CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care)
Gold · HMO · CHRISTUS Health Plan · Texas
At age 40 it costs between $514.17 and $597.14 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 | 66252TX0380014 |
|---|---|
| Insurer | CHRISTUS Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $3,750 |
| Deductible (family) | $7,500 |
| Drug deductible | $0 |
| Most you could pay in a year | $9,200 |
| Family maximum | $18,400 |
| Primary care visit | $5 |
| Specialist visit | $35 |
| Emergency room | $950 Copay after deductible |
| Inpatient stay | $950 Copay per Stay after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $50 |
| Specialty drugs | 45% |
| 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 | 1-844-282-3025 · TTY 1-800-676-3777 |
Where it is sold, and what it costs there
38 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 |
|---|---|---|---|---|---|
| Brooks County | $402.32 | $456.64 | $514.17 | $718.55 | $1,091.90 |
| Caldwell County | $403.73 | $458.23 | $515.97 | $721.06 | $1,095.72 |
| Hays County | $403.73 | $458.23 | $515.97 | $721.06 | $1,095.72 |
| Comal County | $420.18 | $476.91 | $536.99 | $750.45 | $1,140.38 |
| Guadalupe County | $420.18 | $476.91 | $536.99 | $750.45 | $1,140.38 |
| Gregg County | $420.82 | $477.63 | $537.80 | $751.58 | $1,142.09 |
| Harrison County | $420.82 | $477.63 | $537.80 | $751.58 | $1,142.09 |
| Marion County | $420.82 | $477.63 | $537.80 | $751.58 | $1,142.09 |
| Upshur County | $420.82 | $477.63 | $537.80 | $751.58 | $1,142.09 |
| Hardin County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Jasper County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Jefferson County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Newton County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Orange County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Tyler County | $426.27 | $483.82 | $544.77 | $761.32 | $1,156.89 |
| Anderson County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Cherokee County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Rains County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Smith County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Van Zandt County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Wood County | $445.08 | $505.16 | $568.81 | $794.91 | $1,207.94 |
| Aransas County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Bee County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Jim Wells County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Kleberg County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Live Oak County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Nueces County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Refugio County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| San Patricio County | $447.50 | $507.91 | $571.90 | $799.23 | $1,214.51 |
| Kenedy County | $454.76 | $516.16 | $581.19 | $812.21 | $1,234.23 |
| Bowie County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Cass County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Franklin County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Hopkins County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Morris County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Red River County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Titus County | $467.10 | $530.15 | $596.95 | $834.23 | $1,267.70 |
| Karnes County | $467.25 | $530.33 | $597.14 | $834.50 | $1,268.11 |
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.