- 7carriers selling 2026 marketplace plans in Montgomery County
- 112plans on the Montgomery shelf, from 29 bronze to 38 gold
- $668benchmark silver for a 40 year old in Montgomery, full price per month
Who sells marketplace plans in Montgomery County
Seven companies sell in Montgomery, against nine in the busiest Texas county I track and four in the thinnest. No single company dominates Montgomery County, where the largest lineup is 23 plans (Oscar) and the smallest is 6 (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 |
| Imperial Insurance CompaniesImperial Insurance Companies, Inc. | 7 | 2 | 2 | 3 | HMO 7 |
| Community Health Choice | 6 | 2 | 2 | 2 | HMO 6 |
Montgomery plan counts from the CMS 2026 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 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 | $346 | $443 | $940 | $886 | $1,416 |
| Lowest silver | $511 | $653 | $1,387 | $1,306 | $2,088 |
| Benchmark silver (second lowest) | $523 | $668 | $1,418 | $1,336 | $2,135 |
| Lowest gold | $474 | $605 | $1,285 | $1,210 | $1,935 |
Benchmark silver is the second lowest of the 43 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, $605 a month, is $48 cheaper than the cheapest silver plan at $653. 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 $3,300.
In Montgomery County the benchmark is $225 above the cheapest bronze at age 40, and 18 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 $668 benchmark minus what the government expects you to pay from your income. A 40 year old in Montgomery whose expected share is $225 a month or less would pay nothing for the cheapest bronze. At 60 the Montgomery gap grows to $478 and at 21 it shrinks to $176, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Harris County, the Montgomery benchmark is $76 higher at 40 and the cheapest bronze is $68 higher. The same seven 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 | 2 | 0 | |
| Bronze | 3 | 0 | $7,300 to $10,600 |
| Expanded Bronze | 26 | 3 | $0 to $9,000 |
| Silver | 43 | 3 | $0 to $7,500 |
| Gold | 38 | 3 | $0 to $3,300 |
| Total | 112 | 9 |
There is not a single PPO on the 2026 marketplace in Montgomery County. The 112 plans split into 70 HMO, 24 EPO and 18 POS. Outside emergencies, the 24 EPO and 70 HMO plans in Montgomery generally pay nothing out of network, so the network list matters more than the premium. 9 plans in Montgomery have a $0 medical deductible (3 expanded bronze, 3 silver and 3 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 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 $668 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 2026 plans and prices for Montgomery County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Montgomery 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 Montgomery County coverage
How many health insurance companies sell marketplace plans in Montgomery County, Texas?
For 2026, seven carriers sell individual marketplace plans in Montgomery County: Oscar, Blue Cross and Blue Shield of Texas, Wellpoint, Ambetter from Superior HealthPlan, UnitedHealthcare, Imperial Insurance Companies and Community Health Choice. Together they offer 112 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 $346 a month for a 21 year old, $443 at 40 and $940 at 60. In Montgomery a couple both aged 40 pays $886 for the cheapest bronze, and two 40 year olds with two children pay $1,416. Catastrophic plans in Montgomery, open only to people under 30 or with a hardship exemption, start at $338 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $668 a month for a 40 year old in Montgomery County before subsidies. In Montgomery it is $523 at age 21 and $1,418 at age 60, and the lowest silver plan is $653 at 40.
Is any insurance company leaving Montgomery County for 2027?
None of the seven carriers selling in Montgomery 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 Montgomery are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Montgomery County?
Not on the 2026 marketplace. All 112 plans in Montgomery County are HMO, EPO or POS plans. 9 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Montgomery is $605 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 2026 (public use file), Montgomery County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines