Health insurance prices in Payne County, OK (2026)
62 marketplace plans from 5 insurers. Cheapest plan $469/mo; typical Silver $692/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 $564) · Silver $585–$1,177 (typical $692) · Gold $635–$1,143 (typical $755) · 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 | |
| UnitedHealthcareUnitedHealth Group | 13 | $549 | $581 | $794 | $800 | UHC Bronze Essential (No Referrals) | |
| Mending Health | 6 | $582 | $588 | $796 | $791 | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | |
| Blue Cross and Blue Shield of OklahomaHCSC (Blue Cross Blue Shield company) | 13 | $575 | $633 | $820 | $790 | Blue Advantage Bronze PPO℠ 202 |
All 62 plans in Payne 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 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | PPO | $541 | $0 | $10,500 | $16,996 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $549 | $10,600 | $10,600 | $17,188 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $564 | $0 | $10,500 | $17,272 | |
| 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 | |
| Mending Health | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | Expanded Bronze | HMO | $582 | $4,950 | $10,150 | $17,135 | |
| 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 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $593 | $7,500 | $10,000 | $17,119 | |
| Mending Health | MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) | Expanded Bronze | HMO | $594 | $7,500 | $10,000 | $17,122 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $598 | $0 | $10,600 | $17,780 | |
| 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 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | PPO | $675 | $800 | $7,250 | $15,352 | |
| Ambetter (Centene) | Elite Gold | Gold | PPO | $733 | $0 | $6,500 | $15,293 | |
| Mending Health | MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) | Gold | HMO | $742 | $0 | $8,800 | $17,707 | |
| Mending Health | MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) | Silver | HMO | $747 | $2,300 | $10,150 | $19,118 | |
| 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 | |
| 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 | |
| Mending Health | MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) | Gold | HMO | $839 | $2,000 | $8,200 | $18,273 | |
| Mending Health | MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) | Silver | HMO | $845 | $6,000 | $8,900 | $19,041 | |
| 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 | $564 | $892 | 19 | $7,500 | $10,000 | $16,996 |
| Silver | $585 | $692 | $1,177 | 22 | $5,950 | $8,900 | $17,349 |
| Gold | $635 | $755 | $1,143 | 19 | $2,000 | $8,200 | $16,453 |
| 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.