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Expanded_bronzeHMOHSA Eligible

Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)

Community Health Choice

Starting at

$411

/month before subsidy

Key facts

Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) is a 2026 Expanded_bronze HMO health insurance plan from Community Health Choice, sold on the ACA Marketplace in Texas under plan ID 11718TX0140018. The monthly premium starts at $411 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,500 ($15,000 for a family), and the individual out-of-pocket maximum is $10,000 ($20,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
11718TX0140018
Plan year
2026
State
Texas
Metal level
Expanded_bronze
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$7,500

Family: $15,000

Out-of-Pocket Max

$10,000

Family: $20,000

Coinsurance

50%

You pay after deductible

Network Type

HMO

TXN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$50.00
Specialist Visit$100.00
Urgent Care$75.00
Emergency Room50.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$25.00
Brand Name Drugs$100.00 Copay after deductible
Specialty Drugs$500.00 Copay after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,060

your estimated cost

Deductible
$7,500
Copays
$0
Coinsurance
$2,500

Managing type 2 diabetes

A year of routine care

$4,720

your estimated cost

Deductible
$4,000
Copays
$700
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,600

your estimated cost

Deductible
$2,100
Copays
$500
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by Community Health Choice. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

Review the plan details above to determine if this plan fits your healthcare needs and budget.

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,244/month

Annual Premium

$4,932

OOP Maximum

$10,000

💡 What this means:

With a $7,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,000 total. Then insurance covers everything else for the year.

More plans from Community Health Choice in Texas

View all Marketplace plans in Texas

Frequently asked questions about Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)

How much does Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) cost per month?

Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) from Community Health Choice starts at $411 per month before any subsidy in Texas. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)?

The individual medical deductible is $7,500, and the family deductible is $15,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options)?

The most you would pay in a year for covered in-network care is $10,000 for an individual and $20,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) HSA-eligible?

Yes. Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) use?

Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

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Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.