BSW Elite Gold HMO 012
Gold · HMO · Baylor Scott and White Health Plan · Texas
At age 40 it costs between $491.03 and $909.71 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 | 40788TX0460012 |
|---|---|
| Insurer | Baylor Scott and White Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $500 |
| Deductible (family) | $1,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $10 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $10 |
| 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 | $384.22 | $436.09 | $491.03 | $686.21 | $1,042.76 |
| Knox County | $384.22 | $436.09 | $491.03 | $686.21 | $1,042.76 |
| Bexar County | $468.43 | $531.66 | $598.65 | $836.61 | $1,271.31 |
| Burnet County | $477.02 | $541.42 | $609.63 | $851.96 | $1,294.63 |
| Llano County | $477.02 | $541.42 | $609.63 | $851.96 | $1,294.63 |
| Travis County | $477.02 | $541.42 | $609.63 | $851.96 | $1,294.63 |
| Williamson County | $477.02 | $541.42 | $609.63 | $851.96 | $1,294.63 |
| Collin County | $482.03 | $547.10 | $616.03 | $860.90 | $1,308.23 |
| Dallas County | $482.03 | $547.10 | $616.03 | $860.90 | $1,308.23 |
| Ellis County | $482.03 | $547.10 | $616.03 | $860.90 | $1,308.23 |
| Navarro County | $482.03 | $547.10 | $616.03 | $860.90 | $1,308.23 |
| Rockwall County | $482.03 | $547.10 | $616.03 | $860.90 | $1,308.23 |
| Somervell County | $508.29 | $576.91 | $649.59 | $907.81 | $1,379.50 |
| Bosque County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| Falls County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| Freestone County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| Hill County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| Limestone County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| McLennan County | $518.26 | $588.22 | $662.33 | $925.61 | $1,406.55 |
| Andrews County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Borden County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Crane County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Dawson County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Ector County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Gaines County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Glasscock County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Howard County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Loving County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Martin County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Midland County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Pecos County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Reeves County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Upton County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Ward County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Winkler County | $524.58 | $595.40 | $670.41 | $936.90 | $1,423.71 |
| Crosby County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Dickens County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Floyd County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Garza County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Hale County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Hockley County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| King County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Lamb County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Lubbock County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Lynn County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Motley County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Terry County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Yoakum County | $531.41 | $603.15 | $679.14 | $949.09 | $1,442.24 |
| Bell County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| Coryell County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| Hamilton County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| Lampasas County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| Mills County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| San Saba County | $531.71 | $603.50 | $679.53 | $949.64 | $1,443.07 |
| Brazos County | $540.26 | $613.19 | $690.45 | $964.90 | $1,466.26 |
| Milam County | $540.26 | $613.19 | $690.45 | $964.90 | $1,466.26 |
| Washington County | $540.26 | $613.19 | $690.45 | $964.90 | $1,466.26 |
| Brewster County | $541.94 | $615.10 | $692.59 | $967.90 | $1,470.81 |
| Coke County | $664.24 | $753.92 | $848.90 | $1,186.34 | $1,802.75 |
| McCulloch County | $664.24 | $753.92 | $848.90 | $1,186.34 | $1,802.75 |
| Reagan County | $664.24 | $753.92 | $848.90 | $1,186.34 | $1,802.75 |
| Callahan County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Coleman County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Comanche County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Eastland County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Fisher County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Haskell County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Jones County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Kent County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Mitchell County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Nolan County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Runnels County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Scurry County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Shackelford County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Stephens County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Stonewall County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Taylor County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Throckmorton County | $685.43 | $777.97 | $875.98 | $1,224.18 | $1,860.26 |
| Armstrong County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Briscoe County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Carson County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Castro County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Childress County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Collingsworth County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Dallam County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Deaf Smith County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Donley County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Gray County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Hall County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Hansford County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Hartley County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Hemphill County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Hutchinson County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Lipscomb County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Moore County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Ochiltree County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Oldham County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Parmer County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Potter County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Randall County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Roberts County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Sherman County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Swisher County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
| Wheeler County | $711.83 | $807.92 | $909.71 | $1,271.32 | $1,931.90 |
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.