Imperial Preferred Gold
Gold · HMO · Imperial Insurance Companies, Inc. · Texas
At age 40 it costs between $558.64 and $688.26 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 | 34826TX0030003 |
|---|---|
| Insurer | Imperial Insurance Companies, Inc. |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,350 |
| Deductible (family) | $2,700 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| Primary care visit | $20 |
| Specialist visit | 20% Coinsurance after deductible |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | 20% Coinsurance after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| 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 | $437.12 | $496.13 | $558.64 | $780.70 | $1,186.35 |
| Bexar County | $466.93 | $529.97 | $596.74 | $833.94 | $1,267.25 |
| Comal County | $466.93 | $529.97 | $596.74 | $833.94 | $1,267.25 |
| Guadalupe County | $466.93 | $529.97 | $596.74 | $833.94 | $1,267.25 |
| El Paso County | $469.76 | $533.18 | $600.35 | $838.99 | $1,274.93 |
| Denton County | $510.96 | $579.94 | $653.01 | $912.57 | $1,386.74 |
| Tarrant County | $510.96 | $579.94 | $653.01 | $912.57 | $1,386.74 |
| Montgomery County | $525.10 | $595.98 | $671.07 | $937.82 | $1,425.11 |
| Hays County | $529.14 | $600.57 | $676.24 | $945.04 | $1,436.07 |
| Travis County | $529.14 | $600.57 | $676.24 | $945.04 | $1,436.07 |
| Williamson County | $529.14 | $600.57 | $676.24 | $945.04 | $1,436.07 |
| Collin County | $538.55 | $611.25 | $688.26 | $961.85 | $1,461.62 |
| Dallas County | $538.55 | $611.25 | $688.26 | $961.85 | $1,461.62 |
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.