Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · HMO · WellPoint · Texas
At age 40 it costs between $689.46 and $845.97 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 | $1,850 | $9,100 | $10 | $10 |
| up to 150% of the federal poverty level | $0 | $1,100 | No Charge | $5 |
| 150% to 200% | $300 | $3,050 | No Charge | $5 |
| 200% to 250% | $1,500 | $7,200 | $10 | $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 | 47501TX0040011 |
|---|---|
| Insurer | WellPoint |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $1,850 |
| Deductible (family) | $3,700 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,100 |
| Family maximum | $18,200 |
| Primary care visit | $10 |
| Specialist visit | 50% Coinsurance after deductible |
| 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 | $50 |
| 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 | $539.48 | $612.31 | $689.46 | $963.51 | $1,464.15 |
| Comal County | $539.48 | $612.31 | $689.46 | $963.51 | $1,464.15 |
| Guadalupe County | $539.48 | $612.31 | $689.46 | $963.51 | $1,464.15 |
| Medina County | $539.48 | $612.31 | $689.46 | $963.51 | $1,464.15 |
| Wilson County | $539.48 | $612.31 | $689.46 | $963.51 | $1,464.15 |
| Collin County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Dallas County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Ellis County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Hunt County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Kaufman County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Rockwall County | $558.98 | $634.44 | $714.38 | $998.34 | $1,517.07 |
| Jefferson County | $579.41 | $657.63 | $740.49 | $1,034.83 | $1,572.52 |
| Orange County | $579.41 | $657.63 | $740.49 | $1,034.83 | $1,572.52 |
| Montgomery County | $586.78 | $666 | $749.90 | $1,047.99 | $1,592.52 |
| Walker County | $586.78 | $666 | $749.90 | $1,047.99 | $1,592.52 |
| Caldwell County | $587.77 | $667.12 | $751.17 | $1,049.76 | $1,595.21 |
| El Paso County | $588 | $667.38 | $751.46 | $1,050.17 | $1,595.83 |
| Hidalgo County | $591.66 | $671.53 | $756.14 | $1,056.70 | $1,605.77 |
| Denton County | $593.69 | $673.84 | $758.74 | $1,060.33 | $1,611.27 |
| Johnson County | $593.69 | $673.84 | $758.74 | $1,060.33 | $1,611.27 |
| Tarrant County | $593.69 | $673.84 | $758.74 | $1,060.33 | $1,611.27 |
| Cameron County | $596.13 | $676.61 | $761.85 | $1,064.69 | $1,617.90 |
| Harris County | $610 | $692.35 | $779.58 | $1,089.46 | $1,655.54 |
| Brazoria County | $613.95 | $696.83 | $784.63 | $1,096.51 | $1,666.26 |
| Fort Bend County | $613.95 | $696.83 | $784.63 | $1,096.51 | $1,666.26 |
| Matagorda County | $613.95 | $696.83 | $784.63 | $1,096.51 | $1,666.26 |
| Crosby County | $661.95 | $751.31 | $845.97 | $1,182.24 | $1,796.53 |
| Lubbock County | $661.95 | $751.31 | $845.97 | $1,182.24 | $1,796.53 |
| Lynn County | $661.95 | $751.31 | $845.97 | $1,182.24 | $1,796.53 |
| Terry County | $661.95 | $751.31 | $845.97 | $1,182.24 | $1,796.53 |
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.