Texas · Rating Area 21 · Plan year 2026
Health insurance cost in Smith County
Insurers filed 61 individual marketplace plans that are actually sold in Smith County — from 4 companies. For a 40-year-old non-smoker, prices start at $354.44 a month, with a typical (median) plan at $672.12 — about $6 above the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Smith County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $277.34 | $525.92 |
| 30 | $314.78 | $596.92 |
| 40 | $354.44 | $672.12 |
| 50 | $495.33 | $939.29 |
| 60 | $752.70 | $1427.34 |
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 | $354.44 | $438.94 |
| Bronze | 3 | $496.48 | $517.16 |
| Expanded Bronze | 12 | $426.88 | $525.05 |
| Silver | 22 | $652.85 | $739.88 |
| Gold | 22 | $561.13 | $659.38 |
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 | $354.44 |
| CHRISTUS Health Plan | CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | Expanded Bronze · HMO | $426.88 |
| CHRISTUS Health Plan | CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtua | Expanded Bronze · HMO | $432.52 |
| CHRISTUS Health Plan | CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, | Expanded Bronze · HMO | $432.64 |
| CHRISTUS Health Plan | CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Gen | Expanded Bronze · HMO | $444.29 |
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 (19 plans) · CHRISTUS Health Plan (16 plans) · UnitedHealthcare (14 plans) · Ambetter from Superior HealthPlan (12 plans)
No insurer covers all of Texas, so this line-up is specific to Smith 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 · McLennan County · Brazos County · Hays County · Ellis County — or the statewide view.