Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · POS · WellPoint · Texas
At age 40 it costs between $719.62 and $883 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $4,000 | $9,550 | $25 | $10 |
| up to 150% of the federal poverty level | $200 | $900 | $5 | $3 |
| 150% to 200% | $700 | $2,700 | $10 | $3 |
| 200% to 250% | $3,200 | $7,100 | $25 | $10 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 47501TX0030009 |
|---|---|
| Insurer | WellPoint |
| Metal level | Silver |
| Plan type | POS |
| Deductible (individual) | $4,000 |
| Deductible (family) | $8,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,550 |
| Family maximum | $19,100 |
| Primary care visit | $25 |
| Specialist visit | $70 |
| Emergency room | $500 Copay after deductible and 50% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 50% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $40 |
| Specialty drugs | 50% Coinsurance after deductible |
| 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 | 1-833-476-1458 · TTY 1-711-000-0000 |
Where it is sold, and what it costs there
30 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 |
|---|---|---|---|---|---|
| Bexar County | $563.08 | $639.10 | $719.62 | $1,005.66 | $1,528.20 |
| Comal County | $563.08 | $639.10 | $719.62 | $1,005.66 | $1,528.20 |
| Guadalupe County | $563.08 | $639.10 | $719.62 | $1,005.66 | $1,528.20 |
| Medina County | $563.08 | $639.10 | $719.62 | $1,005.66 | $1,528.20 |
| Wilson County | $563.08 | $639.10 | $719.62 | $1,005.66 | $1,528.20 |
| Collin County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Dallas County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Ellis County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Hunt County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Kaufman County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Rockwall County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Jefferson County | $604.76 | $686.40 | $772.88 | $1,080.10 | $1,641.32 |
| Orange County | $604.76 | $686.40 | $772.88 | $1,080.10 | $1,641.32 |
| Montgomery County | $612.46 | $695.14 | $782.72 | $1,093.85 | $1,662.22 |
| Walker County | $612.46 | $695.14 | $782.72 | $1,093.85 | $1,662.22 |
| Caldwell County | $613.49 | $696.31 | $784.04 | $1,095.69 | $1,665.01 |
| El Paso County | $613.73 | $696.58 | $784.35 | $1,096.12 | $1,665.66 |
| Hidalgo County | $617.55 | $700.92 | $789.23 | $1,102.94 | $1,676.03 |
| Denton County | $619.67 | $703.33 | $791.94 | $1,106.73 | $1,681.78 |
| Johnson County | $619.67 | $703.33 | $791.94 | $1,106.73 | $1,681.78 |
| Tarrant County | $619.67 | $703.33 | $791.94 | $1,106.73 | $1,681.78 |
| Cameron County | $622.21 | $706.21 | $795.18 | $1,111.27 | $1,688.68 |
| Harris County | $636.69 | $722.64 | $813.69 | $1,137.13 | $1,727.98 |
| Brazoria County | $640.81 | $727.32 | $818.96 | $1,144.49 | $1,739.16 |
| Fort Bend County | $640.81 | $727.32 | $818.96 | $1,144.49 | $1,739.16 |
| Matagorda County | $640.81 | $727.32 | $818.96 | $1,144.49 | $1,739.16 |
| Crosby County | $690.92 | $784.19 | $883 | $1,233.98 | $1,875.16 |
| Lubbock County | $690.92 | $784.19 | $883 | $1,233.98 | $1,875.16 |
| Lynn County | $690.92 | $784.19 | $883 | $1,233.98 | $1,875.16 |
| Terry County | $690.92 | $784.19 | $883 | $1,233.98 | $1,875.16 |
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.