Health insurance prices in Ottawa County, OK (2026)
45 marketplace plans from 4 insurers. Cheapest plan $485/mo; typical Silver $778/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 $485–$892 (typical $559) · Silver $630–$1,177 (typical $778) · Gold $635–$1,143 (typical $766) · 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 |
|---|---|---|---|---|---|---|---|
| CommunityCare | 10 | $485 | $493 | $636 | $636 | CommunityCare Expanded Bronze Standardized | |
| Medica | 9 | $499 | $510 | $705 | $675 | Harmony by Medica Bronze $0 Copay PCP Visits | |
| UnitedHealthcareUnitedHealth Group | 13 | $549 | $581 | $794 | $800 | UHC Bronze Essential (No Referrals) | |
| Blue Cross and Blue Shield of OklahomaHCSC (Blue Cross Blue Shield company) | 13 | $575 | $633 | $820 | $790 | Blue Advantage Bronze PPO℠ 202 |
All 45 plans in Ottawa 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 | |
| CommunityCare | CommunityCare Expanded Bronze Standardized | Expanded Bronze | HMO | $485 | $7,500 | $10,000 | $15,816 | |
| 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 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $549 | $10,600 | $10,600 | $17,188 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $569 | $7,500 | $10,000 | $16,828 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 202 | Bronze | PPO | $575 | $6,800 | $10,600 | $17,501 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $593 | $7,500 | $10,000 | $17,119 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $598 | $0 | $10,600 | $17,780 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ Standard | Expanded Bronze | PPO | $611 | $7,500 | $10,000 | $17,331 | |
| 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 | |
| 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 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 203 | Expanded Bronze | PPO | $656 | $4,500 | $8,300 | $16,172 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $778 | $6,000 | $8,900 | $18,239 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $780 | $2,000 | $8,200 | $17,559 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | HMO | $784 | $2,900 | $9,500 | $18,912 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | HMO | $788 | $2,000 | $7,000 | $16,453 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | HMO | $794 | $2,600 | $9,200 | $18,725 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Gold PPO℠ Standard | Gold | PPO | $803 | $2,000 | $8,200 | $17,840 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $809 | $2,900 | $9,500 | $19,204 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | HMO | $812 | $2,000 | $7,000 | $16,744 | |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Silver PPO℠ Standard | Silver | PPO | $818 | $6,000 | $8,900 | $18,712 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $818 | $2,600 | $9,200 | $19,016 | |
| 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 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | HMO | $823 | $0 | $7,000 | $16,880 | |
| 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 | $485 | $559 | $892 | 14 | $7,500 | $10,000 | $16,876 |
| Silver | $630 | $778 | $1,177 | 15 | $3,525 | $8,900 | $18,725 |
| Gold | $635 | $766 | $1,143 | 14 | $2,000 | $8,200 | $16,838 |
| 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.