Texas · Insurer
UnitedHealthcare Marketplace Plans in Texas
UnitedHealthcare sold HMO plans in 218 Texas counties in 2026 and filed for about 595,000 members across two companies. The main block proposed about 27.4%; Sanitas plans proposed about 34%.
- CMS QRS Nationwide PUF PY2026 issuer 40220 HMO: Overall 2, Medical Care 2, Member Experience CSR-I (not rated), Plan Administration 4. PY2025 overall 2 (Medical Care was 1). Sanitas issuer 70754 has no PUF row..
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
218 of 254Texas counties (2026)
HMOPlan type
2 of 5CMS quality rating (2026)
+27.4%Proposed 2027 change
What makes UnitedHealthcare different
Houston-area plans built around Kelsey-Seybold Clinic with $0 medical deductible options. Only plans with Kelsey-Seybold in the name include that clinic system.
Sanitas HMOs sold in Bexar County in 2026. UHC says Houston Sanitas plans arrive for 2027 alongside Kelsey-Seybold.
218 counties in 2026, including the major metros and much of rural Texas outside Blue Cross–only pockets.
Many plans list $0 virtual urgent care; "+" versions add adult dental and vision to the medical plan.
Is UnitedHealthcare a good fit?
A good fit if
- Your care is at Kelsey-Seybold and you want that Copay Focus network
- You want a Sanitas primary-care–centered plan in San Antonio or announced Houston areas
- You need an insurer that already sells in your county
Think twice if
- Proposed 2027 averages are among the highest in Texas (about 27% main block, about 34% Sanitas).
- Texas UHC Exchange plans require specialist referrals under UHC's 2027 exchange rules.
- Quality averages about 2 stars in the IndieBenefits summary of CMS ratings.
Good starting points
From its 31 2026 plans statewide, lowest price in any Texas rating area.UHC Bronze Essential ($0 Virtual Urgent Care)$447/monthLowest monthly premium
UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded$453/monthLowest deductible, $0
UHC Sanitas Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx)$544/month$5 primary care visits before the deductible
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.
UnitedHealthcare plans and prices
All 2026 UnitedHealthcare plans in Texas
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) | MetalBronze | TypeHMO | Premium (age 40)$447 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties218 |
| UHC Sanitas Bronze Standard | MetalBronze | TypeHMO | Premium (age 40)$452 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | MetalBronze | TypeHMO | Premium (age 40)$453 | Deductible$0 | OOP max$10,600 | Primary care$45 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| UHC Bronze Standard | MetalBronze | TypeHMO | Premium (age 40)$468 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties218 |
| UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | MetalBronze | TypeHMO | Premium (age 40)$468 | Deductible$0 | OOP max$10,600 | Primary care$45 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| UHC Sanitas Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | MetalBronze | TypeHMO | Premium (age 40)$472 | Deductible$0 | OOP max$10,600 | Primary care$20 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| UHC Bronze Standard+ (Dental + Vision) | MetalBronze | TypeHMO | Premium (age 40)$484 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties218 |
| UHC Sanitas Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | MetalBronze | TypeHMO | Premium (age 40)$489 | Deductible$0 | OOP max$10,600 | Primary care$20 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | MetalBronze | TypeHMO | Premium (age 40)$495 | Deductible$0 | OOP max$10,600 | Primary care$45 | Specialist$100 | Generic Rx$25 | HSANo | Counties213 |
| UHC Sanitas Silver Value ($0 Virtual Urgent Care) | MetalSilver | TypeHMO | Premium (age 40)$636 | Deductible$2,950 | OOP max$7,500 | Primary care$20 | Specialist40% after deductible | Generic Rx$8 | HSANo | Counties1 |
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | MetalSilver | TypeHMO | Premium (age 40)$649 | Deductible$0 | OOP max$9,200 | Primary care$25 | Specialist$75 | Generic Rx$15 | HSANo | Counties5 |
