Community Premier Silver 012 (No deductible for PCP, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Silver · HMO · Community Health Choice · Texas
At age 40 it costs between $695.45 and $775.54 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $2,800 | $10,600 | $30 | $10 |
| up to 150% of the federal poverty level | $0 | $2,000 | $10 | $5 |
| 150% to 200% | $500 | $2,800 | $25 | $5 |
| 200% to 250% | $2,400 | $7,500 | $30 | $10 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 27248TX0010012 |
|---|---|
| Insurer | Community Health Choice |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,800 |
| Deductible (family) | $5,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $30 |
| Specialist visit | $60 Copay after deductible |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $80 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-315-5386 · TTY 1-855-315-5386 |
Where it is sold, and what it costs there
20 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Hardin County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Jasper County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Jefferson County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Newton County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Orange County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Polk County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| San Jacinto County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Tyler County | $544.17 | $617.64 | $695.45 | $971.89 | $1,476.88 |
| Austin County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Brazoria County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Fort Bend County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Matagorda County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Waller County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Wharton County | $605.11 | $686.80 | $773.33 | $1,080.72 | $1,642.26 |
| Galveston County | $606.59 | $688.48 | $775.22 | $1,083.37 | $1,646.29 |
| Harris County | $606.59 | $688.48 | $775.22 | $1,083.37 | $1,646.29 |
| Chambers County | $606.84 | $688.76 | $775.54 | $1,083.82 | $1,646.96 |
| Liberty County | $606.84 | $688.76 | $775.54 | $1,083.82 | $1,646.96 |
| Montgomery County | $606.84 | $688.76 | $775.54 | $1,083.82 | $1,646.96 |
| Walker County | $606.84 | $688.76 | $775.54 | $1,083.82 | $1,646.96 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
Get told when this changes
When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.