Health insurance plans in Collin County, Texas (2027)

• 7carriers selling 2027 marketplace plans in Collin County
• 111plans on the Collin shelf, from 32 bronze to 36 gold
• $761benchmark silver for a 40 year old in Collin, full price per month

Who sells marketplace plans in Collin County

Seven companies sell in Collin, against nine in the busiest Texas county I track and three in the thinnest. No single company dominates Collin County, where the largest lineup is 24 plans (Ambetter from Superior HealthPlan) and the smallest is 4 (Harbor Health).

Collin plan counts from the CMS 2027 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.

What changed in Collin County for 2027

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.

Benchmark silver is the second lowest of the 38 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, $676 a month, is $70 cheaper than the cheapest silver plan at $747. 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 $2,750.

In Collin County the benchmark is $256 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 $761 benchmark minus what the government expects you to pay from your income. A 40 year old in Collin whose expected share is $256 a month or less would pay nothing for the cheapest bronze. At 60 the Collin gap grows to $543 and at 21 it shrinks to $200, 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, but the menus differ enough that the cheapest bronze and the benchmark do not line up. What differs is the menu, 111 plans in Collin against 137 in Dallas. Molina Healthcare sells in Dallas but not in Collin. Oscar offers 14 plans in Collin and 28 in Dallas, a sign its networks do not cover both counties the same way.

Collin plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Collin County. The 111 plans split into 62 HMO, 31 EPO and 18 POS. Outside emergencies, the 31 EPO and 62 HMO plans in Collin generally pay nothing out of network, so the network list matters more than the premium. 9 plans in Collin have a $0 medical deductible (6 gold and 3 expanded bronze). The 3 bronze ones among them still have out of pocket maximums of $10,600 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Collin County

These are the 2027 plans and prices for Collin County, from the CMS plan file released at the end of October 2026. 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. If you already have a Collin plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Collin County coverage

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