Texas · Rating Area 8 · Plan year 2026
Health insurance cost in Ellis County
Insurers filed 119 individual marketplace plans that are actually sold in Ellis County — from 8 companies. For a 40-year-old non-smoker, prices start at $411.53 a month, with a typical (median) plan at $699.58 — about $33 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Ellis County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $322.01 | $547.41 |
| 30 | $365.48 | $621.31 |
| 40 | $411.53 | $699.58 |
| 50 | $575.11 | $977.67 |
| 60 | $873.94 | $1485.66 |
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 | 2 | $411.53 | $506.47 |
| Bronze | 2 | $551.46 | $575.67 |
| Expanded Bronze | 27 | $433.14 | $500.13 |
| Silver | 44 | $688.04 | $753.17 |
| Gold | 44 | $588.29 | $656.50 |
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 | $411.53 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + In | Expanded Bronze · HMO | $433.14 |
| WellPoint | Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select D | Expanded Bronze · HMO | $439.02 |
| WellPoint | Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 | Expanded Bronze · HMO | $440.33 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze · HMO | $441.79 |
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) · WellPoint (21 plans) · Blue Cross and Blue Shield of Texas (16 plans) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Molina Healthcare (12 plans) · Cigna Healthcare (11 plans) · Baylor Scott and White Health Plan (10 plans)
No insurer covers all of Texas, so this line-up is specific to Ellis 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 · Brazos County · Hays County — or the statewide view.