- 8carriers selling 2027 marketplace plans in Montgomery County
- 131plans on the Montgomery shelf, from 34 bronze to 44 gold
- $728benchmark silver for a 40 year old in Montgomery, full price per month
Who sells marketplace plans in Montgomery County
Eight companies sell in Montgomery, against nine in the busiest Texas county I track and three in the thinnest. No single company dominates Montgomery 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 |
| 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 |
| UnitedHealthcare | 15 | 5 | 5 | 5 | HMO 15 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 8 | 2 | 2 | 3 | HMO 8 |
| Community Health Choice | 6 | 2 | 2 | 2 | HMO 6 |
| Harbor Health New for 2027 | 4 | 0 | 2 | 2 | HMO 4 |
Montgomery plan counts from the CMS 2027 landscape file (county FIPS 48339, Rating Area 27). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Montgomery County for 2027
New in Montgomery for 2027: Harbor Health. Montgomery now has eight carriers and 131 plans, against seven carriers and 112 plans in 2026.
What it costs in Montgomery County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Montgomery 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 Montgomery 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 | $388 | $496 | $1,054 | $992 | $1,586 |
| Lowest silver | $566 | $723 | $1,535 | $1,446 | $2,312 |
| Benchmark silver (second lowest) | $570 | $728 | $1,547 | $1,457 | $2,328 |
| Lowest gold | $517 | $661 | $1,404 | $1,322 | $2,113 |
Benchmark silver is the second lowest of the 48 silver premiums listed for Montgomery. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Montgomery County
The gold row is the surprise in Montgomery County. The cheapest gold plan for a 40 year old, $661 a month, is $62 cheaper than the cheapest silver plan at $723. 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 Montgomery shelf, and a gold deductible here tops out at $2,750.
In Montgomery County the benchmark is $232 above the cheapest bronze at age 40, and 23 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 $728 benchmark minus what the government expects you to pay from your income. A 40 year old in Montgomery whose expected share is $232 a month or less would pay nothing for the cheapest bronze. At 60 the Montgomery gap grows to $493 and at 21 it shrinks to $182, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Harris County, the Montgomery benchmark is $59 higher at 40 and the cheapest bronze is $47 higher. The same eight carriers sell in Montgomery and Harris, so if you move or work across the line your choice of company does not change, only the price.
Montgomery plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 5 | 0 | |
| Bronze | 2 | 0 | $9,500 to $11,750 |
| Expanded Bronze | 32 | 3 | $0 to $11,750 |
| Silver | 48 | 2 | $0 to $9,000 |
| Gold | 44 | 7 | $0 to $2,750 |
| Total | 131 | 12 |
There is not a single PPO on the 2027 marketplace in Montgomery County. The 131 plans split into 82 HMO, 31 EPO and 18 POS. Outside emergencies, the 31 EPO and 82 HMO plans in Montgomery generally pay nothing out of network, so the network list matters more than the premium. 12 plans in Montgomery have a $0 medical deductible (7 gold, 3 expanded bronze and 2 silver). The 3 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 Montgomery price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Montgomery the premium tax credit is measured against the $728 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Montgomery numbers for you.
2027 plans for Montgomery County
These are the 2027 plans and prices for Montgomery 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 Montgomery plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Montgomery County coverage
How many health insurance companies sell marketplace plans in Montgomery County, Texas?
For 2027, eight carriers sell individual marketplace plans in Montgomery County: Oscar, Ambetter from Superior HealthPlan, Blue Cross and Blue Shield of Texas, Wellpoint, UnitedHealthcare, Imperial Insurance Companies, Community Health Choice and Harbor Health. Together they offer 131 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Montgomery County?
At full price before any subsidy, the cheapest bronze plan in Montgomery County is $388 a month for a 21 year old, $496 at 40 and $1,054 at 60. In Montgomery a couple both aged 40 pays $992 for the cheapest bronze, and two 40 year olds with two children pay $1,586. Catastrophic plans in Montgomery, open only to people under 30 or with a hardship exemption, start at $364 at age 21. Most people in Montgomery who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Montgomery County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $728 a month for a 40 year old in Montgomery County before subsidies. In Montgomery it is $570 at age 21 and $1,547 at age 60, and the lowest silver plan is $723 at 40.
Did any insurance company leave Montgomery County for 2027?
No. Every carrier that sold plans in Montgomery 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 Montgomery County?
Not on the 2027 marketplace. All 131 plans in Montgomery County are HMO, EPO or POS plans. 12 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Montgomery is $661 a month before subsidies.
More for Montgomery County residents
- Health insurance brokers in Texas, how to choose one and what it costs
- Every 2027 carrier change in Texas
- How Montgomery compares with the other 78 counties and parishes I track
- Estimate a Montgomery subsidy
Get your Montgomery County quote
Send me your ZIP and who needs coverage and I will compare every Montgomery 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), Montgomery County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines