcare (11 plans) · Imperial Insurance Companies, Inc. (7 plans)
No insurer covers all of Texas, so this line-up is specific to El Paso County. Compare nearby markets: Harris County · Dallas County · Tarrant County · Bexar County · Travis County · Collin County · Denton County · Hidalgo 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.