Imperial Standard Gold
Gold · HMO · Imperial Insurance Companies, Inc. · Texas
At age 40 it costs between $553.63 and $682.09 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 | 34826TX0020003 |
|---|---|
| Insurer | Imperial Insurance Companies, Inc. |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $433.20 | $491.68 | $553.63 | $773.70 | $1,175.71 |
| Bexar County | $462.74 | $525.21 | $591.39 | $826.46 | $1,255.89 |
| Comal County | $462.74 | $525.21 | $591.39 | $826.46 | $1,255.89 |
| Guadalupe County | $462.74 | $525.21 | $591.39 | $826.46 | $1,255.89 |
| El Paso County | $465.55 | $528.40 | $594.97 | $831.47 | $1,263.49 |
| Denton County | $506.38 | $574.74 | $647.15 | $904.39 | $1,374.31 |
| Tarrant County | $506.38 | $574.74 | $647.15 | $904.39 | $1,374.31 |
| Montgomery County | $520.39 | $590.64 | $665.05 | $929.41 | $1,412.33 |
| Hays County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Travis County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Williamson County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Collin County | $533.72 | $605.77 | $682.09 | $953.22 | $1,448.51 |
| Dallas County | $533.72 | $605.77 | $682.09 | $953.22 | $1,448.51 |
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.