2026 plan year · Oklahoma

2026 health insurance plans in Lincoln County, OK

85 Marketplace plans from 6 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.

$568benchmark silver (age 40)
$436cheapest bronze (age 40)
6insurers
+26.7%benchmark change vs. 2025

Bronze plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
UHC Bronze Essential (No Referrals) UnitedHealthcare · HMO	$388	$495	$1,052	$10,600	$10,600	No Charge after Deductible
MyBlue Bronze HMO℠ 902 Blue Cross and Blue Shield of Oklahoma · HMO	$403	$515	$1,094	$10,600	$10,600	No Charge after Deductible
MyBlue Bronze HMO℠ 904 Blue Cross and Blue Shield of Oklahoma · HMO	$435	$556	$1,181	$4,500	$10,150	$50
Blue Advantage Bronze PPO℠ 202 Blue Cross and Blue Shield of Oklahoma · PPO	$477	$610	$1,295	$6,800	$10,600	$50

Expanded Bronze plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Bronze Simple Oscar Insurance Company · PPO	$341	$436	$926	$9,000	$10,600	40% Coinsurance after deductible
Everyday Bronze Ambetter of Oklahoma · PPO	$352	$449	$954	$8,450	$10,150	$40
Standard Expanded Bronze Ambetter of Oklahoma · PPO	$352	$450	$955	$7,500	$10,000	$50
Bronze Classic Standard Oscar Insurance Company · PPO	$357	$456	$968	$7,500	$10,000	$50
Bronze Simple Diabetes Oscar Insurance Company · PPO	$364	$465	$988	$5,500	$10,150	$50
Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · PPO	$366	$468	$993	$5,500	$10,150	$50
Everyday Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO	$367	$469	$995	$8,450	$10,150	$40
Standard Expanded Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO	$367	$469	$996	$7,500	$10,000	$50
Bronze Simple Chronic Care CKM Oscar Insurance Company · PPO	$371	$474	$1,007	$5,500	$10,150	$50
Bronze Elite + PCP Saver Plus Oscar Insurance Company · PPO	$396	$506	$1,074	$0	$10,150	$50
CommunityCare Expanded Bronze Standardized CommunityCare · HMO	$398	$509	$1,081	$7,500	$10,000	$50
UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO	$402	$513	$1,090	$7,500	$10,000	$50
CommunityCare Bronze IH223 CommunityCare · HMO	$405	$517	$1,099	$5,000	$7,500	60% Coinsurance after deductible
Elite Bronze Ambetter of Oklahoma · PPO	$406	$519	$1,102	$0	$10,500	$60
CommunityCare Bronze IH224 CommunityCare · HMO	$407	$520	$1,104	$7,150	$7,150	No Charge after Deductible
UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO	$419	$535	$1,137	$7,500	$10,000	$50
MyBlue Bronze HMO℠ Standard Blue Cross and Blue Shield of Oklahoma · HMO	$422	$539	$1,144	$7,500	$10,000	$50
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO	$423	$540	$1,147	$0	$10,600	$50
Elite Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO	$423	$541	$1,149	$0	$10,500	$60
MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health · HMO	$425	$543	$1,153	$4,950	$10,150	No Charge
MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) Mending Health · HMO	$433	$553	$1,175	$7,500	$10,000	$50
Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$507	$647	$1,375	$7,500	$10,000	$50
Blue Advantage Bronze PPO℠ 203 Blue Cross and Blue Shield of Oklahoma · PPO	$546	$697	$1,481	$4,500	$8,300	40% Coinsurance after deductible
Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$772	$987	$2,095	$7,500	$10,000	$50

