- 6carriers selling 2026 marketplace plans in Fort Bend County
- 107plans on the Fort Bend shelf, from 27 bronze to 36 gold
- $649benchmark silver for a 40 year old in Fort Bend, full price per month
Who sells marketplace plans in Fort Bend County
Six companies sell in Fort Bend, against nine in the busiest Texas county I track and four in the thinnest. No single company dominates Fort Bend County, where the largest lineup is 23 plans (Oscar) and the smallest is 8 (Community Health Choice).
| 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 | 15 | 5 | 5 | 5 | HMO 15 |
| Community Health Choice | 8 | 2 | 3 | 3 | HMO 8 |
Fort Bend plan counts from the CMS 2026 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 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 | $337 | $430 | $913 | $860 | $1,375 |
| Lowest silver | $506 | $647 | $1,374 | $1,294 | $2,069 |
| Benchmark silver (second lowest) | $508 | $649 | $1,378 | $1,298 | $2,074 |
| Lowest gold | $434 | $555 | $1,178 | $1,110 | $1,774 |
Benchmark silver is the second lowest of the 42 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, $555 a month, is $92 cheaper than the cheapest silver plan at $647. 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 $3,300.
In Fort Bend County the benchmark is $219 above the cheapest bronze at age 40, and 19 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 $649 benchmark minus what the government expects you to pay from your income. A 40 year old in Fort Bend whose expected share is $219 a month or less would pay nothing for the cheapest bronze. At 60 the Fort Bend gap grows to $464 and at 21 it shrinks to $171, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Harris County, the Fort Bend benchmark is $57 higher at 40 and the cheapest bronze is $56 higher. 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 | 2 | 0 | |
| Bronze | 2 | 0 | $7,300 to $10,600 |
| Expanded Bronze | 25 | 3 | $0 to $9,000 |
| Silver | 42 | 3 | $0 to $6,500 |
| Gold | 36 | 2 | $0 to $3,300 |
| Total | 107 | 8 |
There is not a single PPO on the 2026 marketplace in Fort Bend County. The 107 plans split into 65 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 65 HMO plans in Fort Bend generally pay nothing out of network, so the network list matters more than the premium. 8 plans in Fort Bend have a $0 medical deductible (3 expanded bronze, 3 silver and 2 gold). The 3 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 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 $649 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 2026 plans and prices for Fort Bend County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Fort Bend 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 Fort Bend County coverage
How many health insurance companies sell marketplace plans in Fort Bend County, Texas?
For 2026, six carriers sell individual marketplace plans in Fort Bend County: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare and Community Health Choice. Together they offer 107 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 $337 a month for a 21 year old, $430 at 40 and $913 at 60. In Fort Bend a couple both aged 40 pays $860 for the cheapest bronze, and two 40 year olds with two children pay $1,375. Catastrophic plans in Fort Bend, open only to people under 30 or with a hardship exemption, start at $354 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $649 a month for a 40 year old in Fort Bend County before subsidies. In Fort Bend it is $508 at age 21 and $1,378 at age 60, and the lowest silver plan is $647 at 40.
Is any insurance company leaving Fort Bend County for 2027?
None of the six carriers selling in Fort Bend 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 Fort Bend are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Fort Bend County?
Not on the 2026 marketplace. All 107 plans in Fort Bend County are HMO, EPO or POS plans. 8 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Fort Bend is $555 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 2026 (public use file), Fort Bend County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines