Texas · Rating Area 15 · Plan year 2026

Health insurance cost in Hidalgo County

Insurers filed 78 individual marketplace plans that are actually sold in Hidalgo County — from 5 companies. For a 40-year-old non-smoker, prices start at $380.33 a month, with a typical (median) plan at $629.86 — about $36 below the Texas median.

Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology

Prices shown are before any premium tax credit. Many Texans qualify for a credit that lowers the monthly bill — but the enhanced pandemic-era subsidies ended on December 31, 2025, so most people pay more in 2026 than in prior years. Check your exact after-subsidy price at HealthCare.gov.

Premiums by age in Hidalgo County

Age	Lowest / month	Median / month
21	$297.60	$492.86
30	$337.78	$559.38
40	$380.33	$629.86
50	$531.51	$880.22
60	$807.69	$1337.58

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	$435.58	$437.16
Bronze	2	$450.05	$489.78
Expanded Bronze	21	$380.33	$476.64
Silver	27	$578.51	$753.02
Gold	26	$500.58	$629.86

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℠ 402	Expanded Bronze · HMO	$380.33
WellPoint	Wellpoint Essential Catastrophic (+ Incentives)	Catastrophic · HMO	$435.58
Blue Cross and Blue Shield of Texas	Blue Advantage Security HMO℠ 200	Catastrophic · HMO	$438.75
Blue Cross and Blue Shield of Texas	Blue Advantage Bronze HMO℠ Standard	Expanded Bronze · HMO	$445.38
Blue Cross and Blue Shield of Texas	Blue Advantage Bronze HMO℠ 204	Expanded Bronze · HMO	$445.88

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

WellPoint (21 plans) · Blue Cross and Blue Shield of Texas (19 plans) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Oscar Insurance Company (12 plans)

No insurer covers all of Texas, so this line-up is specific to Hidalgo County. Compare nearby markets: Harris County · Dallas County · Tarrant County · Bexar County · Travis County · Collin County · Denton 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.