Texas · Rating Area 23 · Plan year 2026
Health insurance cost in McLennan County
Insurers filed 44 individual marketplace plans that are actually sold in McLennan County — from 3 companies. For a 40-year-old non-smoker, prices start at $470.47 a month, with a typical (median) plan at $692.78 — about $27 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in McLennan County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $368.13 | $542.10 |
| 30 | $417.83 | $615.26 |
| 40 | $470.47 | $692.78 |
| 50 | $657.48 | $968.16 |
| 60 | $999.10 | $1471.21 |
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 | $530.49 | $530.49 |
| Bronze | 1 | $594.58 | $594.58 |
| Expanded Bronze | 9 | $470.47 | $488.59 |
| Silver | 16 | $720.67 | $759.23 |
| Gold | 17 | $634.26 | $673.90 |
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℠ Standard | Expanded Bronze · HMO | $470.47 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 006 | Expanded Bronze · HMO | $475.00 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediat | Expanded Bronze · HMO | $482.60 |
| Baylor Scott and White Health Plan | BSW Savers Bronze HMO H S A 009 | Expanded Bronze · HMO | $488.24 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze · HMO | $488.59 |
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) · Ambetter from Superior HealthPlan (12 plans) · Baylor Scott and White Health Plan (10 plans)
No insurer covers all of Texas, so this line-up is specific to McLennan 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 · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.