Sendero Health Real Gold / $350 Deductible
Starting at
$587
/month before subsidy
Sendero Health Real Gold / $350 Deductible is a 2026 Gold HMO health insurance plan from Sendero Health Plans, Local Nonprofit, sold on the ACA Marketplace in Texas under plan ID 71837TX0010002. The monthly premium starts at $587 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $350 ($700 for a family), and the individual out-of-pocket maximum is $8,750 ($17,500 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 71837TX0010002
- Plan year
- 2026
- State
- Texas
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$350
Family: $700
Out-of-Pocket Max
$8,750
Family: $17,500
Coinsurance
20%
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
$3,490
your estimated cost
- Deductible
- $350
- Copays
- $40
- Coinsurance
- $3,100
Managing type 2 diabetes
A year of routine care
$1,150
your estimated cost
- Deductible
- $350
- Copays
- $500
- Coinsurance
- $300
A simple fracture
ER visit + follow-up
$1,050
your estimated cost
- Deductible
- $350
- Copays
- $200
- Coinsurance
- $500
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
$1,316/month
Annual Premium
$7,044
OOP Maximum
$8,750
💡 What this means:
With a $350 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,750 total. Then insurance covers everything else for the year.
More plans from Sendero Health Plans, Local Nonprofit in Texas
- Sendero Health Preferred Bronze / $25 PCP / $75 Specialist / $22 Generic Drugsfrom $459/mo
- Sendero Health Quality Care Bronze High Deductible / $50 PCP / $25 Generic Drugs / $100 Specialistfrom $433/mo
- Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductiblefrom $666/mo
- Sendero Health Capital Silver / $40 PCP / $80 Specialist / $20 Generic Drugsfrom $608/mo
- Sendero Health Original Silver / $20 PCP + 2 $0 PCP Visits / $10 Generic Drugsfrom $625/mo
- Sendero Health Hill Country Gold / $30 PCP / $60 Specialist / $15 Generic Drugsfrom $577/mo
Frequently asked questions about Sendero Health Real Gold / $350 Deductible
How much does Sendero Health Real Gold / $350 Deductible cost per month?
Sendero Health Real Gold / $350 Deductible from Sendero Health Plans, Local Nonprofit starts at $587 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 Sendero Health Real Gold / $350 Deductible?
The individual medical deductible is $350, and the family deductible is $700. 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 Sendero Health Real Gold / $350 Deductible?
The most you would pay in a year for covered in-network care is $8,750 for an individual and $17,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Sendero Health Real Gold / $350 Deductible HSA-eligible?
No. Sendero Health Real Gold / $350 Deductible 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 Sendero Health Real Gold / $350 Deductible use?
Sendero Health Real Gold / $350 Deductible 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.