Texas · Rating Area 27 · Plan year 2026
Health insurance cost in Montgomery County
Insurers filed 112 individual marketplace plans that are actually sold in Montgomery County — from 8 companies. For a 40-year-old non-smoker, prices start at $431.99 a month, with a typical (median) plan at $666.82 — right at the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Montgomery County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $338.02 | $521.77 |
| 30 | $383.65 | $592.20 |
| 40 | $431.99 | $666.82 |
| 50 | $603.70 | $931.87 |
| 60 | $917.39 | $1416.07 |
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 | $431.99 | $474.76 |
| Bronze | 3 | $462.81 | $468.24 |
| Expanded Bronze | 26 | $442.79 | $491.80 |
| Silver | 43 | $652.92 | $739.91 |
| Gold | 38 | $605.24 | $654.66 |
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 |
|---|---|---|---|
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic · HMO | $431.99 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze · HMO | $442.79 |
| WellPoint | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + In | Expanded Bronze · HMO | $454.69 |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze · HMO | $455.77 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze · HMO | $459.85 |
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 (22 plans) · WellPoint (21 plans) · Ambetter from Superior HealthPlan (18 plans) · UnitedHealthcare (15 plans) · Imperial Insurance Companies, Inc. (7 plans) · Community Health Choice (6 plans)
No insurer covers all of Texas, so this line-up is specific to Montgomery 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 · 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.