Wellpoint Health Plans - Texas
Ready to shop Individual and Family health plans with Wellpoint?
Whether you’re looking for individual or family health insurance, Wellpoint has affordable plans to keep everyone covered. Plus, financial help may be available to help lower the cost of your Wellpoint plan.
Wellpoint is a health-insurance provider dedicated to “whole-person health,” meaning they believe well-being isn’t just about doctor visits; but also about emotional, social, and community support. They offer a variety of coverage options including Medicaid, Medicare, and Affordable-Care-Act-based Individual & Family plans, depending on your state. Wellpoint emphasizes supportive, holistic care: preventive care, mental health services, social supports such as housing and transportation assistance, and other benefits aimed at improving overall quality of life. The organization has served communities for over 30 years and works through a large network of providers, aiming to meet people where they are and help them live healthy, stable lives.
Discover Wellpoint health insurance plan benefits
$0 Preventive care - Screenings, immunizations, and other services at no cost
Virtual care - Easy access to online doctor visits, often at no cost to you
Mental Healthcare - In-person or virtual support from mental health professionals
Dental and Vision Coverage - Dental exams, cleanings, and X-rays. Eye exams, and glasses or contacts allowance
Prescription Drug Coverage - Includes pharmacy pick-up, and home delivery for select drugs
Money-Saving Offers - Discounts on health-related products such as contact lenses and gym memberships
What makes Wellpoint health plans different
Wellpoints trusted care providers and tools make it easy for you to access and manage your care.
Care choices
Access to quality, trusted medical health professionals and hospitals in your plan.
Pharmacy support
A wide range of pharmacies, 24/7 access to experts, and home delivery for select drugs.
24/7 NurseLine
Help with health concerns from a registered nurse, day or night.
Sydney℠ Health app
Mobile app that helps you find care, access ID cards, and chat with live agents. You can also make a payment, refill prescriptions, and schedule a virtual care visit.
Download app on Android / Google Play here
Coverage Map (updated 2025)
Which Marketplace insurance plan is right for you?
Bronze Plans
- Lowest monthly payment
- Highest deductible
- Best for healthy individuals or couples with basic health needs
- Coverage for preventive care and medical emergencies
Silver Plans
- Moderate monthly payment
- Lower deductible
- Best for individuals or families who want lower out-of-pocket care costs
- Extra savings if you qualify for cost-sharing reductions
Gold Plans
- Highest monthly payment
- Lowest deductible
- Best for individuals and families with ongoing healthcare needs
- More predictable out-of-pocket costs for frequent care
See the toggles below for plan comparisons for each metal tier.
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Wellpoint Coverage Map
Wellpoint Essential Bronze Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) | Download Here | $10,600 / $21,200 | $10,600 / $21,200 | PCP: $40/visit for first 3 visits then 0%; Specialist: 0% | 0% coinsurance | 0% coinsurance | 0% coinsurance |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) | Download Here | $4,000 / $8,000 | $8,450 / $16,900 | PCP: 40%; Specialist: 40% | 40% coinsurance | 20% coinsurance | 50% coinsurance |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $6,000 / $12,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: 50% | $50/visit (no deductible) | $35/prescription (no deductible) | 60% coinsurance |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $7,500 / $15,000 | $10,000 / $20,000 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $75/visit (no deductible) | $25 retail / $75 home delivery | $500/prescription |
Wellpoint Essential Bronze POS Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $4,500 / $9,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $50/visit (no deductible) | $20 retail / $60 home delivery | 50% coinsurance |
| Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $5,500 / $11,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: 50% | $50/visit (no deductible) | $35/prescription (no deductible) | 60% coinsurance |
| Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + $ Incentives) | Download Here | $7,500 / $15,000 | $10,000 / $20,000 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $75/visit (no deductible) | $25 retail / $75 home delivery | $500/prescription |
Wellpoint Essential Silver Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Silver 1850 (+ Incentives) | Download Here | $1,850 / $3,700 | $8,900 / $17,800 | PCP: $35/visit; Specialist: $70/visit (deductible does not apply) | $60/visit (deductible does not apply) | $20 retail / $60 home delivery (deductible does not apply) | $350/prescription |
| Wellpoint Essential Silver 3500 (+ Incentives) | Download Here | $3,500 / $7,000 | $8,900 / $17,800 | PCP: $40/visit; Specialist: $80/visit (deductible does not apply) | $60/visit (deductible does not apply) | $20 retail / $60 home delivery (deductible does not apply) | $350/prescription |
| Wellpoint Essential Silver 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $6,000 / $12,000 | $8,900 / $17,800 | PCP: $40/visit; Specialist: $80/visit (deductible does not apply) | $60/visit (deductible does not apply) | $20 retail / $60 home delivery (deductible does not apply) | $350/prescription |
Wellpoint Essential Silver POS Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Silver POS 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $2,500 / $5,000 | $9,900 / $19,800 | PCP: $20/visit (no deductible); Specialist: $75/visit (no deductible) | $50/visit (no deductible) | $15 retail / $45 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $4,000 / $8,000 | $9,550 / $19,100 | PCP: $25/visit (no deductible); Specialist: $70/visit (no deductible) | $50/visit (no deductible) | $10 retail / $30 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Silver POS 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Download Here | $6,000 / $12,000 | $8,900 / $17,800 | PCP: $40/visit (no deductible); Specialist: $80/visit (no deductible) | $60/visit (no deductible) | $20 retail / $60 home delivery (no deductible) | $350/prescription |
Wellpoint Essential Gold Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind / Fam) | Out-of-Pocket Max (Ind / Fam) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Gold 800 | Download Here | $800 / $1,600 | $9,000 / $18,000 | $10 / $45 | $50 | $5 | 50% |
| Wellpoint Essential Gold 2000 Standard | Download Here | $2,000 / $4,000 | $8,200 / $16,400 | $30 / $60 | $45 | $15 | $250 |
| Wellpoint Essential Gold 1500 | Download Here | $1,500 / $3,000 | $5,000 / $10,000 | $45 / 40% | $60 | $10 | 50% |
Wellpoint Essential Gold POS Plans
| Plan Name | Downloadable Plan PDF | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|---|
| Wellpoint Essential Gold POS 700 | Download Here | $700 / $1,400 | $7,500 / $15,000 | PCP: $20 (no deductible); Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Gold POS 1000 | Download Here | $1,000 / $2,000 | $8,700 / $17,400 | PCP: $20 (no deductible); Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Gold POS 2000 Standard | Download Here | $2,000 / $4,000 | $8,700 / $17,400 | PCP: $20 (no deductible); Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery (no deductible) | $250/prescription |
ALL Wellpoint Plans Comparison Table
| Plan Name | Deductible (Ind/Family) | OOP Max (Ind/Family) | PCP / Specialist | Urgent Care | Generic Rx | Preferred Specialty Rx |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) | $10,600 / $21,200 | $10,600 / $21,200 | PCP: $40 for first 3 visits, then 0%; Specialist: 0% | 0% coinsurance | 0% coinsurance | 0% coinsurance |
| Wellpoint Essential Bronze 4000 HSA (+ Incentives) | $4,000 / $8,000 | $8,450 / $16,900 | PCP: 40%; Specialist: 40% | 40% coinsurance | 20% coinsurance | 50% coinsurance |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | $6,000 / $12,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: 50% | $50/visit (no deductible) | $35/prescription (no deductible) | 60% coinsurance |
| Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | $7,500 / $15,000 | $10,000 / $20,000 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $75/visit (no deductible) | $25 retail / $75 home delivery | $500/prescription |
| Wellpoint Essential Bronze POS 4500 | $4,500 / $9,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $50/visit (no deductible) | $20 retail / $60 home delivery | 50% coinsurance |