| UHC Sanitas Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | MetalSilver | TypeHMO | Premium (age 40)$654 | Deductible$0 | OOP max$9,200 | Primary care$10 | Specialist$75 | Generic Rx$15 | HSANo | Counties1 |
| UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$664 | Deductible$0 | OOP max$9,200 | Primary care$25 | Specialist$75 | Generic Rx$15 | HSANo | Counties5 |
| UHC Sanitas Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$670 | Deductible$0 | OOP max$9,200 | Primary care$10 | Specialist$75 | Generic Rx$15 | HSANo | Counties1 |
| UHC Sanitas Silver Standard | MetalSilver | TypeHMO | Premium (age 40)$677 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties1 |
| UHC Silver Standard | MetalSilver | TypeHMO | Premium (age 40)$688 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties218 |
| UHC Silver Value ($0 Virtual Urgent Care) | MetalSilver | TypeHMO | Premium (age 40)$699 | Deductible$3,000 | OOP max$8,950 | Primary care$20 | Specialist40% after deductible | Generic Rx$8 | HSANo | Counties218 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | MetalSilver | TypeHMO | Premium (age 40)$700 | Deductible$3,500 | OOP max$9,200 | Primary care$15 | Specialist$100 | Generic Rx$5 | HSANo | Counties213 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$715 | Deductible$3,000 | OOP max$8,950 | Primary care$20 | Specialist40% after deductible | Generic Rx$8 | HSANo | Counties218 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$716 | Deductible$3,500 | OOP max$9,200 | Primary care$15 | Specialist$100 | Generic Rx$5 | HSANo | Counties213 |
| UHC Sanitas Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$544 | Deductible$0 | OOP max$7,800 | Primary care$5 | Specialist$40 | Generic Rx$8 | HSANo | Counties1 |
| UHC Sanitas Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$555 | Deductible$1,000 | OOP max$5,500 | Primary care$15 | Specialist$60 | Generic Rx$8 | HSANo | Counties1 |
| UHC Sanitas Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | MetalGold | TypeHMO | Premium (age 40)$560 | Deductible$0 | OOP max$7,800 | Primary care$5 | Specialist$40 | Generic Rx$8 | HSANo | Counties1 |
| UHC Sanitas Gold Standard | MetalGold | TypeHMO | Premium (age 40)$585 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties1 |
| UHC Gold Standard | MetalGold | TypeHMO | Premium (age 40)$594 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties218 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$608 | Deductible$0 | OOP max$7,800 | Primary care$15 | Specialist$40 | Generic Rx$8 | HSANo | Counties213 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$610 | Deductible$1,000 | OOP max$7,500 | Primary care$15 | Specialist$60 | Generic Rx$8 | HSANo | Counties218 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$618 | Deductible$0 | OOP max$7,800 | Primary care$15 | Specialist$40 | Generic Rx$8 | HSANo | Counties5 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | MetalGold | TypeHMO | Premium (age 40)$624 | Deductible$0 | OOP max$7,800 | Primary care$15 | Specialist$40 | Generic Rx$8 | HSANo | Counties213 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | MetalGold | TypeHMO | Premium (age 40)$626 | Deductible$1,000 | OOP max$7,500 | Primary care$15 | Specialist$60 | Generic Rx$8 | HSANo | Counties218 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | MetalGold | TypeHMO | Premium (age 40)$634 | Deductible$0 | OOP max$7,800 | Primary care$15 | Specialist$40 | Generic Rx$8 | HSANo | Counties5 |
Good to know
In October 2026 the Texas attorney general opened an investigation into UnitedHealth Group over alleged care denials and deceptive practices. It is an investigation, not a finding or fine.
Other Texas Marketplace insurers
Sources
- UHCTX 2027 Part II justification, June 15, 2026
- UHC Provider, 2027 Individual Exchange plan information, October 1, 2026
- Healthcare Dive, Texas AG UnitedHealth investigation, October 7, 2026
- 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.