University Community Care Plan by Community First - Gold Plan
Starting at
$559
/month before subsidy
University Community Care Plan by Community First - Gold Plan is a 2026 Gold EPO health insurance plan from Community First, sold on the ACA Marketplace in Texas under plan ID 63251TX0010001. The monthly premium starts at $559 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 $7,250 ($14,500 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 63251TX0010001
- Plan year
- 2026
- State
- Texas
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$7,250
Family: $14,500
Coinsurance
30%
You pay after deductible
Network Type
EPO
TXN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$1,900
your estimated cost
- Deductible
- $0
- Copays
- $1,900
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,500
your estimated cost
- Deductible
- $0
- Copays
- $1,500
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,600
your estimated cost
- Deductible
- $0
- Copays
- $1,600
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Gold EPO 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
$1,163/month
Annual Premium
$6,708
OOP Maximum
$7,250
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,250 total. Then insurance covers everything else for the year.
More plans from Community First in Texas
Frequently asked questions about University Community Care Plan by Community First - Gold Plan
How much does University Community Care Plan by Community First - Gold Plan cost per month?
University Community Care Plan by Community First - Gold Plan from Community First starts at $559 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 University Community Care Plan by Community First - Gold Plan?
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 University Community Care Plan by Community First - Gold Plan?
The most you would pay in a year for covered in-network care is $7,250 for an individual and $14,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is University Community Care Plan by Community First - Gold Plan HSA-eligible?
No. University Community Care Plan by Community First - Gold Plan 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 University Community Care Plan by Community First - Gold Plan use?
University Community Care Plan by Community First - Gold Plan is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.