ACA marketplace plans in Duncan, Oklahoma (2026)
Duncan, Oklahoma (population 22,958, ACS 2020-2024), covering ZIP codes 73533, 73534, 73536 sits in Stephens County, where 28 ACA marketplace plans from 3 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $705 per month for a 40-year-old. 2027 plans for Stephens County are now available.
City stats
- Population: 22,958 (ACS 2020-2024)
- Uninsured rate: 14.3% (ACS 2020-2024, table S2701)
- Median household income: $58,054 (ACS 2020-2024, table B19013)
ZIP codes covered
73533, 73534, 73536
Source: GeoNames US postal 2026-07-22.
Five lowest-cost plans in Stephens County (age 40)
- Medica — Harmony by Medica Bronze $0 Copay PCP Visits · Expanded Bronze · $499.17/mo · deductible $7,500 · MOOP $10,600
- Medica — Harmony by Medica Expanded Bronze Standard · Expanded Bronze · $509.64/mo · deductible $7,500 · MOOP $10,000
- Medica — Harmony by Medica Bronze Premier · Expanded Bronze · $527.03/mo · deductible $2,000 · MOOP $10,600
- Blue Cross and Blue Shield of Oklahoma — Blue Advantage Bronze PPO℠ 202 · Bronze · $575.09/mo · deductible $6,800 · MOOP $10,600
- Mending Health — MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) · Expanded Bronze · $582.05/mo · deductible $4,950 · MOOP $10,150
See the full Stephens County plan table with every issuer, metal tier, and cost-sharing figure →
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-22 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →