Community Premier Silver 020 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)
Silver · HMO · Community Health Choice · Texas
At age 40 it costs between $694.80 and $774.81 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 27248TX0010020 |
|---|---|
| Insurer | Community Health Choice |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Jasper County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Jefferson County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Newton County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Orange County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Polk County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| San Jacinto County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Tyler County | $543.66 | $617.06 | $694.80 | $970.98 | $1,475.50 |
| Austin County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Brazoria County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Fort Bend County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Matagorda County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Waller County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Wharton County | $604.54 | $686.15 | $772.60 | $1,079.71 | $1,640.72 |
| Galveston County | $606.02 | $687.83 | $774.50 | $1,082.35 | $1,644.74 |
| Harris County | $606.02 | $687.83 | $774.50 | $1,082.35 | $1,644.74 |
| Chambers County | $606.27 | $688.12 | $774.81 | $1,082.80 | $1,645.42 |
| Liberty County | $606.27 | $688.12 | $774.81 | $1,082.80 | $1,645.42 |
| Montgomery County | $606.27 | $688.12 | $774.81 | $1,082.80 | $1,645.42 |
| Walker County | $606.27 | $688.12 | $774.81 | $1,082.80 | $1,645.42 |
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.
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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.