Community First Mercado Plan

Health Coverage with Simple Costs

Community First Mercado Plan makes it easier to understand what you’ll pay for health care. Most of our Mercado plans use fixed copays instead of a deductible or coinsurance, helping you avoid unexpected costs.

Why Choose A Mercado Plan?

With most Community First Mercado plans, you’ll pay a fixed copay for many covered services. This can make it easier to plan for health care costs. Mercado plans are available in Bronze, Silver, and Gold levels. The level you choose refers to how you and Community First share the cost of care.

A Mercado Plan may be a good choice if you:

Want straightforward and predictable costs
Like paying a set copay for services
Want a plan without a deductible (Silver and Gold)
Use health care services often

Mercado Plan Highlights

Silver and Gold Mercado plans have no deductible. This means we start paying our share for covered services right away and you typically pay only your copay
Most covered services have fixed copays
Your share of costs is easier to predict
Access to Community First’s provider network which includes one of the largest primary care and multi-specialty provider groups in South Texas
Local support from our award-winning Member Services team

Mercado Bronze Plan

The Mercado Bronze plan is different from Silver and Gold. Choose a Bronze plan if you want to keep your monthly costs low, don’t expect to need medical care often, but still have coverage when you need it. The Mercado Bronze plan may include:

Lower monthly payment (premium)
Deductible
Copays and coinsurance
Higher costs when you use your coverage

Understanding Plan Levels

Bronze

Lower monthly payment, but you pay more when you receive care.
On average, Community First pays 60%. You pay 40%.

Silver

An even balance of monthly premiums and out-of-pocket costs.
On average, Community First pays 70%. You pay 30%.

Gold

Higher monthly payment, but lower costs when you receive care.
On average, Community First pays 80%. You pay 20%.

Before You Enroll

Every plan is different. Monthly premiums, deductibles, copays, and coinsurance can vary by plan. Be sure to review the plan details before choosing the coverage that is right for you and your family.

See 2027 Plan Documents Enroll Now