- 8carriers selling 2027 marketplace plans in El Paso County
- 145plans on the El Paso shelf, from 41 bronze to 49 gold
- $760benchmark silver for a 40 year old in El Paso, full price per month
Who sells marketplace plans in El Paso County
Eight companies sell in El Paso, against nine in the busiest Texas county I track and three in the thinnest. No single company dominates El Paso County, where the largest lineup is 28 plans (Oscar) and the smallest is 4 (Harbor Health).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| OscarOscar Insurance Company | 28 | 7 | 11 | 10 | EPO 14, HMO 14 |
| Antidote Health of TX New for 2027 | 27 | 9 | 9 | 9 | EPO 27 |
| Blue Cross and Blue Shield of Texas | 23 | 6 | 7 | 7 | HMO 14, POS 9 |
| Wellpoint | 23 | 8 | 7 | 7 | HMO 14, POS 9 |
| Ambetter from Superior HealthPlan | 17 | 4 | 7 | 6 | EPO 17 |
| UnitedHealthcare | 15 | 5 | 5 | 5 | HMO 15 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 8 | 2 | 2 | 3 | HMO 8 |
| Harbor Health New for 2027 | 4 | 0 | 2 | 2 | HMO 4 |
El Paso plan counts from the CMS 2027 landscape file (county FIPS 48141, Rating Area 9). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in El Paso County for 2027
Cigna sold 11 of the 110 plans in El Paso County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with Cigna, you should have a notice by now. 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. New in El Paso for 2027: Antidote Health of TX and Harbor Health. El Paso now has eight carriers and 145 plans, against seven carriers and 110 plans in 2026.
What it costs in El Paso County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest El Paso 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 El Paso 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 | $359 | $459 | $975 | $918 | $1,467 |
| Lowest silver | $549 | $701 | $1,490 | $1,403 | $2,243 |
| Benchmark silver (second lowest) | $594 | $760 | $1,613 | $1,519 | $2,428 |
| Lowest gold | $484 | $619 | $1,314 | $1,238 | $1,978 |
Benchmark silver is the second lowest of the 50 silver premiums listed for El Paso. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in El Paso County
The gold row is the surprise in El Paso County. The cheapest gold plan for a 40 year old, $619 a month, is $83 cheaper than the cheapest silver plan at $701. 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 El Paso shelf, and a gold deductible here tops out at $4,000.
In El Paso County the benchmark is $301 above the cheapest bronze at age 40, and only seven 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 $760 benchmark minus what the government expects you to pay from your income. A 40 year old in El Paso whose expected share is $301 a month or less would pay nothing for the cheapest bronze. At 60 the El Paso gap grows to $638 and at 21 it shrinks to $235, which is why older enrollees are the ones most likely to find a $0 plan.
No other county on my list is close enough to El Paso County to compare, so here is where it sits among the 15 Texas counties I track. Its benchmark is the 9th lowest of the 15 and its cheapest bronze is the 5th lowest. El Paso has eight carriers, where the busiest county has nine.
El Paso plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 5 | 0 | |
| Bronze | 8 | 0 | $8,700 to $11,750 |
| Expanded Bronze | 33 | 5 | $0 to $11,750 |
| Silver | 50 | 0 | $1,850 to $9,000 |
| Gold | 49 | 7 | $0 to $4,000 |
| Total | 145 | 12 |
There is not a single PPO on the 2027 marketplace in El Paso County. The 145 plans split into 69 HMO, 58 EPO and 18 POS. Outside emergencies, the 58 EPO and 69 HMO plans in El Paso generally pay nothing out of network, so the network list matters more than the premium. 12 plans in El Paso have a $0 medical deductible (7 gold and 5 expanded bronze). The 5 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.
Every El Paso price on this page is before subsidies, and most enrollees pay less. For a 40 year old in El Paso the premium tax credit is measured against the $760 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the El Paso numbers for you.
2027 plans for El Paso County
These are the 2027 plans and prices for El Paso 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 El Paso plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about El Paso County coverage
How many health insurance companies sell marketplace plans in El Paso County, Texas?
For 2027, eight carriers sell individual marketplace plans in El Paso County: Oscar, Antidote Health of TX, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Imperial Insurance Companies and Harbor Health. Together they offer 145 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in El Paso County?
At full price before any subsidy, the cheapest bronze plan in El Paso County is $359 a month for a 21 year old, $459 at 40 and $975 at 60. In El Paso a couple both aged 40 pays $918 for the cheapest bronze, and two 40 year olds with two children pay $1,467. Catastrophic plans in El Paso, open only to people under 30 or with a hardship exemption, start at $363 at age 21. Most people in El Paso who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in El Paso County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $760 a month for a 40 year old in El Paso County before subsidies. In El Paso it is $594 at age 21 and $1,613 at age 60, and the lowest silver plan is $701 at 40.
Which insurance companies left El Paso County for 2027?
Cigna sold 11 plans in El Paso County in 2026 and has no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare and Imperial Insurance Companies. New for 2027: Antidote Health of TX and Harbor Health.
Can I get a PPO plan in El Paso County?
Not on the 2027 marketplace. All 145 plans in El Paso County are HMO, EPO or POS plans. 12 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in El Paso is $619 a month before subsidies.
More for El Paso County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How El Paso compares with the other 78 counties and parishes I track
- Estimate an El Paso subsidy
Get your El Paso County quote
Send me your ZIP and who needs coverage and I will compare every El Paso 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 2027 (public use file), El Paso County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines