Texas · Rating Area 3 · Plan year 2026
Health insurance cost in Hays County
Insurers filed 102 individual marketplace plans that are actually sold in Hays County — from 9 companies. For a 40-year-old non-smoker, prices start at $321.51 a month, with a typical (median) plan at $656.98 — about $9 below the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Hays County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $251.57 | $514.08 |
| 30 | $285.54 | $583.46 |
| 40 | $321.51 | $656.98 |
| 50 | $449.31 | $918.13 |
| 60 | $682.77 | $1395.18 |
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 | $321.51 | $475.56 |
| Bronze | 3 | $450.19 | $466.37 |
| Expanded Bronze | 24 | $387.22 | $541.95 |
| Silver | 37 | $607.90 | $748.25 |
| Gold | 36 | $509.00 | $663.32 |
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 |
|---|---|---|---|
| CHRISTUS Health Plan | CHRISTUS Catastrophic (3 Free PCP visits) | Catastrophic · HMO | $321.51 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze · HMO | $387.22 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtua | Expanded Bronze · HMO | $392.34 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, | Expanded Bronze · HMO | $392.45 |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Gen | Expanded Bronze · HMO | $403.01 |
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 (16 plans) · UnitedHealthcare (14 plans) · CHRISTUS Health Plan (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Sendero Health Plans, Local Nonprofit (7 plans) · Imperial Insurance Companies, Inc. (7 plans) · Moda Health Plan, Inc. (5 plans) · Harbor Health (4 plans)
No insurer covers all of Texas, so this line-up is specific to Hays 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 · Ellis County — or the statewide view.