Texas · Rating Area 10 · Plan year 2026
Health insurance cost in Galveston County
Insurers filed 61 individual marketplace plans that are actually sold in Galveston County — from 5 companies. For a 40-year-old non-smoker, prices start at $465.85 a month, with a typical (median) plan at $725.69 — about $59 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Galveston County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $364.53 | $567.84 |
| 30 | $413.73 | $644.49 |
| 40 | $465.85 | $725.69 |
| 50 | $651.03 | $1014.15 |
| 60 | $989.30 | $1541.10 |
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 | $572.84 | $572.84 |
| Bronze | 2 | $488.69 | $595.72 |
| Expanded Bronze | 16 | $465.85 | $503.16 |
| Silver | 21 | $681.44 | $790.07 |
| Gold | 21 | $636.97 | $722.35 |
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 |
|---|---|---|---|
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze · EPO | $465.85 |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze · HMO | $475.67 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze · EPO | $481.77 |
| Oscar Insurance Company | Bronze Classic 4700 | Expanded Bronze · EPO | $487.57 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze · HMO | $488.69 |
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 (16 plans) · UnitedHealthcare (15 plans) · Ambetter from Superior HealthPlan (12 plans) · Oscar Insurance Company (12 plans) · Community Health Choice (6 plans)
No insurer covers all of Texas, so this line-up is specific to Galveston 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 · Lubbock County · Webb County · Jefferson County · McLennan County · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.