Gold Plans in Texas
GoldCompare 79 Gold ACA marketplace plans from 15 issuers.
How we get our data
Our insurance data is sourced directly from the CMS ACA Marketplace (HIOS), the federal database that insurers are required to report to. We process that data to surface standardized out-of-pocket cost estimates based on three SBC scenarios defined by CMS: having a baby, managing diabetes, and treating a fracture. We update our data annually with each new plan year and link to the original SBC documents so you can verify costs directly with the insurer.
Learn more about our dataTotal Plans
79
Issuers
15
HSA-Eligible
0
Avg Baby Cost
$4,342
Gold health insurance plans in Texas offer comprehensive coverage with an actuarial value of approximately 80%, meaning the insurance company pays about 80% of covered healthcare costs for a typical population, while you pay the remaining 20% through deductibles, copays, and coinsurance.
With 79 Gold plans available from 15 different insurers in Texas, you have substantial options for higher-level coverage. Gold plans sit above Bronze and Silver tiers in terms of coverage generosity, offering lower out-of-pocket costs than those metal levels but higher monthly premiums. They provide more cost protection than Bronze (60% actuarial value) and Silver (70% actuarial value) plans, while being more affordable than Platinum plans (90% actuarial value).
These CMS marketplace Gold plans are ideal for Texans who use healthcare services regularly or want predictable, lower costs when they need medical care. The higher monthly premiums are often offset by significantly reduced expenses when you actually receive healthcare services.
Cost Scenarios
Normal delivery
Having a Baby
Type 2, routine care
Managing Diabetes
Emergency room treatment
Simple Fracture
Plan Comparison
Issuers Offering Gold Plans
| Issuer | Plans | Avg Baby Cost | Avg Diabetes Cost | Avg Fracture Cost |
|---|---|---|---|---|
| UnitedHealthcare | 11 | $3,405 | $445 | $2,225 |
| Ambetter from Superior HealthPlan | 8 | $3,819 | $1,845 | $1,926 |
| Blue Cross and Blue Shield of Texas | 8 | $5,169 | $1,489 | $2,114 |
| Cigna Healthcare | 8 | $5,034 | $1,620 | $2,025 |
| Molina Healthcare | 7 | $5,094 | $2,229 | $1,709 |
| Oscar Insurance Company | 7 | $4,506 | $1,871 | $2,157 |
| WellPoint | 6 | $4,602 | $1,670 | $1,875 |
| CHRISTUS Health Plan | 5 | $4,082 | $1,660 | $1,944 |
| Community Health Choice | 5 | $4,408 | $2,800 | $2,332 |
| Baylor Scott and White Health Plan | 4 | $4,348 | $1,445 | $1,613 |
| Imperial Insurance Companies, Inc. | 3 | $4,107 | $1,837 | $1,717 |
| Community First | 2 | $3,000 | $1,450 | $1,800 |
| Harbor Health | 2 | $4,220 | $1,115 | $1,810 |
| Sendero Health Plans, Local Nonprofit | 2 | $3,650 | $1,075 | $1,450 |
| Moda Health Plan, Inc. | 1 | $4,660 | $1,620 | $2,290 |
Frequently Asked Questions
How many Gold health insurance plans are available in Texas?
What does the Gold metal level mean for my healthcare costs?
Can I use a Health Savings Account with Gold plans in Texas?
How much variation is there in costs between Gold plans in Texas?
What types of Gold plans are available in Texas?
Find the Right Gold Plan in Texas
Compare out-of-pocket costs across 79 Gold plans. Our AI navigator can help you understand which plan fits your healthcare needs and budget.
Talk to Our AI NavigatorDisclaimer: Our AI navigator provides information collected from trusted sources only and does not constitute licensed insurance advice.
Written by Jayant Panwar | Last reviewed: Q1 2026 | Last updated: January 2026
Insurance Disclaimer: This information is for educational purposes only and does not constitute insurance advice or a recommendation to enroll in any plan. SBC scenarios show standardized cost estimates — your actual costs will vary. Plans shown are CMS marketplace Gold plans in Texas only. Consult your insurance company for accurate cost estimates.
Data source: CMS ACA Marketplace (HIOS), 2026 plan year. See our data methodology and editorial policy. Found an error? Report an inaccuracy.