Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care
Starting at
$571
/month before subsidy
Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care is a 2026 Gold HMO health insurance plan from Harbor Health, sold on the ACA Marketplace in Texas under plan ID 37758TX0010001. The monthly premium starts at $571 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 37758TX0010001
- Plan year
- 2026
- State
- Texas
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
50%
You pay after deductible
Network Type
HMO
TXN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,570
your estimated cost
- Deductible
- $0
- Copays
- $10
- Coinsurance
- $4,500
Managing type 2 diabetes
A year of routine care
$1,000
your estimated cost
- Deductible
- $0
- Copays
- $900
- Coinsurance
- $100
A simple fracture
ER visit + follow-up
$1,410
your estimated cost
- Deductible
- $0
- Copays
- $10
- Coinsurance
- $1,400
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,417/month
Annual Premium
$6,852
OOP Maximum
$10,150
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Harbor Health in Texas
Frequently asked questions about Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care
How much does Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care cost per month?
Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care from Harbor Health starts at $571 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 Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care?
The individual medical deductible is $0. 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 Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care HSA-eligible?
No. Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care use?
Harbor Health G0 $0 Deductible $0 PCP $0 Mental Health Office Visit $0 Express Care 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.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
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.