Christus Health Plans - TEXAS
About Christus
Believing that everyone has the right to quality health insurance, CHRISTUS Health embarked on an effort to expand. CHRISTUS Health Plan began offering Medicare Advantage and Health Insurance Exchange (HIX) plans.
Today Christus offers Medicare Advantage plans in Southeast Texas and Health Insurance Exchange plans in Texas. It’s affordable care that is smart, simple, and there for you when you need it the most.
The goal of Christus is to always put you first by providing access to the best providers, hospitals and clinics. Above all, they are committed to offering a unique healing experience that embodies our values and respects the dignity and worth of each life.
Provider Network - 2026
CHRISTUS HEALTH PLAN TEXAS HEALTH EXCHANGE COVERS MEMBERS IN THE FOLLOWING COUNTIES:
Aransas
Bee
Bowie
Brooks
Caldwell
Cass
Cherokee
Comal
Franklin
Hays*
Hopkins
Jasper
Jefferson
Jim Wells
Karnes
Kenedy
Kleberg
Live Oak
Marion
Morris
Newton
Orange
Rains
Red River
Refugio
San Patricio
Smith
Titus
Tyler
Upshur
Van Zandt
Wood
Good Health Starts With The Right Insurance
You need personal and reliable health insurance. CHRISTUS Health Plan makes that easy with access to our large network of doctors, clinics and hospitals in your community. With multiple health insurance plans, we have options that fit your needs.CHRISTUS Health Plan offers Bronze, Silver and Gold level plans.
| Plan Categories | CHRISTUS Health Plan pays* | You pay* |
|---|---|---|
| Bronze | 60% | 40% |
| Silver | 70% | 30% |
| Silver with extra savings | 73-96% | 6-27% |
| Gold | 80% | 20% |
| Platinum | 90% | 10% |
Christus Catastrophic and Bronze Plans Comparison
Christus Catastrophic and Bronze Plans
Catastrophic plans are designed for people under 30 or those who qualify for a hardship exemption and want the lowest monthly premium possible.
These plans offer essential protection in case of major accidents or serious illness, while keeping upfront costs minimal.
Catastrophic plans are a good fit if you:
✔ want the lowest monthly premium available
✔ rarely need medical care
✔ primarily want coverage for worst-case scenarios
✔ don’t mind a very high deductible before the plan starts paying
✔ still want access to free preventive services and a limited number of free primary care visits
While monthly premiums are lower, these plans come with higher deductibles and out-of-pocket costs compared to Bronze and Silver options. They include all ACA-required essential health benefits and use the CHRISTUS Health Plan HMO network.
Bronze plans offer lower monthly premiums with higher out-of-pocket costs when you need care.
They’re designed for individuals who want essential health coverage at the most affordable monthly rate and are comfortable paying more when using services.
Bronze plans are a strong fit if you:
✔ don’t visit doctors often
✔ want protection in case of serious illness or injury
✔ prefer the lowest premium available
✔ are okay with higher deductibles and copays for services
| Plan Name | Network | Deductible (Ind/Fam) | OOP Max (Ind/Fam) | PCP / Specialist | Urgent Care | Preferred Generic Rx | Generic Rx |
|---|---|---|---|---|---|---|---|
| CHRISTUS Bronze Essential | HMO | $7,450 / $14,900 | $9,850 / $19,700 | $60 / $80 First 2 PCP visits: $0 |
$80 | $0 | $30 |
| CHRISTUS Bronze | HMO | $9,300 / $18,600 | $9,650 / $19,300 | $80 / $110 | $110 | $15 | $40 |
| CHRISTUS Standard Expanded Bronze | HMO | $9,650 / $19,300 | $9,650 / $19,300 | $50 / $75 | $75 | $15 | $40 |
| CHRISTUS Catastrophic | HMO | $10,600 / $21,200 | $10,600 / $21,200 | $0 / $0 First 3 PCP visits: $0 |
$0 | $0 | $0 |
Christus Silver Plans Comparison
Christus Silver Plans
The best value and the most balance between your monthly premium payments and out-of-pocket expenses. Silver Care plans provide the best value and most balance between your monthly premium payments and out-of-pocket costs, especially if you’re eligible for financial assistance. Recommended if you:
- See your primary care physician for preventive care every year
