BSW Diabetes Care Gold HMO 014
Starting at
$613
/month before subsidy
BSW Diabetes Care Gold HMO 014 is a 2026 Gold HMO health insurance plan from Baylor Scott and White Health Plan, sold on the ACA Marketplace in Texas under plan ID 40788TX0460014. The monthly premium starts at $613 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,700 ($3,400 for a family), and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 40788TX0460014
- Plan year
- 2026
- State
- Texas
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,700
Family: $3,400
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
25%
You pay after deductible
Network Type
HMO
TXN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,560
your estimated cost
- Deductible
- $1,700
- Copays
- $2,500
- Coinsurance
- $300
Managing type 2 diabetes
A year of routine care
$1,420
your estimated cost
- Deductible
- $900
- Copays
- $500
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,830
your estimated cost
- Deductible
- $1,700
- Copays
- $40
- Coinsurance
- $90
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
$1,459/month
Annual Premium
$7,356
OOP Maximum
$10,150
💡 What this means:
With a $1,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Baylor Scott and White Health Plan in Texas
- BSW Savers Bronze HMO H S A 006from $352/mo
- BSW Savers Bronze HMO H S A 007 (CMS Standardized Plan with $0 Pediatric PCP copay)from $358/mo
- BSW Savers Bronze HMO H S A 009from $362/mo
- BSW Prime Silver HMO 003 (CMS Standardized Plan with $0 Pediatric PCP copay)from $563/mo
- BSW Prime Silver HMO 008from $564/mo
- BSW Prime Silver HMO 005from $564/mo
- BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay)from $470/mo
- BSW Elite Gold HMO 004from $470/mo
Frequently asked questions about BSW Diabetes Care Gold HMO 014
How much does BSW Diabetes Care Gold HMO 014 cost per month?
BSW Diabetes Care Gold HMO 014 from Baylor Scott and White Health Plan starts at $613 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 BSW Diabetes Care Gold HMO 014?
The individual medical deductible is $1,700, and the family deductible is $3,400. 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 BSW Diabetes Care Gold HMO 014?
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 BSW Diabetes Care Gold HMO 014 HSA-eligible?
No. BSW Diabetes Care Gold HMO 014 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 BSW Diabetes Care Gold HMO 014 use?
BSW Diabetes Care Gold HMO 014 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.