- 7carriers selling 2026 marketplace plans in Denton County
- 117plans on the Denton shelf, from 26 bronze to 43 gold
- $692benchmark silver for a 40 year old in Denton, full price per month
Who sells marketplace plans in Denton County
Seven companies sell in Denton, against nine in the busiest Texas county I track and four in the thinnest. No single company dominates Denton County, where the largest lineup is 23 plans (Oscar) and the smallest is 7 (Imperial Insurance Companies).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| OscarOscar Insurance Company | 23 | 6 | 10 | 7 | EPO 12, HMO 11 |
| 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 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 7 | 2 | 2 | 3 | HMO 7 |
Denton plan counts from the CMS 2026 landscape file (county FIPS 48121, Rating Area 25). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What it costs in Denton County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Denton 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 Denton 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 | $352 | $450 | $956 | $901 | $1,440 |
| Lowest silver | $539 | $688 | $1,462 | $1,377 | $2,201 |
| Benchmark silver (second lowest) | $541 | $692 | $1,469 | $1,384 | $2,212 |
| Lowest gold | $489 | $625 | $1,327 | $1,250 | $1,998 |
Benchmark silver is the second lowest of the 46 silver premiums listed for Denton. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Denton County
The gold row is the surprise in Denton County. The cheapest gold plan for a 40 year old, $625 a month, is $64 cheaper than the cheapest silver plan at $688. 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 Denton shelf, and a gold deductible here tops out at $3,300.
In Denton County the benchmark is $242 above the cheapest bronze at age 40, and only twelve 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 $692 benchmark minus what the government expects you to pay from your income. A 40 year old in Denton whose expected share is $242 a month or less would pay nothing for the cheapest bronze. At 60 the Denton gap grows to $513 and at 21 it shrinks to $189, which is why older enrollees are the ones most likely to find a $0 plan.
Denton County and Tarrant County share Rating Area 25, so the same plan costs the same in both, and the Denton cheapest bronze and benchmark match Tarrant exactly. What differs is the menu, 117 plans in Denton against 128 in Tarrant. Cigna sells in Tarrant but not in Denton.
Denton 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 | 23 | 2 | $0 to $9,000 |
| Silver | 46 | 1 | $0 to $7,500 |
| Gold | 43 | 3 | $0 to $3,300 |
| Total | 117 | 6 |
There is not a single PPO on the 2026 marketplace in Denton County. The 117 plans split into 75 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 75 HMO plans in Denton generally pay nothing out of network, so the network list matters more than the premium. 6 plans in Denton 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 Denton price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Denton the premium tax credit is measured against the $692 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Denton numbers for you.
2027 plans for Denton County
These are the 2026 plans and prices for Denton County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Denton 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 Denton County coverage
How many health insurance companies sell marketplace plans in Denton County, Texas?
For 2026, seven carriers sell individual marketplace plans in Denton County: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Molina Healthcare and Imperial Insurance Companies. Together they offer 117 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Denton County?
At full price before any subsidy, the cheapest bronze plan in Denton County is $352 a month for a 21 year old, $450 at 40 and $956 at 60. In Denton a couple both aged 40 pays $901 for the cheapest bronze, and two 40 year olds with two children pay $1,440. Catastrophic plans in Denton, open only to people under 30 or with a hardship exemption, start at $342 at age 21. Most people in Denton who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Denton County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $692 a month for a 40 year old in Denton County before subsidies. In Denton it is $541 at age 21 and $1,469 at age 60, and the lowest silver plan is $688 at 40.
Is any insurance company leaving Denton County for 2027?
None of the seven carriers selling in Denton County in 2026 is one of the confirmed 2027 exits I flag for Texas, which are Cigna and Baylor Scott and White. Smaller changes can still happen, so read your renewal notice. The 2027 carrier lineup and prices for Denton are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Denton County?
Not on the 2026 marketplace. All 117 plans in Denton 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 Denton is $625 a month before subsidies.
More for Denton County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Denton compares with the other 78 counties and parishes I track
- Estimate a Denton subsidy
Get your Denton County quote
Send me your ZIP and who needs coverage and I will compare every Denton 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), Denton County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines