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Marketplace health plans in Payne County, OK — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Payne County, Oklahoma has 62 Marketplace health plans from 5 insurers: 19 bronze, 22 silver, 19 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $592.30 per month; the lowest bronze premium is $468.69.
What changed vs 2025
- Benchmark silver premium up $102.65 a month (+21.0%) from 2025
- 19 more plans than 2025
- Insurers entered: UnitedHealthcare
- Lowest bronze premium up $92.01 a month
Market snapshot
- Residents under 65
- 72,059
- Insurers
- 5
- Plans by metal level
- 19 bronze, 22 silver, 19 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $592.30/mo
- Lowest bronze premium, age 40, before subsidies
- $468.69/mo
- Lowest gold premium, age 40, before subsidies
- $635.02/mo
- Lowest silver deductible
- $1,025
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Ambetter of Oklahoma — 20 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Oklahoma — 13 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 13 plans (Bronze, Silver, Gold)
- CommunityCare — 10 plans (Catastrophic, Bronze, Silver, Gold)
- Mending Health — 6 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | CommunityCare Catastrophic (98905OK0130024) | CommunityCare | HMO | $299.03 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Everyday Bronze (62505OK0120002) | Ambetter of Oklahoma | PPO | $468.69 | $8,450 | $10,150 | 19 |
|---|
| Silver | Standard Silver (62505OK0120020) | Ambetter of Oklahoma | PPO | $585.29 | $6,000 | $8,900 | 22 |
|---|
| Gold | CommunityCare Gold L21 (98905OK0130041) | CommunityCare | HMO | $635.02 | $3,800 | $7,500 | 19 |
|---|
One plan per metal level shown, of 62 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter of Oklahoma) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $463.47 | $485.70 | $526.02 | $592.30 | $827.74 | $1,257.82 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.