ACA marketplace plans in Payne County, Oklahoma (2026)
Payne County, Oklahoma has 62 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $299 to $1,177 and a benchmark (second-lowest-cost silver) plan at $592 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $429.55 | $548.97 | $1,165.81 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 202 | Bronze | $449.99 | $575.09 | $1,221.27 | $6,800 | $10,600 |
| CommunityCare | CommunityCare Catastrophic | Catastrophic | $233.99 | $299.03 | $635.04 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Security PPO℠ 200 | Catastrophic | $643.06 | $821.83 | $1,745.26 | $10,600 | $10,600 |
| Ambetter of Oklahoma | Everyday Bronze | Expanded Bronze | $366.75 | $468.69 | $995.32 | $8,450 | $10,150 |
| Ambetter of Oklahoma | Standard Expanded Bronze | Expanded Bronze | $366.99 | $469.00 | $995.97 | $7,500 | $10,000 |
| CommunityCare | CommunityCare Expanded Bronze Standardized | Expanded Bronze | $379.25 | $484.69 | $1,029.30 | $7,500 | $10,000 |
| Ambetter of Oklahoma | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $382.36 | $488.65 | $1,037.71 | $8,450 | $10,150 |
| Ambetter of Oklahoma | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $382.62 | $488.97 | $1,038.39 | $7,500 | $10,000 |
| CommunityCare | CommunityCare Bronze IH223 | Expanded Bronze | $385.53 | $492.70 | $1,046.32 | $5,000 | $7,500 |
| CommunityCare | CommunityCare Bronze IH224 | Expanded Bronze | $387.36 | $495.05 | $1,051.30 | $7,150 | $7,150 |
| Ambetter of Oklahoma | Elite Bronze | Expanded Bronze | $423.57 | $541.31 | $1,149.54 | $0 | $10,500 |
| Ambetter of Oklahoma | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $441.61 | $564.36 | $1,198.50 | $0 | $10,500 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $445.20 | $568.97 | $1,208.27 | $7,500 | $10,000 |
| Mending Health | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | Expanded Bronze | $455.44 | $582.05 | $1,236.06 | $4,950 | $10,150 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | $464.20 | $593.24 | $1,259.83 | $7,500 | $10,000 |
| Mending Health | MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) | Expanded Bronze | $464.43 | $593.54 | $1,260.45 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $468.20 | $598.36 | $1,270.69 | $0 | $10,600 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ Standard | Expanded Bronze | $478.00 | $610.88 | $1,297.29 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 203 | Expanded Bronze | $513.32 | $656.02 | $1,393.15 | $4,500 | $8,300 |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Bronze PPO℠ Standard | Expanded Bronze | $698.36 | $892.50 | $1,895.35 | $7,500 | $10,000 |
| CommunityCare | CommunityCare Gold L21 | Gold | $496.88 | $635.02 | $1,348.54 | $3,800 | $7,500 |
| CommunityCare | CommunityCare Gold Standardized | Gold | $497.28 | $635.53 | $1,349.63 | $2,000 | $8,200 |
| Ambetter of Oklahoma | Standard Gold | Gold | $497.98 | $636.40 | $1,351.48 | $2,000 | $8,200 |
| CommunityCare | CommunityCare Gold IH221 | Gold | $499.95 | $638.94 | $1,356.87 | $1,100 | $8,500 |
| Ambetter of Oklahoma | Everyday Gold | Gold | $506.73 | $647.59 | $1,375.23 | $800 | $7,250 |
| Ambetter of Oklahoma | Standard Gold + Vision + Adult Dental | Gold | $519.19 | $663.51 | $1,409.04 | $2,000 | $8,200 |
| Ambetter of Oklahoma | Everyday Gold + Vision + Adult Dental | Gold | $528.31 | $675.17 | $1,433.80 | $800 | $7,250 |
| Ambetter of Oklahoma | Elite Gold | Gold | $573.34 | $732.71 | $1,556.01 | $0 | $6,500 |
| Mending Health | MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) | Gold | $580.80 | $742.26 | $1,576.29 | $0 | $8,800 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ 309 | Gold | $590.70 | $754.91 | $1,603.16 | $1,050 | $10,600 |
| Ambetter of Oklahoma | Elite Gold + Vision + Adult Dental | Gold | $597.76 | $763.92 | $1,622.28 | $0 | $6,500 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ 604 | Gold | $607.34 | $776.18 | $1,648.32 | $1,100 | $8,600 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $610.25 | $779.90 | $1,656.22 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | $616.40 | $787.76 | $1,672.92 | $2,000 | $7,000 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ Standard | Gold | $628.56 | $803.30 | $1,705.91 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | $635.40 | $812.04 | $1,724.48 | $2,000 | $7,000 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | $644.22 | $823.31 | $1,748.40 | $0 | $7,000 |
| Mending Health | MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) | Gold | $656.79 | $839.38 | $1,782.53 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Gold PPO℠ Standard | Gold | $894.36 | $1,142.99 | $2,427.29 | $2,000 | $8,200 |
| Ambetter of Oklahoma | Standard Silver | Silver | $457.99 | $585.29 | $1,242.95 | $6,000 | $8,900 |
| Ambetter of Oklahoma | Focused Silver | Silver | $463.47 | $592.30 | $1,257.82 | $6,300 | $8,400 |
| Ambetter of Oklahoma | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | $471.74 | $602.87 | $1,280.28 | $5,900 | $8,150 |
| Ambetter of Oklahoma | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $472.34 | $603.64 | $1,281.90 | $5,000 | $8,650 |
| Ambetter of Oklahoma | Standard Silver + Vision + Adult Dental | Silver | $477.49 | $610.22 | $1,295.88 | $6,000 | $8,900 |
| Ambetter of Oklahoma | Focused Silver + Vision + Adult Dental | Silver | $483.21 | $617.52 | $1,311.39 | $6,300 | $8,400 |
| Ambetter of Oklahoma | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $491.83 | $628.55 | $1,334.80 | $5,900 | $8,150 |
| Ambetter of Oklahoma | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $492.46 | $629.35 | $1,336.50 | $5,000 | $8,650 |
| CommunityCare | CommunityCare Silver Standardized | Silver | $492.95 | $629.99 | $1,337.86 | $6,000 | $8,900 |
| CommunityCare | CommunityCare Silver SLIH223 | Silver | $497.99 | $636.43 | $1,351.54 | $6,600 | $7,800 |
| CommunityCare | CommunityCare Silver L21 | Silver | $498.68 | $637.31 | $1,353.41 | $7,000 | $7,600 |
| Mending Health | MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) | Silver | $584.80 | $747.37 | $1,587.13 | $2,300 | $10,150 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ 501 | Silver | $607.70 | $776.64 | $1,649.30 | $3,500 | $10,600 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $608.93 | $778.21 | $1,652.63 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | $613.75 | $784.37 | $1,665.71 | $2,900 | $9,500 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | $621.08 | $793.74 | $1,685.61 | $2,600 | $9,200 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | $632.74 | $808.65 | $1,717.27 | $2,900 | $9,500 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ Standard | Silver | $639.83 | $817.70 | $1,736.50 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | $640.08 | $818.02 | $1,737.17 | $2,600 | $9,200 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ 204 | Silver | $643.65 | $822.58 | $1,746.87 | $1,025 | $10,150 |
| Mending Health | MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) | Silver | $661.27 | $845.11 | $1,794.69 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Silver PPO℠ Standard | Silver | $921.04 | $1,177.09 | $2,499.70 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
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 (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.