CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care)
Starting at
$528
/month before subsidy
CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) is a 2026 Gold HMO health insurance plan from CHRISTUS Health Plan, sold on the ACA Marketplace in Texas under plan ID 66252TX0380016. The monthly premium starts at $528 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,750 ($7,500 for a family), and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 66252TX0380016
- Plan year
- 2026
- State
- Texas
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$3,750
Family: $7,500
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
30%
You pay after deductible
Network Type
HMO
TXN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$5,210
your estimated cost
- Deductible
- $3,750
- Copays
- $1,400
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,820
your estimated cost
- Deductible
- $800
- Copays
- $1,000
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,300
your estimated cost
- Deductible
- $2,000
- Copays
- $300
- Coinsurance
- $0
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
$1,295/month
Annual Premium
$6,336
OOP Maximum
$9,200
💡 What this means:
With a $3,750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from CHRISTUS Health Plan in Texas
- CHRISTUS Catastrophic (3 Free PCP visits)from $320/mo
- CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)from $391/mo
- CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)from $402/mo
- CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)from $391/mo
- CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care)from $402/mo
- CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care)from $386/mo
- CHRISTUS Value Bronze (3 Free PCP Visits, $0 Virtual Urgent Care)from $379/mo
- CHRISTUS Value Bronze + Dental & Vision (3 Free PCP Visits, $0 Virtual Urgent Care)from $391/mo
Frequently asked questions about CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care)
How much does CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) cost per month?
CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) from CHRISTUS Health Plan starts at $528 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 CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care)?
The individual medical deductible is $3,750, and the family deductible is $7,500. 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 CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care)?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) HSA-eligible?
No. CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent 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 CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) use?
CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent 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.