- 5carriers selling 2026 marketplace plans in Hidalgo County
- 78plans on the Hidalgo shelf, from 23 bronze to 26 gold
- $649benchmark silver for a 40 year old in Hidalgo, full price per month
Who sells marketplace plans in Hidalgo County
Five companies sell in Hidalgo, against nine in the busiest Texas county I track and four in the thinnest. The biggest lineup in Hidalgo belongs to Wellpoint with 21 plans, about 27 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Wellpoint | 21 | 7 | 7 | 6 | HMO 12, POS 9 |
| Blue Cross and Blue Shield of Texas | 19 | 6 | 6 | 6 | HMO 10, POS 9 |
| UnitedHealthcare | 14 | 4 | 5 | 5 | HMO 14 |
| Ambetter from Superior HealthPlan | 12 | 0 | 6 | 6 | EPO 12 |
| OscarOscar Insurance Company | 12 | 6 | 3 | 3 | EPO 12 |
Hidalgo plan counts from the CMS 2026 landscape file (county FIPS 48215, Rating Area 15). 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 Hidalgo County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Hidalgo 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 Hidalgo 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 | $298 | $380 | $808 | $761 | $1,216 |
| Lowest silver | $453 | $579 | $1,229 | $1,157 | $1,850 |
| Benchmark silver (second lowest) | $508 | $649 | $1,378 | $1,297 | $2,074 |
| Lowest gold | $392 | $501 | $1,063 | $1,001 | $1,600 |
Benchmark silver is the second lowest of the 27 silver premiums listed for Hidalgo. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Hidalgo County
The gold row is the surprise in Hidalgo County. The cheapest gold plan for a 40 year old, $501 a month, is $78 cheaper than the cheapest silver plan at $579. 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 Hidalgo shelf, and a gold deductible here tops out at $2,500.
In Hidalgo County the benchmark is $268 above the cheapest bronze at age 40, and only eight 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 Hidalgo whose expected share is $268 a month or less would pay nothing for the cheapest bronze. At 60 the Hidalgo gap grows to $570 and at 21 it shrinks to $210, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Cameron County, the Hidalgo benchmark is $61 lower at 40 and the cheapest bronze is $26 higher. The same five carriers sell in Hidalgo and Cameron, so if you move or work across the line your choice of company does not change, only the price.
Hidalgo 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 | 21 | 2 | $0 to $9,000 |
| Silver | 27 | 1 | $0 to $6,300 |
| Gold | 26 | 2 | $0 to $2,500 |
| Total | 78 | 5 |
There is not a single PPO on the 2026 marketplace in Hidalgo County. The 78 plans split into 36 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 36 HMO plans in Hidalgo generally pay nothing out of network, so the network list matters more than the premium. 5 plans in Hidalgo have a $0 medical deductible (2 expanded bronze, 2 gold 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 Hidalgo price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Hidalgo the premium tax credit is measured against the $649 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Hidalgo numbers for you.
2027 plans for Hidalgo County
These are the 2026 plans and prices for Hidalgo County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Hidalgo 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 Hidalgo County coverage
How many health insurance companies sell marketplace plans in Hidalgo County, Texas?
For 2026, five carriers sell individual marketplace plans in Hidalgo County: Wellpoint, Blue Cross and Blue Shield of Texas, UnitedHealthcare, Ambetter from Superior HealthPlan and Oscar. Together they offer 78 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Hidalgo County?
At full price before any subsidy, the cheapest bronze plan in Hidalgo County is $298 a month for a 21 year old, $380 at 40 and $808 at 60. In Hidalgo a couple both aged 40 pays $761 for the cheapest bronze, and two 40 year olds with two children pay $1,216. Catastrophic plans in Hidalgo, open only to people under 30 or with a hardship exemption, start at $341 at age 21. Most people in Hidalgo who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Hidalgo 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 Hidalgo County before subsidies. In Hidalgo it is $508 at age 21 and $1,378 at age 60, and the lowest silver plan is $579 at 40.
Is any insurance company leaving Hidalgo County for 2027?
None of the five carriers selling in Hidalgo 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 Hidalgo are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Hidalgo County?
Not on the 2026 marketplace. All 78 plans in Hidalgo County are HMO, EPO or POS plans. 5 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Hidalgo is $501 a month before subsidies.
More for Hidalgo County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Hidalgo compares with the other 78 counties and parishes I track
- Estimate a Hidalgo subsidy
Get your Hidalgo County quote
Send me your ZIP and who needs coverage and I will compare every Hidalgo 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), Hidalgo County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines