Imperial Preferred Gold Zero
Gold · HMO · Imperial Insurance Companies, Inc. · Texas
At age 40 it costs between $556.33 and $685.41 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 34826TX0010001 |
|---|---|
| Insurer | Imperial Insurance Companies, Inc. |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,200 |
| Family maximum | $18,400 |
| Primary care visit | $10 |
| Specialist visit | $40 |
| Emergency room | 50% |
| Inpatient stay | 50% |
| Generic drugs | $10 |
| Preferred brand drugs | 20% |
| Specialty drugs | 50% |
| Adult dental included | No |
| Child dental included | Yes |
| 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 | 1-800-595-0619 · TTY 1-800-595-0619 |
Where it is sold, and what it costs there
13 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 |
|---|---|---|---|---|---|
| Harris County | $435.31 | $494.08 | $556.33 | $777.47 | $1,181.44 |
| Bexar County | $465 | $527.77 | $594.27 | $830.49 | $1,262.01 |
| Comal County | $465 | $527.77 | $594.27 | $830.49 | $1,262.01 |
| Guadalupe County | $465 | $527.77 | $594.27 | $830.49 | $1,262.01 |
| El Paso County | $467.81 | $530.97 | $597.87 | $835.52 | $1,269.65 |
| Denton County | $508.84 | $577.54 | $650.30 | $908.80 | $1,381 |
| Tarrant County | $508.84 | $577.54 | $650.30 | $908.80 | $1,381 |
| Montgomery County | $522.92 | $593.52 | $668.30 | $933.94 | $1,419.21 |
| Hays County | $526.95 | $598.08 | $673.44 | $941.12 | $1,430.13 |
| Travis County | $526.95 | $598.08 | $673.44 | $941.12 | $1,430.13 |
| Williamson County | $526.95 | $598.08 | $673.44 | $941.12 | $1,430.13 |
| Collin County | $536.32 | $608.72 | $685.41 | $957.86 | $1,455.57 |
| Dallas County | $536.32 | $608.72 | $685.41 | $957.86 | $1,455.57 |
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.