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Marketplace health plans in Stephens 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, Stephens County, Oklahoma has 28 Marketplace health plans from 3 insurers: 9 bronze, 9 silver, 9 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $705.30 per month; the lowest bronze premium is $499.17.
What changed vs 2025
- Benchmark silver premium up $86.98 a month (+14.1%) from 2025
- Lowest bronze premium up $59.96 a month
Market snapshot
- Residents under 65
- 34,509
- Insurers
- 3
- Plans by metal level
- 9 bronze, 9 silver, 9 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $705.30/mo
- Lowest bronze premium, age 40, before subsidies
- $499.17/mo
- Lowest gold premium, age 40, before subsidies
- $666.31/mo
- Lowest silver deductible
- $1,025
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Blue Cross and Blue Shield of Oklahoma — 13 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 9 plans (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 | Blue Preferred Security PPO℠ 200 (87571OK0350206) | Blue Cross and Blue Shield of Oklahoma | PPO | $821.83 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Harmony by Medica Bronze $0 Copay PCP Visits (21333OK0010041) | Medica | PPO | $499.17 | $7,500 | $10,600 | 9 |
|---|
| Silver | Harmony by Medica Silver $0 Copay PCP Visits (21333OK0010047) | Medica | PPO | $704.13 | $3,500 | $10,450 | 9 |
|---|
| Gold | Harmony by Medica Gold $0 Copay PCP Visits (21333OK0010045) | Medica | PPO | $666.31 | $1,500 | $8,800 | 9 |
|---|
One plan per metal level shown, of 28 plans in the county.
Benchmark silver premium by age
The benchmark plan (Medica) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $551.88 | $578.37 | $626.38 | $705.30 | $985.65 | $1,497.79 |
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.