Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible
Starting at
$666
/month before subsidy
Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible is a 2026 Silver HMO health insurance plan from Sendero Health Plans, Local Nonprofit, sold on the ACA Marketplace in Texas under plan ID 71837TX0010022. The monthly premium starts at $666 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 $9,200 ($18,400 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 71837TX0010022
- Plan year
- 2026
- State
- Texas
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,200
Family: $18,400
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
$4,200
your estimated cost
- Deductible
- $0
- Copays
- $3,900
- Coinsurance
- $300
Managing type 2 diabetes
A year of routine care
$1,700
your estimated cost
- Deductible
- $0
- Copays
- $1,700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,050
your estimated cost
- Deductible
- $0
- Copays
- $2,000
- Coinsurance
- $50
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,433/month
Annual Premium
$7,992
OOP Maximum
$9,200
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $9,200 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 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
- Sendero Health Real Gold / $350 Deductiblefrom $587/mo
Frequently asked questions about Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible
How much does Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible cost per month?
Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible from Sendero Health Plans, Local Nonprofit starts at $666 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 Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible?
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 Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible?
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 Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible HSA-eligible?
No. Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 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 Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 Deductible use?
Sendero Health Austin512 Silver / $40 PCP / $75 Specialist / $15 Generic Drugs / $0 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.