Health insurance cost in McLennan County, TX (2026)

44 Marketplace plans from 3 insurance companies are sold in McLennan County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$470/mo

full price, before any credit

Silver benchmark, age 40

$724/mo

the plan tax credits are based on

Plans

23 HMO · 12 EPO · 9 POS

Insurers

selling in this county

Deductibles

$0 to $8,000

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (10 plans)	$368–$502	$418–$570	$470–$642	$657–$897	$999–$1,364
Silver (16 plans)	$564–$801	$640–$910	$721–$1,024	$1,007–$1,431	$1,530–$2,175
Gold (17 plans)	$496–$685	$563–$778	$634–$876	$886–$1,224	$1,347–$1,860

Lowest to highest monthly premium among the plans sold in McLennan County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Texas, after the advisors' usual adjustment.

What a tax credit does in McLennan County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$437/mo	$470 → $33
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,669/mo	$1,492 → $0

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for McLennan County

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

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Cheapest Marketplace plans in McLennan County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

MyBlue Health Bronze℠ StandardBlue Cross and Blue Shield of Texas · HMO$470/mo at 40 · deductible $7,500 · max out-of-pocket $10,000

BSW Savers Bronze HMO H S A 006Baylor Scott and White Health Plan · HMO$475/mo at 40 · deductible $8,000 · max out-of-pocket $8,000

BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 PediatrBaylor Scott and White Health Plan · HMO$483/mo at 40 · deductible $7,500 · max out-of-pocket $10,000

Cheapest Silver plans

Standard SilverAmbetter from Superior HealthPlan · EPO$721/mo at 40 · deductible $6,000 · max out-of-pocket $8,900

Focused SilverAmbetter from Superior HealthPlan · EPO$724/mo at 40 · deductible $6,300 · max out-of-pocket $8,400

Enhanced Diabetes Care Silver with $0 Drug OptionsAmbetter from Superior HealthPlan · EPO$731/mo at 40 · deductible $5,000 · max out-of-pocket $8,650

Cheapest Gold plans

BSW Elite Gold HMO 004Baylor Scott and White Health Plan · HMO$634/mo at 40 · deductible $1,550 · max out-of-pocket $8,100

BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP coBaylor Scott and White Health Plan · HMO$634/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

MyBlue Health Gold℠ 403Blue Cross and Blue Shield of Texas · HMO$643/mo at 40 · deductible $500 · max out-of-pocket $8,500

Private plans in Texas

Age	Man, monthly range	Woman, monthly range
30	$50–$324	$124–$423
40	$112–$449	$149–$501
50	$230–$514	$221–$511
60	$376–$700	$323–$647

A family of four (parents 40 and 38 with two children) is typically quoted $469 to $944 a month in Texas. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Questions people ask

What is the cheapest health insurance in McLennan County?

For a 40-year-old paying full price, the cheapest Marketplace plan in McLennan County is a Bronze plan at $470 a month (Blue Cross and Blue Shield of Texas). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $112 a month.

How many health insurance companies sell Marketplace plans in McLennan County?

3 in 2026: Ambetter from Superior HealthPlan, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas. Between them they offer 44 plans (23 HMO · 12 EPO · 9 POS).

Do I qualify for a tax credit in McLennan County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Texas did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in Texas

All Texas counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.