What health insurance costs without a subsidy in Adair County, Oklahoma (2026)
In Adair County, Oklahoma, the benchmark silver plan costs $592.30/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $468.69 to $1177.09. A 60-year-old pays at least $995.32/month, a 21-year-old at least $366.75. 3 insurers offer 42 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $366.75/mo
- Age 40 — starting at $468.69/mo
- Age 60 — starting at $995.32/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $575.09/mo
- Silver — starting at $585.29/mo
- Gold — starting at $636.40/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter of Oklahoma, Blue Cross and Blue Shield of Oklahoma, Medica
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Adair County (FIPS 40001).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Oklahoma
- Cimarron County — $817.70/mo benchmark
- Coal County — $817.70/mo benchmark
- Custer County — $817.70/mo benchmark
- Texas County — $817.70/mo benchmark
- Washita County — $817.70/mo benchmark
Plans available in this county (42)
- Blue Advantage Bronze PPO℠ 202 — Bronze · $575.09/mo @ 40
- Blue Preferred Security PPO℠ 200 — Catastrophic · $821.83/mo @ 40
- Everyday Bronze — Expanded Bronze · $468.69/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $469.00/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $488.65/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $488.97/mo @ 40
- Harmony by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $499.17/mo @ 40
- Harmony by Medica Expanded Bronze Standard — Expanded Bronze · $509.64/mo @ 40
- Harmony by Medica Bronze Premier — Expanded Bronze · $527.03/mo @ 40
- Elite Bronze — Expanded Bronze · $541.31/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $564.36/mo @ 40
- Blue Advantage Bronze PPO℠ Standard — Expanded Bronze · $610.88/mo @ 40
- Blue Advantage Bronze PPO℠ 203 — Expanded Bronze · $656.02/mo @ 40
- Blue Preferred Bronze PPO℠ Standard — Expanded Bronze · $892.50/mo @ 40
- Standard Gold — Gold · $636.40/mo @ 40
- Everyday Gold — Gold · $647.59/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $663.51/mo @ 40
- Harmony by Medica Gold $0 Copay PCP Visits — Gold · $666.31/mo @ 40
- Harmony by Medica Gold Share — Gold · $674.75/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $675.17/mo @ 40
- Harmony by Medica Gold Standard — Gold · $729.08/mo @ 40
- Elite Gold — Gold · $732.71/mo @ 40
- Blue Advantage Gold PPO℠ 309 — Gold · $754.91/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $763.92/mo @ 40
- Blue Advantage Gold PPO℠ 604 — Gold · $776.18/mo @ 40
- Blue Advantage Gold PPO℠ Standard — Gold · $803.30/mo @ 40
- Blue Preferred Gold PPO℠ Standard — Gold · $1142.99/mo @ 40
- Standard Silver — Silver · $585.29/mo @ 40
- Focused Silver — Silver · $592.30/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver · $602.87/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $603.64/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $610.22/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $617.52/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $628.55/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $629.35/mo @ 40
- Harmony by Medica Silver $0 Copay PCP Visits — Silver · $704.13/mo @ 40
- Harmony by Medica Silver Share — Silver · $705.30/mo @ 40
- Harmony by Medica Silver Standard — Silver · $750.17/mo @ 40
- Blue Advantage Silver PPO℠ 501 — Silver · $776.64/mo @ 40
- Blue Advantage Silver PPO℠ Standard — Silver · $817.70/mo @ 40
Showing first 40 of 42 plans on file.
Reviewed by Jason Burns, Editorial Steward.