Texas
Cheapest ACA plans in Pearland, Texas for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Pearland is in Brazoria County, Texas. 6 carriers sell 2026 ACA plans on Healthcare.gov for residents of Brazoria County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $451/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Brazoria County, including Pearland.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Pearland (Brazoria County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Brazoria County |
|---|---|---|
| Expanded Bronze | $451 | 23 |
| Catastrophic | $452 | 2 |
| Bronze | $465 | 2 |
| Gold | $617 | 27 |
| Silver | $649 | 28 |
The actual cheapest Bronze plan in Pearland
Oscar Insurance Company Bronze Simple Breathe Easy with Enhanced COPD Benefits
$451/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Insurance Company Bronze Simple Breathe Easy with Enhanced COPD Benefits at $1,442/month before subsidies.
Carriers selling 2026 plans in Pearland
6 carriers sell 2026 plans on Healthcare.gov for Brazoria County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 115 plans total in Brazoria County.
| Carrier | On-exchange plans |
|---|---|
| Wellpoint | 21 |
| Blue Cross and Blue Shield of Texas | 16 |
| UnitedHealthcare | 15 |
| Oscar | 12 |
| Ambetter | 12 |
| Community Health Choice | 6 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Baylor Scott & White | 1 |
What you'll actually pay in Pearland
Estimated monthly net premium for the cheapest Bronze plan above ($451/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Brazoria Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $567/mo | $0/mo |
| $40,000 | 256% | $377/mo | $74/mo |
| $60,000 | 383% | $166/mo | $285/mo |
| $100,000 | 639% | — | $451/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $2,052/mo | $0/mo |
| $80,000 | 249% | $1,562/mo | $0/mo |
| $130,000 | 404% | — | $1,442/mo |
| $200,000 | 622% | — | $1,442/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Pearland, Texas for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Insurance Company Bronze Simple Breathe Easy with Enhanced COPD Benefits at $451 per month before subsidies. Plans sell through Healthcare.gov. Pearland is in Brazoria County, Texas; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Pearland's 2026 ACA pricing compare to other Texas cities?
Cheapest Bronze for a 40-year-old in Pearland is $451 per month before subsidies. For comparison: Houston at $375/mo; San Antonio at $412/mo; Dallas at $433/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Where do Texans buy ACA plans for 2026?
Texas uses the federal Marketplace at HealthCare.gov. Texas does not run a state-based exchange, so all PY2026 enrollment, subsidy eligibility, and plan changes go through HealthCare.gov. Open Enrollment runs November 1, 2025 through January 15, 2026, with December 15 as the deadline for January 1 coverage.
Does Texas offer any state premium help on top of federal APTC?
No. Texas has no state-funded premium subsidy, cost-sharing assistance program, or state reinsurance program. Texans rely on the federal advance premium tax credit through HealthCare.gov; about 92% of PY2026 Texas enrollees qualify for APTC, averaging roughly $667 per month in federal help.
What happens if my income is below the poverty line in Texas?
Texas has not expanded Medicaid, which creates a coverage gap. Non-disabled childless adults under 65 generally cannot qualify for Texas Medicaid at any income level, and federal Marketplace subsidies on HealthCare.gov only begin at 100% FPL. Roughly 570,000+ Texas adults fall into this gap. Check categorical Medicaid pathways (pregnancy, disability, dependent children), CHIP, and community health-center sliding-scale options.
More Texas pricing
- Statewide Texas pricing and metal tiers
- Houston pricingcheapest Bronze $375/mo
- San Antonio pricingcheapest Bronze $412/mo
- Dallas pricingcheapest Bronze $433/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- CMS: Texas Geographic Rating Areas for the 25 MSAs + 1 non-MSA rating-area structure.
- Texas Department of Insurance: 2026 Health Coverage Guide for official Texas consumer guide and carrier participation list.
- CMS 2026 OEP National Snapshot for enrollment scale (TX ~4.17M, 2nd-largest marketplace).
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.