| Wellpoint Essential Bronze POS 5500 | $5,500 / $11,000 | $10,600 / $21,200 | PCP: $50 (no deductible); Specialist: 50% | $50/visit (no deductible) | $35/prescription (no deductible) | 60% coinsurance |
| Wellpoint Essential Bronze POS 7500 Standard | $7,500 / $15,000 | $10,000 / $20,000 | PCP: $50 (no deductible); Specialist: $100 (no deductible) | $75/visit (no deductible) | $25 retail / $75 home delivery | $500/prescription |
| Wellpoint Essential Silver 1850 (+ Incentives) | $1,850 / $3,700 | $8,900 / $17,800 | PCP: $35; Specialist: $70 (no deductible) | $60/visit (no deductible) | $20 retail / $60 home delivery | $350/prescription |
| Wellpoint Essential Silver 3500 (+ Incentives) | $3,500 / $7,000 | $8,900 / $17,800 | PCP: $40; Specialist: $80 (no deductible) | $60/visit (no deductible) | $20 retail / $60 home delivery | $350/prescription |
| Wellpoint Essential Silver 6000 Standard | $6,000 / $12,000 | $8,900 / $17,800 | PCP: $40; Specialist: $80 (no deductible) | $60/visit (no deductible) | $20 retail / $60 home delivery | $350/prescription |
| Wellpoint Essential Silver POS 2500 | $2,500 / $5,000 | $9,900 / $19,800 | PCP: $20; Specialist: $75 (no deductible) | $50/visit (no deductible) | $15 retail / $45 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Silver POS 4000 | $4,000 / $8,000 | $9,550 / $19,100 | PCP: $25; Specialist: $70 (no deductible) | $50/visit (no deductible) | $10 retail / $30 home delivery (no deductible) | 50% coinsurance |
| Wellpoint Essential Silver POS 6000 Standard | $6,000 / $12,000 | $8,900 / $17,800 | PCP: $40; Specialist: $80 (no deductible) | $60/visit (no deductible) | $20 retail / $60 home delivery | $350/prescription |
| Wellpoint Essential Gold 800 | $800 / $1,600 | $9,000 / $18,000 | PCP: $10; Specialist: $45 | $50/visit | $5 | 50% |
| Wellpoint Essential Gold 2000 Standard | $2,000 / $4,000 | $8,200 / $16,400 | PCP: $30; Specialist: $60 | $45/visit | $15 | $250 |
| Wellpoint Essential Gold 1500 | $1,500 / $3,000 | $5,000 / $10,000 | PCP: $45; Specialist: 40% | $60/visit | $10 | 50% |
| Wellpoint Essential Gold POS 700 | $700 / $1,400 | $7,500 / $15,000 | PCP: $20; Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery | 50% |
| Wellpoint Essential Gold POS 1000 | $1,000 / $2,000 | $8,700 / $17,400 | PCP: $20; Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery | 50% |
| Wellpoint Essential Gold POS 2000 Standard | $2,000 / $4,000 | $8,700 / $17,400 | PCP: $20; Specialist: $50 (no deductible) | $50/visit (no deductible) | $5 retail / $20 home delivery | $250 |
Top 2026 Wellpoint plans - details and ratings
Wellpoint (the Elevance company) entered the Texas marketplace for 2025 and expanded to roughly 30 counties for 2026 across DFW, Houston, San Antonio, El Paso, the Rio Grande Valley, Lubbock, and Beaumont. Its designs lean on $0 virtual primary care and incentive programs. Representative 2026 plans; cost sharing varies by county - confirm at quote.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
Wellpoint Essential Bronze 4000 HSAHSA-Eligible
HSA-qualified bronze with incentive programs.
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: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Wellpoint Essential Bronze POS 4500
$0 virtual PCP and $0 select drugs, with POS flexibility.
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: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Wellpoint Essential Silver POS 2500
Low-deductible silver with the virtual-first extras.
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: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Wellpoint Essential Silver 6000 Standard
The standardized silver design.
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: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Wellpoint Essential Gold POS 700Rich Gold
A $700-deductible gold with the virtual-first extras.
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: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Public member commentary on Wellpoint in Texas is still limited - your rating above genuinely helps the next shopper.
Wellpoint 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 |
|---|---|---|---|
| 2025 (Wellpoint) | new entrant | n/a | First Texas year |
| 2026 (Wellpoint) | +27.7% / +33.8% | Two product filings | |
| 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.