- 9carriers selling 2026 marketplace plans in Collin County
- 127plans on the Collin shelf, from 33 bronze to 47 gold
- $671benchmark silver for a 40 year old in Collin, full price per month
Who sells marketplace plans in Collin County
No Texas county on my list has more carriers than Collin County, with nine (tied with Dallas County, Travis County and Williamson County). No single company dominates Collin County, where the largest lineup is 22 plans (Blue Cross and Blue Shield of Texas) and the smallest is 7 (Imperial Insurance Companies).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Texas | 22 | 7 | 7 | 7 | HMO 13, POS 9 |
| Wellpoint | 21 | 7 | 7 | 6 | HMO 12, POS 9 |
| Ambetter from Superior HealthPlan | 18 | 0 | 10 | 8 | EPO 12, HMO 6 |
| UnitedHealthcare | 14 | 4 | 5 | 5 | HMO 14 |
| Molina Healthcare | 12 | 0 | 5 | 7 | HMO 12 |
| OscarOscar Insurance Company | 12 | 6 | 3 | 3 | EPO 12 |
| CignaCigna Healthcare Leaving for 2027 | 11 | 4 | 3 | 4 | HMO 11 |
| Baylor Scott and White Health Plan Leaving for 2027 | 10 | 3 | 3 | 4 | HMO 10 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 7 | 2 | 2 | 3 | HMO 7 |
Collin plan counts from the CMS 2026 landscape file (county FIPS 48085, Rating Area 8). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Collin County for 2027
Cigna and Baylor Scott and White sell 21 of the 127 plans in Collin County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. After both exits, seven carriers are left from the 2026 Collin lineup: Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare, Oscar and Imperial Insurance Companies. If you are enrolled with either company in Collin, you will get a notice this fall. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions.
What it costs in Collin County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Collin plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Collin pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $339 | $433 | $920 | $866 | $1,385 |
| Lowest silver | $522 | $667 | $1,417 | $1,335 | $2,134 |
| Benchmark silver (second lowest) | $525 | $671 | $1,425 | $1,342 | $2,145 |
| Lowest gold | $460 | $588 | $1,249 | $1,177 | $1,881 |
Benchmark silver is the second lowest of the 45 silver premiums listed for Collin. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Collin County
The gold row is the surprise in Collin County. The cheapest gold plan for a 40 year old, $588 a month, is $79 cheaper than the cheapest silver plan at $667. That happens because Texas carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Collin shelf, and a gold deductible here tops out at $2,800.
In Collin County the benchmark is $238 above the cheapest bronze at age 40, and only 14 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $671 benchmark minus what the government expects you to pay from your income. A 40 year old in Collin whose expected share is $238 a month or less would pay nothing for the cheapest bronze. At 60 the Collin gap grows to $505 and at 21 it shrinks to $186, which is why older enrollees are the ones most likely to find a $0 plan.
Collin County and Dallas County share Rating Area 8, so the same plan costs the same in both, and the Collin cheapest bronze and benchmark match Dallas exactly. What differs is the menu, 127 plans in Collin against 138 in Dallas. Oscar offers 12 plans in Collin and 23 in Dallas, a sign its networks do not cover both counties the same way.
Collin plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 3 | 0 | $7,300 to $10,600 |
| Expanded Bronze | 30 | 2 | $0 to $9,000 |
| Silver | 45 | 1 | $0 to $7,500 |
| Gold | 47 | 3 | $0 to $2,800 |
| Total | 127 | 6 |
There is not a single PPO on the 2026 marketplace in Collin County. The 127 plans split into 85 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 85 HMO plans in Collin generally pay nothing out of network, so the network list matters more than the premium. 6 plans in Collin have a $0 medical deductible (3 gold, 2 expanded bronze and 1 silver). The 2 bronze ones among them still have out of pocket maximums of $10,150 to $10,600, so a $0 deductible does not mean a small bill.
Every Collin price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Collin the premium tax credit is measured against the $671 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Collin numbers for you.
2027 plans for Collin County
These are the 2026 plans and prices for Collin County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Collin numbers then. Open enrollment for 2027 coverage in Texas runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Collin County coverage
How many health insurance companies sell marketplace plans in Collin County, Texas?
For 2026, nine carriers sell individual marketplace plans in Collin County: Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare, Oscar, Cigna, Baylor Scott and White Health Plan and Imperial Insurance Companies. Together they offer 127 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Collin County?
At full price before any subsidy, the cheapest bronze plan in Collin County is $339 a month for a 21 year old, $433 at 40 and $920 at 60. In Collin a couple both aged 40 pays $866 for the cheapest bronze, and two 40 year olds with two children pay $1,385. Catastrophic plans in Collin, open only to people under 30 or with a hardship exemption, start at $322 at age 21. Most people in Collin who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Collin County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $671 a month for a 40 year old in Collin County before subsidies. In Collin it is $525 at age 21 and $1,425 at age 60, and the lowest silver plan is $667 at 40.
Which insurance companies are leaving Collin County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. In 2026 they sell 21 plans in Collin County. Seven carriers from the 2026 Collin lineup remain: Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare, Oscar and Imperial Insurance Companies. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Collin County?
Not on the 2026 marketplace. All 127 plans in Collin County are HMO, EPO or POS plans. 6 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Collin is $588 a month before subsidies.
More for Collin County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Collin compares with the other 78 counties and parishes I track
- Estimate a Collin subsidy
Get your Collin County quote
Send me your ZIP and who needs coverage and I will compare every Collin plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Collin County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- KFF, Tracking insurer participation changes in the ACA marketplaces in 2027
- healthinsurance.org, ACA open enrollment deadlines