Texas · Insurer
Community Health Choice Marketplace Plans in Texas
Community Health Choice is a Houston-area nonprofit with about 187,000 Marketplace members in 20 Southeast Texas counties. Both of its 2027 filings average about 27.2%.
- Member experience not rated in PY2026; rated 5 in PY2025.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
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20 of 254Texas counties (2026)
HMOPlan type
3 of 5CMS quality rating (2026)
+27.2%Proposed 2027 change
What makes Community Health Choice different
Premier (broad, 100+ hospitals), Select and Ultra Select (narrower Harris County options, with some Select plans in Fort Bend). Narrower networks cost less.
Most plans waive the deductible for primary care, urgent care and generics, so you pay a copay from the first visit.
All three HMO families let you see in-network specialists without a referral.
An affiliate of Harris Health System that sells only in Southeast Texas, not statewide.
Is Community Health Choice a good fit?
A good fit if
- You live in one of the 20 Southeast Texas counties
- You want Memorial Hermann, Houston Methodist or Harris Health in a broad Premier network
- You prefer copays before meeting a deductible
Think twice if
- Proposed 2027 increase is about 27%, among the higher Texas filings.
- Select and Ultra Select use different hospital sets. Check the exact network on your plan.
- Not sold outside Southeast Texas.
Good starting points
From its 17 2026 plans statewide, lowest price in any Texas rating area.Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)$375/monthLowest monthly premium
Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)$502/monthLowest deductible, $2,000
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Community Health Choice plans and prices
All 2026 Community Health Choice plans in Texas
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Community Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalBronze | TypeHMO | Premium (age 40)$375 | Deductible$9,800 | OOP max$10,600 | Primary care$35 | Specialist$90 after deductible | Generic Rx$30 | HSANo | Counties1 |
| Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalBronze | TypeHMO | Premium (age 40)$397 | Deductible$9,800 | OOP max$10,600 | Primary care$35 | Specialist$90 after deductible | Generic Rx$30 | HSANo | Counties1 |
| Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalBronze | TypeHMO | Premium (age 40)$411 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| Community Premier Bronze 003 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalBronze | TypeHMO | Premium (age 40)$443 | Deductible$8,500 | OOP max$10,600 | Primary care$40 | Specialist$70 after deductible | Generic Rx$20 | HSANo | Counties20 |
| Community Premier Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalBronze | TypeHMO | Premium (age 40)$457 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties20 |
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$586 | Deductible$4,500 | OOP max$9,000 | Primary care$30 | Specialist$80 | Generic Rx$15 | HSANo | Counties1 |
| Community Ultra Select Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$616 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties1 |
| Community Ultra Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$617 | Deductible$4,500 | OOP max$9,000 | Primary care$30 | Specialist$80 | Generic Rx$15 | HSANo | Counties1 |
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$649 | Deductible$4,500 | OOP max$9,000 | Primary care$30 | Specialist$80 | Generic Rx$15 | HSANo | Counties1 |
| Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$695 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties20 |
| Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalSilver | TypeHMO | Premium (age 40)$695 | Deductible$2,800 | OOP max$10,600 | Primary care$30 | Specialist$60 after deductible | Generic Rx$10 | HSANo | Counties20 |
| Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$502 | Deductible$2,000 | OOP max$9,200 | Primary care$15 | Specialist$30 | Generic Rx$10 | HSANo | Counties1 |
| Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$514 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties1 |
| Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$519 | Deductible$2,000 | OOP max$9,200 | Primary care$15 | Specialist$30 | Generic Rx$10 | HSANo | Counties1 |
| Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$555 | Deductible$2,000 | OOP max$9,200 | Primary care$15 | Specialist$30 | Generic Rx$10 | HSANo | Counties1 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$587 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties20 |
| Community Premier Gold 005 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | MetalGold | TypeHMO | Premium (age 40)$591 | Deductible$2,500 | OOP max$7,500 | Primary care$20 | Specialist$40 | Generic Rx$10 | HSANo | Counties20 |
Other Texas Marketplace insurers
Sources
- CHCI 2027 Part II consumer justification, July 17, 2026
- Community Health Choice 2026 broker guide, October 2025
- 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.