Silver plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Standard Silver Ambetter of Oklahoma · PPO	$439	$561	$1,192	$6,000	$8,900	$40
Focused Silver Ambetter of Oklahoma · PPO	$444	$568	$1,206	$6,300	$8,400	$40
Silver Simple PCP Saver Oscar Insurance Company · PPO	$446	$570	$1,211	$5,750	$8,600	$20
Silver Classic Standard Oscar Insurance Company · PPO	$447	$572	$1,214	$6,000	$8,900	$40
Silver Simple Diabetes Oscar Insurance Company · PPO	$450	$575	$1,221	$6,500	$10,000	No Charge
Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · PPO	$452	$577	$1,226	$6,500	$9,600	No Charge
Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of Oklahoma · PPO	$452	$578	$1,228	$5,900	$8,150	$40
Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Oklahoma · PPO	$453	$579	$1,229	$5,000	$8,650	$30
Silver Simple Chronic Care CKM Oscar Insurance Company · PPO	$456	$583	$1,238	$5,900	$10,150	No Charge
Standard Silver + Vision + Adult Dental Ambetter of Oklahoma · PPO	$458	$585	$1,243	$6,000	$8,900	$40
Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company · PPO	$458	$586	$1,244	$6,000	$10,150	No Charge
Silver Elite Saver Plus Oscar Insurance Company · PPO	$462	$590	$1,254	$0	$10,150	$80
Focused Silver + Vision + Adult Dental Ambetter of Oklahoma · PPO	$463	$592	$1,257	$6,300	$8,400	$40
Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma · PPO	$472	$603	$1,280	$5,900	$8,150	$40
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma · PPO	$472	$603	$1,282	$5,000	$8,650	$30
CommunityCare Silver Standardized CommunityCare · HMO	$518	$662	$1,405	$6,000	$8,900	$40
CommunityCare Silver SLIH223 CommunityCare · HMO	$523	$668	$1,419	$6,600	$7,800	$35
CommunityCare Silver L21 CommunityCare · HMO	$524	$669	$1,421	$7,000	$7,600	$35
MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health · HMO	$545	$697	$1,480	$2,300	$10,150	No Charge
UHC Silver Standard (No Referrals) UnitedHealthcare · HMO	$550	$702	$1,491	$6,000	$8,900	$40
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO	$554	$708	$1,503	$2,900	$9,500	$15
MyBlue Silver HMO℠ 705 Blue Cross and Blue Shield of Oklahoma · HMO	$556	$710	$1,509	$2,950	$10,150	No Charge
MyBlue Silver HMO℠ 803 Blue Cross and Blue Shield of Oklahoma · HMO	$559	$715	$1,518	$3,000	$10,600	$25
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO	$560	$716	$1,521	$2,600	$9,200	$20
MyBlue Silver HMO℠ Standard Blue Cross and Blue Shield of Oklahoma · HMO	$568	$726	$1,542	$6,000	$8,900	$40
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO	$571	$730	$1,550	$2,900	$9,500	$15
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO	$578	$738	$1,568	$2,600	$9,200	$20
MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) Mending Health · HMO	$617	$788	$1,674	$6,000	$8,900	$40
Blue Advantage Silver PPO℠ 501 Blue Cross and Blue Shield of Oklahoma · PPO	$645	$824	$1,750	$3,500	$10,600	$5
Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$680	$869	$1,845	$6,000	$8,900	$40
Blue Advantage Silver PPO℠ 204 Blue Cross and Blue Shield of Oklahoma · PPO	$684	$874	$1,856	$1,025	$10,150	$35
Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$1,017	$1,300	$2,761	$6,000	$8,900	$40

Gold plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Gold Classic Standard Oscar Insurance Company · PPO	$453	$579	$1,229	$2,000	$8,200	$30
Standard Gold Ambetter of Oklahoma · PPO	$478	$610	$1,296	$2,000	$8,200	$30
Everyday Gold Ambetter of Oklahoma · PPO	$486	$621	$1,319	$800	$7,250	$35
Standard Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO	$498	$636	$1,351	$2,000	$8,200	$30
Everyday Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO	$507	$647	$1,375	$800	$7,250	$35
CommunityCare Gold L21 CommunityCare · HMO	$522	$667	$1,416	$3,800	$7,500	$30
CommunityCare Gold Standardized CommunityCare · HMO	$522	$667	$1,417	$2,000	$8,200	$30
MyBlue Gold HMO℠ 804 Blue Cross and Blue Shield of Oklahoma · HMO	$523	$668	$1,419	$1,000	$10,600	No Charge
CommunityCare Gold IH221 CommunityCare · HMO	$525	$671	$1,425	$1,100	$8,500	$30
MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) Mending Health · HMO	$542	$692	$1,470	$0	$8,800	No Charge
Elite Gold Ambetter of Oklahoma · PPO	$550	$703	$1,492	$0	$6,500	$5
UHC Gold Standard (No Referrals) UnitedHealthcare · HMO	$551	$704	$1,495	$2,000	$8,200	$30
MyBlue Gold HMO℠ 704 Blue Cross and Blue Shield of Oklahoma · HMO	$554	$708	$1,503	$1,000	$7,000	$10
UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO	$556	$711	$1,510	$2,000	$7,000	$15
MyBlue Gold HMO℠ Standard Blue Cross and Blue Shield of Oklahoma · HMO	$560	$716	$1,520	$2,000	$8,200	$30
Elite Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO	$573	$733	$1,556	$0	$6,500	$5
UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO	$573	$733	$1,556	$2,000	$7,000	$15
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO	$581	$743	$1,578	$0	$7,000	$20
MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) Mending Health · HMO	$612	$783	$1,662	$2,000	$8,200	$30
Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma · PPO	$628	$802	$1,704	$1,050	$10,600	$25
Blue Advantage Gold PPO℠ 604 Blue Cross and Blue Shield of Oklahoma · PPO	$646	$826	$1,753	$1,100	$8,600	No Charge
Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$669	$855	$1,815	$2,000	$8,200	$30
Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO	$986	$1,261	$2,677	$2,000	$8,200	$30

Catastrophic plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
CommunityCare Catastrophic CommunityCare · HMO	$246	$314	$667	$10,600	$10,600	$35 Copay after deductible
Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Oklahoma · PPO	$714	$913	$1,939	$10,600	$10,600	$20

Care quality in Lincoln County

Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.

Turning 65?

Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Lincoln County.

Frequently asked questions

How many Marketplace health plans are available in Lincoln County, OK for 2026?

85 plans from 6 insurers: Ambetter of Oklahoma, Blue Cross and Blue Shield of Oklahoma, CommunityCare, Mending Health, Oscar Insurance Company, UnitedHealthcare.

What is the benchmark silver plan premium in Lincoln County, OK?

For 2026, the second-lowest-cost silver plan costs $568 a month for a 40-year-old before tax credits, up 26.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.

What is the cheapest health plan in Lincoln County, OK?

The lowest bronze premium for a 40-year-old is $436 a month before tax credits. Bronze plans have low premiums but high deductibles.