Texas · Rating Area 14 · Plan year 2026
Health insurance cost in Lubbock County
Insurers filed 74 individual marketplace plans that are actually sold in Lubbock County — from 5 companies. For a 40-year-old non-smoker, prices start at $487.05 a month, with a typical (median) plan at $732.62 — about $66 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Lubbock County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $381.10 | $573.26 |
| 30 | $432.55 | $650.64 |
| 40 | $487.05 | $732.62 |
| 50 | $680.65 | $1023.84 |
| 60 | $1034.32 | $1555.81 |
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 | $487.34 | $506.65 |
| Bronze | 3 | $519.66 | $524.64 |
| Expanded Bronze | 21 | $487.05 | $545.94 |
| Silver | 24 | $779.08 | $852.11 |
| Gold | 24 | $650.35 | $734.06 |
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 |
|---|---|---|---|
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze · HMO | $487.05 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic · HMO | $487.34 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediat | Expanded Bronze · HMO | $494.85 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze · HMO | $500.63 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + In | Expanded Bronze · HMO | $512.93 |
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) · Cigna Healthcare (11 plans) · Baylor Scott and White Health Plan (9 plans)
No insurer covers all of Texas, so this line-up is specific to Lubbock 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 · Webb County · Jefferson County · McLennan County · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.