- 7carriers selling 2027 marketplace plans in Fort Bend County
- 137plans on the Fort Bend shelf, from 36 bronze to 46 gold
- $669benchmark silver for a 40 year old in Fort Bend, full price per month
Who sells marketplace plans in Fort Bend County
Seven companies sell in Fort Bend, against nine in the busiest Texas county I track and three in the thinnest. No single company dominates Fort Bend 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 |
| UnitedHealthcare | 27 | 9 | 9 | 9 | HMO 27 |
| Ambetter from Superior HealthPlan | 24 | 4 | 12 | 8 | EPO 17, HMO 7 |
| Blue Cross and Blue Shield of Texas | 23 | 6 | 7 | 7 | HMO 14, POS 9 |
| Wellpoint | 23 | 8 | 7 | 7 | HMO 14, POS 9 |
| Community Health Choice | 8 | 2 | 3 | 3 | HMO 8 |
| Harbor Health New for 2027 | 4 | 0 | 2 | 2 | HMO 4 |
Fort Bend plan counts from the CMS 2027 landscape file (county FIPS 48157, Rating Area 26). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Fort Bend County for 2027
New in Fort Bend for 2027: Harbor Health. Fort Bend now has seven carriers and 137 plans, against six carriers and 107 plans in 2026.
What it costs in Fort Bend County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Fort Bend 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 Fort Bend 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 | $372 | $476 | $1,010 | $952 | $1,521 |
| Lowest silver | $514 | $656 | $1,394 | $1,313 | $2,099 |
| Benchmark silver (second lowest) | $523 | $669 | $1,420 | $1,338 | $2,138 |
| Lowest gold | $470 | $600 | $1,274 | $1,200 | $1,918 |
Benchmark silver is the second lowest of the 51 silver premiums listed for Fort Bend. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Fort Bend County
The gold row is the surprise in Fort Bend County. The cheapest gold plan for a 40 year old, $600 a month, is $56 cheaper than the cheapest silver plan at $656. 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 Fort Bend shelf, and a gold deductible here tops out at $2,750.
In Fort Bend County the benchmark is $193 above the cheapest bronze at age 40, and 35 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 $669 benchmark minus what the government expects you to pay from your income. A 40 year old in Fort Bend whose expected share is $193 a month or less would pay nothing for the cheapest bronze. At 60 the Fort Bend gap grows to $410 and at 21 it shrinks to $151, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Fort Bend and nearby Harris County. The benchmark differs by $0 a month at 40 and the cheapest bronze by $27. Imperial Insurance Companies sells in Harris County and not in Fort Bend.
Fort Bend plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 4 | 0 | |
| Bronze | 1 | 0 | $11,750 to $11,750 |
| Expanded Bronze | 35 | 5 | $0 to $11,750 |
| Silver | 51 | 4 | $0 to $9,000 |
| Gold | 46 | 8 | $0 to $2,750 |
| Total | 137 | 17 |
There is not a single PPO on the 2027 marketplace in Fort Bend County. The 137 plans split into 88 HMO, 31 EPO and 18 POS. Outside emergencies, the 31 EPO and 88 HMO plans in Fort Bend generally pay nothing out of network, so the network list matters more than the premium. 17 plans in Fort Bend have a $0 medical deductible (8 gold, 5 expanded bronze and 4 silver). 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 Fort Bend price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Fort Bend the premium tax credit is measured against the $669 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Fort Bend numbers for you.
2027 plans for Fort Bend County
These are the 2027 plans and prices for Fort Bend 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 Fort Bend plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Fort Bend County coverage
How many health insurance companies sell marketplace plans in Fort Bend County, Texas?
For 2027, seven carriers sell individual marketplace plans in Fort Bend County: Oscar, UnitedHealthcare, Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Wellpoint, Community Health Choice and Harbor Health. Together they offer 137 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Fort Bend County?
At full price before any subsidy, the cheapest bronze plan in Fort Bend County is $372 a month for a 21 year old, $476 at 40 and $1,010 at 60. In Fort Bend a couple both aged 40 pays $952 for the cheapest bronze, and two 40 year olds with two children pay $1,521. Catastrophic plans in Fort Bend, open only to people under 30 or with a hardship exemption, start at $385 at age 21. Most people in Fort Bend who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Fort Bend County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $669 a month for a 40 year old in Fort Bend County before subsidies. In Fort Bend it is $523 at age 21 and $1,420 at age 60, and the lowest silver plan is $656 at 40.
Did any insurance company leave Fort Bend County for 2027?
No. Every carrier that sold plans in Fort Bend County in 2026 also has plans there in the 2027 CMS plan file. New for 2027: Harbor Health. Plans and networks inside each company can still change, so read your renewal notice.
Can I get a PPO plan in Fort Bend County?
Not on the 2027 marketplace. All 137 plans in Fort Bend County are HMO, EPO or POS plans. 17 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Fort Bend is $600 a month before subsidies.
More for Fort Bend County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Fort Bend compares with the other 78 counties and parishes I track
- Estimate a Fort Bend subsidy
Get your Fort Bend County quote
Send me your ZIP and who needs coverage and I will compare every Fort Bend 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), Fort Bend County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines