BSW Elite Gold HMO 004
Gold · HMO · Baylor Scott and White Health Plan · Texas
At age 40 it costs between $470.22 and $871.15 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 | 40788TX0460004 |
|---|---|
| Insurer | Baylor Scott and White Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,550 |
| Deductible (family) | $3,100 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,100 |
| Family maximum | $16,200 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | $750 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $55 |
| Specialty drugs | $500 |
| 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 | 1-844-633-5325 · TTY 1-800-735-2989 |
Where it is sold, and what it costs there
104 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 |
|---|---|---|---|---|---|
| Cottle County | $367.93 | $417.60 | $470.22 | $657.12 | $998.56 |
| Knox County | $367.93 | $417.60 | $470.22 | $657.12 | $998.56 |
| Bexar County | $448.57 | $509.13 | $573.27 | $801.15 | $1,217.42 |
| Burnet County | $456.80 | $518.47 | $583.79 | $815.85 | $1,239.76 |
| Llano County | $456.80 | $518.47 | $583.79 | $815.85 | $1,239.76 |
| Travis County | $456.80 | $518.47 | $583.79 | $815.85 | $1,239.76 |
| Williamson County | $456.80 | $518.47 | $583.79 | $815.85 | $1,239.76 |
| Collin County | $461.60 | $523.91 | $589.92 | $824.41 | $1,252.77 |
| Dallas County | $461.60 | $523.91 | $589.92 | $824.41 | $1,252.77 |
| Ellis County | $461.60 | $523.91 | $589.92 | $824.41 | $1,252.77 |
| Navarro County | $461.60 | $523.91 | $589.92 | $824.41 | $1,252.77 |
| Rockwall County | $461.60 | $523.91 | $589.92 | $824.41 | $1,252.77 |
| Somervell County | $486.75 | $552.46 | $622.06 | $869.33 | $1,321.03 |
| Bosque County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| Falls County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| Freestone County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| Hill County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| Limestone County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| McLennan County | $496.29 | $563.29 | $634.26 | $886.37 | $1,346.93 |
| Andrews County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Borden County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Crane County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Dawson County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Ector County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Gaines County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Glasscock County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Howard County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Loving County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Martin County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Midland County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Pecos County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Reeves County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Upton County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Ward County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Winkler County | $502.34 | $570.16 | $642 | $897.19 | $1,363.36 |
| Crosby County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Dickens County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Floyd County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Garza County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Hale County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Hockley County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| King County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Lamb County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Lubbock County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Lynn County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Motley County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Terry County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Yoakum County | $508.88 | $577.58 | $650.35 | $908.87 | $1,381.11 |
| Bell County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| Coryell County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| Hamilton County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| Lampasas County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| Mills County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| San Saba County | $509.18 | $577.92 | $650.73 | $909.39 | $1,381.90 |
| Brazos County | $517.36 | $587.20 | $661.18 | $924 | $1,404.11 |
| Milam County | $517.36 | $587.20 | $661.18 | $924 | $1,404.11 |
| Washington County | $517.36 | $587.20 | $661.18 | $924 | $1,404.11 |
| Brewster County | $518.97 | $589.03 | $663.24 | $926.87 | $1,408.47 |
| Coke County | $636.09 | $721.96 | $812.92 | $1,136.05 | $1,726.34 |
| McCulloch County | $636.09 | $721.96 | $812.92 | $1,136.05 | $1,726.34 |
| Reagan County | $636.09 | $721.96 | $812.92 | $1,136.05 | $1,726.34 |
| Callahan County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Coleman County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Comanche County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Eastland County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Fisher County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Haskell County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Jones County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Kent County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Mitchell County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Nolan County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Runnels County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Scurry County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Shackelford County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Stephens County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Stonewall County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Taylor County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Throckmorton County | $656.38 | $744.99 | $838.85 | $1,172.29 | $1,781.41 |
| Armstrong County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Briscoe County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Carson County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Castro County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Childress County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Collingsworth County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Dallam County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Deaf Smith County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Donley County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Gray County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Hall County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Hansford County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Hartley County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Hemphill County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Hutchinson County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Lipscomb County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Moore County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Ochiltree County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Oldham County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Parmer County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Potter County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Randall County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Roberts County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Sherman County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Swisher County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
| Wheeler County | $681.65 | $773.68 | $871.15 | $1,217.43 | $1,850.01 |
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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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.