- 5carriers selling 2026 marketplace plans in Lubbock County
- 74plans on the Lubbock shelf, from 24 bronze to 24 gold
- $779benchmark silver for a 40 year old in Lubbock, full price per month
Who sells marketplace plans in Lubbock County
Five companies sell in Lubbock, against nine in the busiest Texas county I track and four in the thinnest. The biggest lineup in Lubbock belongs to Wellpoint with 21 plans, about 28 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 |
| CignaCigna Healthcare Leaving for 2027 | 11 | 4 | 3 | 4 | HMO 11 |
| Baylor Scott and White Health Plan Leaving for 2027 | 9 | 3 | 3 | 3 | HMO 9 |
Lubbock plan counts from the CMS 2026 landscape file (county FIPS 48303, Rating Area 14). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Lubbock County for 2027
Cigna and Baylor Scott and White sell 20 of the 74 plans in Lubbock County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. After both exits, three carriers are left from the 2026 Lubbock lineup: Wellpoint, Blue Cross and Blue Shield of Texas and UnitedHealthcare. If you are enrolled with either company in Lubbock, 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 Lubbock County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Lubbock 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 Lubbock 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 | $381 | $487 | $1,034 | $974 | $1,557 |
| Lowest silver | $610 | $779 | $1,654 | $1,558 | $2,491 |
| Benchmark silver (second lowest) | $610 | $779 | $1,655 | $1,559 | $2,492 |
| Lowest gold | $509 | $650 | $1,381 | $1,301 | $2,079 |
Benchmark silver is the second lowest of the 24 silver premiums listed for Lubbock. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Lubbock County
The gold row is the surprise in Lubbock County. The cheapest gold plan for a 40 year old, $650 a month, is $129 cheaper than the cheapest silver plan at $779. 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 Lubbock shelf, and a gold deductible here tops out at $3,000.
In Lubbock County the benchmark is $292 above the cheapest bronze at age 40, and only five 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 $779 benchmark minus what the government expects you to pay from your income. A 40 year old in Lubbock whose expected share is $292 a month or less would pay nothing for the cheapest bronze. At 60 the Lubbock gap grows to $621 and at 21 it shrinks to $229, 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 Lubbock County to compare, so here is where it sits among the 15 Texas counties I track. Its benchmark is the 12th lowest of the 15 and its cheapest bronze is the 12th lowest. Lubbock has five carriers, where the busiest county has nine.
Lubbock 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 | 21 | 1 | $0 to $8,500 |
| Silver | 24 | 1 | $0 to $6,000 |
| Gold | 24 | 2 | $0 to $3,000 |
| Total | 74 | 4 |
There is not a single PPO on the 2026 marketplace in Lubbock County. The 74 plans split into 56 HMO and 18 POS. Outside emergencies, the 56 HMO plans in Lubbock generally pay nothing out of network, so the network list matters more than the premium. 4 plans in Lubbock have a $0 medical deductible (2 gold, 1 silver and 1 expanded bronze). The one bronze plan among them still has an out of pocket maximum of $10,600, so a $0 deductible does not mean a small bill.
Every Lubbock price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Lubbock the premium tax credit is measured against the $779 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Lubbock numbers for you.
2027 plans for Lubbock County
These are the 2026 plans and prices for Lubbock County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Lubbock 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 Lubbock County coverage
How many health insurance companies sell marketplace plans in Lubbock County, Texas?
For 2026, five carriers sell individual marketplace plans in Lubbock County: Wellpoint, Blue Cross and Blue Shield of Texas, UnitedHealthcare, Cigna and Baylor Scott and White Health Plan. Together they offer 74 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Lubbock County?
At full price before any subsidy, the cheapest bronze plan in Lubbock County is $381 a month for a 21 year old, $487 at 40 and $1,034 at 60. In Lubbock a couple both aged 40 pays $974 for the cheapest bronze, and two 40 year olds with two children pay $1,557. Catastrophic plans in Lubbock, open only to people under 30 or with a hardship exemption, start at $381 at age 21. Most people in Lubbock who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Lubbock County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $779 a month for a 40 year old in Lubbock County before subsidies. In Lubbock it is $610 at age 21 and $1,655 at age 60, and the lowest silver plan is $779 at 40.
Which insurance companies are leaving Lubbock County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. Baylor Scott and White is leaving the Texas individual market for 2027. In 2026 they sell 20 plans in Lubbock County. Three carriers from the 2026 Lubbock lineup remain: Wellpoint, Blue Cross and Blue Shield of Texas and UnitedHealthcare. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Lubbock County?
Not on the 2026 marketplace. All 74 plans in Lubbock County are HMO or POS plans. 4 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Lubbock is $650 a month before subsidies.
More for Lubbock County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Lubbock compares with the other 78 counties and parishes I track
- Estimate a Lubbock subsidy
Get your Lubbock County quote
Send me your ZIP and who needs coverage and I will compare every Lubbock 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), Lubbock County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- KFF, Tracking insurer participation changes in the ACA marketplaces in 2027
- healthinsurance.org, ACA open enrollment deadlines