Texas · Rating Area 4 · Plan year 2026
Health insurance cost in Jefferson County
Insurers filed 91 individual marketplace plans that are actually sold in Jefferson County — from 6 companies. For a 40-year-old non-smoker, prices start at $339.46 a month, with a typical (median) plan at $613.43 — about $53 below the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Jefferson County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $265.62 | $479.99 |
| 30 | $301.48 | $544.79 |
| 40 | $339.46 | $613.43 |
| 50 | $474.39 | $857.26 |
| 60 | $720.89 | $1302.69 |
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 | 3 | $339.46 | $426.57 |
| Bronze | 2 | $459.01 | $499.04 |
| Expanded Bronze | 23 | $384.72 | $455.07 |
| Silver | 32 | $625.26 | $711.50 |
| Gold | 31 | $537.41 | $611.59 |
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 | $339.46 |
| CHRISTUS Health Plan | CHRISTUS Value Bronze (3 Free PCP Visits, $0 Virtual Urgent Care) | Expanded Bronze · HMO | $384.72 |
| CHRISTUS Health Plan | CHRISTUS Value Bronze + Dental & Vision (3 Free PCP Visits, $0 Virtual | Expanded Bronze · HMO | $396.81 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze · HMO | $408.84 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, | Expanded Bronze · HMO | $414.36 |
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 (22 plans) · WellPoint (21 plans) · CHRISTUS Health Plan (16 plans) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans) · Community Health Choice (6 plans)
No insurer covers all of Texas, so this line-up is specific to Jefferson 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 · McLennan County · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.