Health insurance prices in Cherokee County, OK (2026)
52 marketplace plans from 4 insurers. Cheapest plan $469/mo; typical Silver $633/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 5.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $469–$892 (typical $504) · Silver $585–$1,177 (typical $633) · Gold $635–$1,143 (typical $675) · Catastrophic $299–$822 (typical $560)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 20 | $469 | $489 | $607 | $669 | Everyday Bronze | |
| CommunityCare | 10 | $485 | $493 | $636 | $636 | CommunityCare Expanded Bronze Standardized | |
| Medica | 9 | $499 | $510 | $705 | $675 | Harmony by Medica Bronze $0 Copay PCP Visits | |
| Blue Cross and Blue Shield of OklahomaHCSC (Blue Cross Blue Shield company) | 13 | $575 | $633 | $820 | $790 | Blue Advantage Bronze PPO℠ 202 |
All 52 plans in Cherokee County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CommunityCare | CommunityCare Catastrophic | Catastrophic | HMO | $299 | $10,600 | $10,600 | $14,188 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | PPO | $469 | $8,450 | $10,150 | $15,774 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | PPO | $469 | $7,500 | $10,000 | $15,628 | |
| CommunityCare | CommunityCare Expanded Bronze Standardized | Expanded Bronze | HMO | $485 | $7,500 | $10,000 | $15,816 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $489 | $8,450 | $10,150 | $16,014 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $489 | $7,500 | $10,000 | $15,868 | |
| CommunityCare | CommunityCare Bronze IH223 | Expanded Bronze | HMO | $493 | $5,000 | $7,500 | $13,412 | |
| CommunityCare | CommunityCare Bronze IH224 | Expanded Bronze | HMO | $495 | $7,150 | $7,150 | $13,091 | |
| Medica | Harmony by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | PPO | $499 | $7,500 | $10,600 | $16,590 | |
| Medica | Harmony by Medica Expanded Bronze Standard | Expanded Bronze | PPO | $510 | $7,500 | $10,000 | $16,116 | |
| Medica | Harmony by Medica Bronze Premier | Expanded Bronze | PPO | $527 | $2,000 | $10,600 | $16,924 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | PPO | $541 | $0 | $10,500 | $16,996 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $564 | $0 | $10,500 | $17,272 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 202 | Bronze | PPO | $575 | $6,800 | $10,600 | $17,501 | |
| Ambetter (Centene) | Standard Silver | Silver | PPO | $585 | $6,000 | $8,900 | $15,923 | |
| Ambetter (Centene) | Focused Silver | Silver | PPO | $592 | $6,300 | $8,400 | $15,508 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | PPO | $603 | $5,900 | $8,150 | $15,384 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | PPO | $604 | $5,000 | $8,650 | $15,894 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | PPO | $610 | $6,000 | $8,900 | $16,223 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ Standard | Expanded Bronze | PPO | $611 | $7,500 | $10,000 | $17,331 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | PPO | $618 | $6,300 | $8,400 | $15,810 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | PPO | $629 | $5,900 | $8,150 | $15,693 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | PPO | $629 | $5,000 | $8,650 | $16,202 | |
| CommunityCare | CommunityCare Silver Standardized | Silver | HMO | $630 | $6,000 | $8,900 | $16,460 | |
| CommunityCare | CommunityCare Gold L21 | Gold | HMO | $635 | $3,800 | $7,500 | $15,120 | |
| CommunityCare | CommunityCare Gold Standardized | Gold | HMO | $636 | $2,000 | $8,200 | $15,826 | |
| Ambetter (Centene) | Standard Gold | Gold | PPO | $636 | $2,000 | $8,200 | $15,837 | |
| CommunityCare | CommunityCare Silver SLIH223 | Silver | HMO | $636 | $6,600 | $7,800 | $15,437 | |
| CommunityCare | CommunityCare Silver L21 | Silver | HMO | $637 | $7,000 | $7,600 | $15,248 | |
| CommunityCare | CommunityCare Gold IH221 | Gold | HMO | $639 | $1,100 | $8,500 | $16,167 | |
| Ambetter (Centene) | Everyday Gold | Gold | PPO | $648 | $800 | $7,250 | $15,021 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 203 | Expanded Bronze | PPO | $656 | $4,500 | $8,300 | $16,172 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | PPO | $664 | $2,000 | $8,200 | $16,162 | |
| Medica | Harmony by Medica Gold $0 Copay PCP Visits | Gold | PPO | $666 | $1,500 | $8,800 | $16,796 | |
| Medica | Harmony by Medica Gold Share | Gold | PPO | $675 | $2,500 | $5,900 | $13,997 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | PPO | $675 | $800 | $7,250 | $15,352 | |
| Medica | Harmony by Medica Silver $0 Copay PCP Visits | Silver | PPO | $704 | $3,500 | $10,450 | $18,900 | |
| Medica | Harmony by Medica Silver Share | Silver | PPO | $705 | $3,525 | $8,850 | $17,314 | |
| Medica | Harmony by Medica Gold Standard | Gold | PPO | $729 | $2,000 | $8,200 | $16,949 | |
| Ambetter (Centene) | Elite Gold | Gold | PPO | $733 | $0 | $6,500 | $15,293 | |
| Medica | Harmony by Medica Silver Standard | Silver | PPO | $750 | $6,000 | $8,900 | $17,902 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ 309 | Gold | PPO | $755 | $1,050 | $10,600 | $19,659 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | PPO | $764 | $0 | $6,500 | $15,667 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ 604 | Gold | PPO | $776 | $1,100 | $8,600 | $17,914 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ 501 | Silver | PPO | $777 | $3,500 | $10,600 | $19,920 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ Standard | Gold | PPO | $803 | $2,000 | $8,200 | $17,840 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ Standard | Silver | PPO | $818 | $6,000 | $8,900 | $18,712 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Security PPO℠ 200 | Catastrophic | PPO | $822 | $10,600 | $10,600 | $20,462 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ 204 | Silver | PPO | $823 | $1,025 | $10,150 | $20,021 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Bronze PPO℠ Standard | Expanded Bronze | PPO | $892 | $7,500 | $10,000 | $20,710 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Gold PPO℠ Standard | Gold | PPO | $1,143 | $2,000 | $8,200 | $21,916 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Preferred Silver PPO℠ Standard | Silver | PPO | $1,177 | $6,000 | $8,900 | $23,025 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $469 | $504 | $892 | 16 | $7,500 | $10,000 | $16,144 |
| Silver | $585 | $633 | $1,177 | 18 | $6,000 | $8,875 | $16,212 |
| Gold | $635 | $675 | $1,143 | 16 | $1,750 | $8,200 | $15,999 |
| CatastrophicUnder 30 or hardship exemption only | $299 | $560 | $822 | 2 | $10,600 | $10,600 | $17,325 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.