What health insurance costs without a subsidy in Beckham County, Oklahoma (2026)
In Beckham County, Oklahoma, the benchmark silver plan costs $705.30/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $499.17 to $1177.09. A 60-year-old pays at least $1060.05/month, a 21-year-old at least $390.59. 2 insurers offer 22 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 $390.59/mo
- Age 40 — starting at $499.17/mo
- Age 60 — starting at $1060.05/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $575.09/mo
- Silver — starting at $704.13/mo
- Gold — starting at $666.31/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,025 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Beckham County (FIPS 40009).
- 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 (22)
- Blue Advantage Bronze PPO℠ 202 — Bronze · $575.09/mo @ 40
- Blue Preferred Security PPO℠ 200 — Catastrophic · $821.83/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
- 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
- Harmony by Medica Gold $0 Copay PCP Visits — Gold · $666.31/mo @ 40
- Harmony by Medica Gold Share — Gold · $674.75/mo @ 40
- Harmony by Medica Gold Standard — Gold · $729.08/mo @ 40
- Blue Advantage Gold PPO℠ 309 — Gold · $754.91/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
- 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
- Blue Advantage Silver PPO℠ 204 — Silver · $822.58/mo @ 40
- Blue Preferred Silver PPO℠ Standard — Silver · $1177.09/mo @ 40
Reviewed by Jason Burns, Editorial Steward.