2026 plan year · Oklahoma
2026 health insurance plans in Payne County, OK
62 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $592benchmark silver (age 40)
- $469cheapest bronze (age 40)
- 5insurers
- +21%benchmark change vs. 2025
Insurer changes from 2025
- New here: UnitedHealthcare.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare · HMO | $430 | $549 | $1,166 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Advantage Bronze PPO℠ 202 Blue Cross and Blue Shield of Oklahoma · PPO | $450 | $575 | $1,221 | $6,800 | $10,600 | $50 |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter of Oklahoma · PPO | $367 | $469 | $995 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of Oklahoma · PPO | $367 | $469 | $996 | $7,500 | $10,000 | $50 |
| CommunityCare Expanded Bronze Standardized CommunityCare · HMO | $379 | $485 | $1,029 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO | $382 | $489 | $1,038 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO | $383 | $489 | $1,038 | $7,500 | $10,000 | $50 |
| CommunityCare Bronze IH223 CommunityCare · HMO | $386 | $493 | $1,046 | $5,000 | $7,500 | 60% Coinsurance after deductible |
| CommunityCare Bronze IH224 CommunityCare · HMO | $387 | $495 | $1,051 | $7,150 | $7,150 | No Charge after Deductible |
| Elite Bronze Ambetter of Oklahoma · PPO | $424 | $541 | $1,150 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter of Oklahoma · PPO | $442 | $564 | $1,199 | $0 | $10,500 | $60 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO | $445 | $569 | $1,208 | $7,500 | $10,000 | $50 |
| MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health · HMO | $455 | $582 | $1,236 | $4,950 | $10,150 | No Charge |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO | $464 | $593 | $1,260 | $7,500 | $10,000 | $50 |
| MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) Mending Health · HMO | $464 | $594 | $1,260 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $468 | $598 | $1,271 | $0 | $10,600 | $50 |
| Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $478 | $611 | $1,297 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze PPO℠ 203 Blue Cross and Blue Shield of Oklahoma · PPO | $513 | $656 | $1,393 | $4,500 | $8,300 | 40% Coinsurance after deductible |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $698 | $893 | $1,895 | $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 | $458 | $585 | $1,243 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter of Oklahoma · PPO | $463 | $592 | $1,258 | $6,300 | $8,400 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of Oklahoma · PPO | $472 | $603 | $1,280 | $5,900 | $8,150 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Oklahoma · PPO | $472 | $604 | $1,282 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter of Oklahoma · PPO | $477 | $610 | $1,296 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter of Oklahoma · PPO | $483 | $618 | $1,311 | $6,300 | $8,400 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma · PPO | $492 | $629 | $1,335 | $5,900 | $8,150 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma · PPO | $492 | $629 | $1,337 | $5,000 | $8,650 | $30 |
| CommunityCare Silver Standardized CommunityCare · HMO | $493 | $630 | $1,338 | $6,000 | $8,900 | $40 |
| CommunityCare Silver SLIH223 CommunityCare · HMO | $498 | $636 | $1,352 | $6,600 | $7,800 | $35 |
| CommunityCare Silver L21 CommunityCare · HMO | $499 | $637 | $1,353 | $7,000 | $7,600 | $35 |
| MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health · HMO | $585 | $747 | $1,587 | $2,300 | $10,150 | No Charge |
| Blue Advantage Silver PPO℠ 501 Blue Cross and Blue Shield of Oklahoma · PPO | $608 | $777 | $1,649 | $3,500 | $10,600 | $5 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · HMO | $609 | $778 | $1,653 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $614 | $784 | $1,666 | $2,900 | $9,500 | $15 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $621 | $794 | $1,686 | $2,600 | $9,200 | $20 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $633 | $809 | $1,717 | $2,900 | $9,500 | $15 |
| Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $640 | $818 | $1,737 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $640 | $818 | $1,737 | $2,600 | $9,200 | $20 |
| Blue Advantage Silver PPO℠ 204 Blue Cross and Blue Shield of Oklahoma · PPO | $644 | $823 | $1,747 | $1,025 | $10,150 | $35 |
| MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) Mending Health · HMO | $661 | $845 | $1,795 | $6,000 | $8,900 | $40 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $921 | $1,177 | $2,500 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| CommunityCare Gold L21 CommunityCare · HMO | $497 | $635 | $1,349 | $3,800 | $7,500 | $30 |
| CommunityCare Gold Standardized CommunityCare · HMO | $497 | $636 | $1,350 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter of Oklahoma · PPO | $498 | $636 | $1,351 | $2,000 | $8,200 | $30 |
| CommunityCare Gold IH221 CommunityCare · HMO | $500 | $639 | $1,357 | $1,100 | $8,500 | $30 |
| Everyday Gold Ambetter of Oklahoma · PPO | $507 | $648 | $1,375 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO | $519 | $664 | $1,409 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO | $528 | $675 | $1,434 | $800 | $7,250 | $35 |
| Elite Gold Ambetter of Oklahoma · PPO | $573 | $733 | $1,556 | $0 | $6,500 | $5 |
| MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) Mending Health · HMO | $581 | $742 | $1,576 | $0 | $8,800 | No Charge |
| Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma · PPO | $591 | $755 | $1,603 | $1,050 | $10,600 | $25 |
| Elite Gold + Vision + Adult Dental Ambetter of Oklahoma · PPO | $598 | $764 | $1,622 | $0 | $6,500 | $5 |
| Blue Advantage Gold PPO℠ 604 Blue Cross and Blue Shield of Oklahoma · PPO | $607 | $776 | $1,648 | $1,100 | $8,600 | No Charge |
| UHC Gold Standard (No Referrals) UnitedHealthcare · HMO | $610 | $780 | $1,656 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $616 | $788 | $1,673 | $2,000 | $7,000 | $15 |
| Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $629 | $803 | $1,706 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $635 | $812 | $1,724 | $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 | $644 | $823 | $1,748 | $0 | $7,000 | $20 |
| MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) Mending Health · HMO | $657 | $839 | $1,783 | $2,000 | $8,200 | $30 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma · PPO | $894 | $1,143 | $2,427 | $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 | $234 | $299 | $635 | $10,600 | $10,600 | $35 Copay after deductible |
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Oklahoma · PPO | $643 | $822 | $1,745 | $10,600 | $10,600 | $20 |
Care quality in Payne 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 Payne County.
Frequently asked questions
How many Marketplace health plans are available in Payne County, OK for 2026?
62 plans from 5 insurers: Ambetter of Oklahoma, Blue Cross and Blue Shield of Oklahoma, CommunityCare, Mending Health, UnitedHealthcare.
What is the benchmark silver plan premium in Payne County, OK?
For 2026, the second-lowest-cost silver plan costs $592 a month for a 40-year-old before tax credits, up 21% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Payne County, OK?
The lowest bronze premium for a 40-year-old is $469 a month before tax credits. Bronze plans have low premiums but high deductibles.