Texas · Insurer update
Baylor Scott & White Is Leaving Texas's Marketplace: What Members Should Do
Baylor Scott & White Health Plan is leaving the individual Marketplace after 2026. About 100,000 Marketplace members in 104 counties need a new insurer for 2027.
Compare 2027 plans for my ZIP codeFree. See your price after tax credits.
What to do for 2027
Compare 2027 plans on HealthCare.gov from Nov 1, 2026 through Jan 15, 2027.
Choose a replacement by Dec 15 so coverage starts Jan 1 without a gap.
Hospitals and clinics stay open to other insurers. Pick a plan that still contracts with the Baylor Scott & White providers you use.
In 13 counties where Baylor and Blue Cross were the only 2026 choices, Blue Cross may be alone in 2027 unless another insurer expands.
HSA bronze members who want to keep HSA eligibility need an HSA-eligible replacement plan. Deductibles and out-of-pocket totals restart with a new insurer.
Compare insurers you can switch to
In 2026 it sold 10 HMO plans in 104 counties across Central and North Texas, West Texas and the Panhandle, including HSA bronze and a Diabetes Care Gold with $0 primary care visits.
| Insurer | Counties (2026) | CMS rating (2026) | 2027 change |
|---|---|---|---|
| Blue Cross | Counties (2026)254 of 254 | CMS rating (2026)3 of 5 | 2027 change+8.9% proposed |
| Oscar | Counties (2026)47 of 254 | CMS rating (2026)2 of 5 | 2027 change+9.6% proposed |
| UnitedHealthcare | Counties (2026)218 of 254 | CMS rating (2026)2 of 5 | 2027 change+27.4% proposed |
| Ambetter | Counties (2026)150 of 254 | CMS rating (2026)3 of 5 | 2027 change+7.6% proposed |
| Wellpoint | Counties (2026)30 of 254 | CMS rating (2026)Not yet rated | 2027 change+15.3% proposed |
| CHRISTUS | Counties (2026)38 of 254 | CMS rating (2026)3 of 5 | 2027 change+12.5% proposed |
| Community Health Choice | Counties (2026)20 of 254 | CMS rating (2026)3 of 5 | 2027 change+27.2% proposed |
| Molina | Counties (2026)13 of 254 | CMS rating (2026)3 of 5 | 2027 change+13% proposed |
Find your 2027 plan
See plans for your county, check your doctors and prescriptions, and see your price after tax credits.
Compare 2027 plans for my ZIP codeAll 2026 Baylor Scott & White plans in Texas
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| BSW Savers Bronze HMO H S A 006 | MetalBronze | TypeHMO | Premium (age 40)$352 | Deductible$8,000 | OOP max$8,000 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties104 |
| BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay) | MetalBronze | TypeHMO | Premium (age 40)$358 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties104 |
| BSW Savers Bronze HMO H S A 009 | MetalBronze | TypeHMO | Premium (age 40)$362 | Deductible$5,300 | OOP max$10,600 | Primary care$40 | Specialist$100 | Generic Rx$25 | HSANo | Counties104 |
| BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay) | MetalSilver | TypeHMO | Premium (age 40)$563 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties104 |
| BSW Prime Silver HMO 005 | MetalSilver | TypeHMO | Premium (age 40)$564 | Deductible$3,000 | OOP max$9,000 | Primary care$45 | Specialist$85 | Generic Rx$20 | HSANo | Counties104 |
| BSW Prime Silver HMO 008 | MetalSilver | TypeHMO | Premium (age 40)$564 | Deductible$5,000 | OOP max$8,500 | Primary care$35 | Specialist$70 | Generic Rx$20 | HSANo | Counties104 |
| BSW Elite Gold HMO 004 | MetalGold | TypeHMO | Premium (age 40)$470 | Deductible$1,550 | OOP max$8,100 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties104 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | MetalGold | TypeHMO | Premium (age 40)$470 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties104 |
| BSW Elite Gold HMO 012 | MetalGold | TypeHMO | Premium (age 40)$491 | Deductible$500 | OOP max$10,600 | Primary care$10 | Specialist$60 | Generic Rx$10 | HSANo | Counties104 |
| BSW Diabetes Care Gold HMO 014 | MetalGold | TypeHMO | Premium (age 40)$613 | Deductible$1,700 | OOP max$10,150 | Primary care$0 | Specialist$10 | Generic Rx$20 | HSANo | Counties24 |
Sources
- Baylor Scott & White Health Plan, Marketplace member FAQ, accessed October 7, 2026
- KERA / KEDT, Baylor Scott & White exit, April 15, 2026
- CMS Marketplace Quality Rating System, PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Texas Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.