- Don’t anticipate any major ongoing medical needs
- Want a monthly premium that fit most budgets
- Want Out-of-pocket expenses that fit most budgets
| Plan Name | Network | Deductible (Ind/Fam) | Out of Pocket Max (Ind/Fam) | Primary Care / Specialist | Urgent Care Visit | Preferred Generic Rx | Generic Rx |
|---|---|---|---|---|---|---|---|
| CHRISTUS Standard Silver 70 | HMO | $6,000 / $12,000 | $8,900 / $17,800 | $40 / $80 | $60 | $20 | $20 |
| CHRISTUS Silver Essential 70 | HMO | $6,900 / $13,800 | $9,300 / $18,600 | $5 / $50 | $50 | $0 | $10 |
| CHRISTUS Value Silver 70 | HMO | $5,990 / $11,980 | $5,990 / $11,980 | No charge / No charge | No charge | No charge | No charge |
Christus Gold Plans Comparison
Christus Gold Plans
Peace of mind for all your healthcare needs. You'll have peace of mind for all your healthcare needs with Gold Care. Expect higher monthly premium payments to help limit your out-of-pocket costs later. Recommended if you:
- Will use coverage often
- Have an ongoing medical condition that needs treatment
- Want additional security and peace of mind
- Don't mind higher monthly premiums
- Want lower out-of-pocket costs
| Plan Name | Network | Deductible (Ind/Fam) | Out of Pocket Max (Ind/Fam) | Primary Care / Specialist | Urgent Care Visit | Preferred Generic Rx | Generic Rx |
|---|---|---|---|---|---|---|---|
| CHRISTUS Gold Essential | HMO | $3,750 / $7,500 | $9,200 / $18,400 | $5 / $35 | $35 | No charge | $10 |
| CHRISTUS Gold + Fitness | HMO | $1,050 / $2,100 | $8,700 / $17,400 | $20 / $40 | $40 | $5 | $20 |
| CHRISTUS Standard Gold | HMO | $2,000 / $4,000 | $8,200 / $16,400 | $30 / $60 | $45 | $15 | $15 |
2026 Christus Health Plans for Texas
Christus Health Plan is a regional HMO carrier serving East Texas (Tyler, Longview, Beaumont) and Central Texas (Waco, Bryan-College Station, Lufkin). Below are the four most popular individual ACA Marketplace plans for the 2026 plan year, ranked by enrollment volume across the Christus service area.
Christus US Texas HMO Silver
Best for subsidized buyers in East and Central Texas
MOST POPULAR
| Plan Type | HMO |
| Network | Christus East / Central Texas |
| Deductible (Ind / Fam) | $3,500 / $7,000 |
| Out-of-Pocket Max | $8,500 / $17,000 |
| Primary Care Visit | $35 copay |
| Specialist Visit | $75 copay |
| Generic Prescription | $15 copay |
| HSA-Eligible | No |
Christus's mid-tier Silver HMO is the most-enrolled plan family on the ACA Marketplace for East Texas. Silver-level Cost-Sharing Reduction (CSR) subsidies often drop the effective deductible to $0-$1,500 for households earning under 250% of federal poverty level. Strong fit for buyers in Tyler, Longview, Beaumont, Waco, and Bryan-College Station.
Christus US Texas HMO Bronze
Lowest monthly premium with high deductibles for catastrophic coverage
LOWEST PREMIUM
| Plan Type | HMO |
| Network | Christus East / Central Texas |
| Deductible (Ind / Fam) | $7,000 / $14,000 |
| Out-of-Pocket Max | $9,200 / $18,400 |
| Primary Care Visit | 50% after deductible |
| Specialist Visit | 50% after deductible |
| Generic Prescription | $20 copay (some preventive) |
| HSA-Eligible | No |
For healthy buyers in the Christus service area who want monthly premium savings and primarily need protection against major medical events. Lower premium offset by significant out-of-pocket exposure for routine care. Best when paired with a separate dental + vision plan and budgeted catastrophic savings.
Christus US Texas HMO Gold
Lower deductibles and copays for heavy healthcare users
LOWER OUT-OF-POCKET
| Plan Type | HMO |
| Network | Christus East / Central Texas |
| Deductible (Ind / Fam) | $1,500 / $3,000 |
| Out-of-Pocket Max | $6,500 / $13,000 |
| Primary Care Visit | $25 copay |
| Specialist Visit | $50 copay |
| Generic Prescription | $10 copay |
| HSA-Eligible | No |
Ideal for households with predictable healthcare needs - managing chronic conditions, ongoing prescriptions, frequent specialist visits, or planning a procedure. Higher monthly premium pays off through dramatically lower deductibles and copays vs. Bronze and Silver tiers.
