- 7carriers selling 2026 marketplace plans in El Paso County
- 110plans on the El Paso shelf, from 30 bronze to 38 gold
- $594benchmark silver for a 40 year old in El Paso, full price per month
Who sells marketplace plans in El Paso County
Seven companies sell in El Paso, against nine in the busiest Texas county I track and four in the thinnest. No single company dominates El Paso 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 |
| UnitedHealthcare | 14 | 4 | 5 | 5 | HMO 14 |
| Ambetter from Superior HealthPlan | 12 | 0 | 6 | 6 | EPO 12 |
| CignaCigna Healthcare Leaving for 2027 | 11 | 4 | 3 | 4 | HMO 11 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 7 | 2 | 2 | 3 | HMO 7 |
El Paso plan counts from the CMS 2026 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.
Leaving El Paso County for 2027
Cigna sells 11 of the 110 plans in El Paso County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. After that exit, six carriers are left from the 2026 El Paso lineup: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Ambetter from Superior HealthPlan and Imperial Insurance Companies. If you are enrolled with Cigna in El Paso, 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 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 | $294 | $376 | $798 | $751 | $1,201 |
| Lowest silver | $464 | $593 | $1,258 | $1,185 | $1,895 |
| Benchmark silver (second lowest) | $464 | $594 | $1,260 | $1,187 | $1,898 |
| Lowest gold | $402 | $514 | $1,091 | $1,027 | $1,642 |
Benchmark silver is the second lowest of the 40 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, $514 a month, is $79 cheaper than the cheapest silver plan at $593. 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 $3,300.
In El Paso County the benchmark is $218 above the cheapest bronze at age 40, and 20 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 $594 benchmark minus what the government expects you to pay from your income. A 40 year old in El Paso whose expected share is $218 a month or less would pay nothing for the cheapest bronze. At 60 the El Paso gap grows to $463 and at 21 it shrinks to $170, 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 second lowest of the 15 and its cheapest bronze is the third lowest. El Paso has seven carriers, where the busiest county has nine.
El Paso 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 | 27 | 2 | $0 to $9,000 |
| Silver | 40 | 1 | $0 to $7,500 |
| Gold | 38 | 3 | $0 to $3,300 |
| Total | 110 | 6 |
There is not a single PPO on the 2026 marketplace in El Paso County. The 110 plans split into 68 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 68 HMO plans in El Paso generally pay nothing out of network, so the network list matters more than the premium. 6 plans in El Paso 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 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 $594 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 2026 plans and prices for El Paso County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new El Paso 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 El Paso County coverage
How many health insurance companies sell marketplace plans in El Paso County, Texas?
For 2026, seven carriers sell individual marketplace plans in El Paso County: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Ambetter from Superior HealthPlan, Cigna and Imperial Insurance Companies. Together they offer 110 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 $294 a month for a 21 year old, $376 at 40 and $798 at 60. In El Paso a couple both aged 40 pays $751 for the cheapest bronze, and two 40 year olds with two children pay $1,201. Catastrophic plans in El Paso, open only to people under 30 or with a hardship exemption, start at $339 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $594 a month for a 40 year old in El Paso County before subsidies. In El Paso it is $464 at age 21 and $1,260 at age 60, and the lowest silver plan is $593 at 40.
Which insurance companies are leaving El Paso County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. In 2026 it sells 11 plans in El Paso County. Six carriers from the 2026 El Paso lineup remain: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Ambetter from Superior HealthPlan and Imperial Insurance Companies. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in El Paso County?
Not on the 2026 marketplace. All 110 plans in El Paso 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 El Paso is $514 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 2026 (public use file), El Paso County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- healthinsurance.org, ACA open enrollment deadlines