Christus US Texas HSA Bronze
HSA-qualified high-deductible plan for tax-advantaged savings
HSA ELIGIBLE
| Plan Type | HMO |
| Network | Christus East / Central Texas |
| Deductible (Ind / Fam) | $6,000 / $12,000 |
| Out-of-Pocket Max | $7,500 / $15,000 |
| Primary Care Visit | Subject to deductible |
| Specialist Visit | Subject to deductible |
| Generic Prescription | Subject to deductible (free preventive) |
| HSA-Eligible | Yes - IRS-qualified HDHP |
For buyers who want to pair health coverage with a Health Savings Account for triple tax advantages (deductible contributions, tax-free growth, tax-free withdrawals for medical expenses). 2026 HSA contribution limits: $4,300 individual / $8,550 family. Best for self-employed and high-income households in the Christus service area.
Christus Hospital Network at a Glance
Christus Health Plan members get in-network access to the Christus Health hospital system, which includes:
- Christus Mother Frances Hospital - Tyler - flagship East Texas medical center
- Christus St. Michael Health System - Texarkana - Northeast TX coverage
- Christus Spohn Health System - Corpus Christi - Coastal Bend
- Christus Trinity Mother Frances - Tyler / Longview / Athens - multispecialty network
- Christus Good Shepherd Medical Center - Longview
- Christus Hospital - St. Elizabeth - Beaumont
- Christus Trinity Clinic - Waco / Bryan-College Station - Central TX
Out-of-network coverage: Limited. Emergency care covered nationwide; non-emergency care outside the Christus network typically not covered. If you travel frequently or have family across Texas metros, a PPO with multi-state networks (BCBSTX Blue Choice PPO, Cigna PPO) may serve you better.
Get a Christus Quote in Under 10 Minutes
Licensed Texas agent will walk you through Christus rates by metal level, subsidy eligibility, and provider network coverage for your ZIP code.
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Christus Coverage Map
Top 2026 CHRISTUS plans - details and ratings
CHRISTUS Health Plan is the hospital-system HMO of East and Central Texas - Tyler, Longview, Beaumont, Waco, Bryan-College Station, and Lufkin - often price-competitive in its regions, with a 3.0-star CMS quality rating and most plans bundling dental and vision. It does not sell in DFW, Houston, San Antonio, or Austin. Cost sharing varies by plan and county - confirm at quote.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
CHRISTUS Bronze + Dental & VisionBundled
Budget bronze with dental and vision included.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.0 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
CHRISTUS Bronze Essential + Dental & Vision
The lowest-premium lane.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.0 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
CHRISTUS Value Silver 70
The value silver design.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.0 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
CHRISTUS Standard Silver 70 + Dental & Vision
Standardized silver with the dental-vision bundle.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.0 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
CHRISTUS Gold + Dental & Vision + Fitness
Top of the lineup, with a fitness benefit added.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.0 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Consumer-review sentiment on CHRISTUS skews negative (billing errors, long holds, narrow network) against a solid 3.0-star quality score - a genuinely mixed picture. Your rating above helps clarify it.
CHRISTUS rate filing history
Texas does not publish a clean requested-vs-approved table per carrier, so this table combines this carrier’s known filed figures with statewide averages:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2018-2025 (CHRISTUS) | not published | not published | TDI does not publish clean per-carrier figures |
| 2027 (CHRISTUS) | confirm | pending | Continuation being confirmed |
| 2023 (statewide) | +8.8% | +4.9% | After Bright and Friday exits |
| 2024 (statewide) | +4.2% | Semi-weighted final | |
| 2026 (statewide) | +31.1% | +34.7% | Final; enhanced-subsidy expiration |
| 2027 (statewide) | +14.1% | pending | Final expected ~Oct 2026 |
Sources: Texas Department of Insurance filings, ratereview.healthcare.gov, and ACA Signups Texas tables. Texas does not publish clean per-carrier approved figures for most years, so statewide averages are shown where carrier detail is unavailable. Figures are market averages, not your personal premium.