What health insurance costs without a subsidy in McClain County, Oklahoma (2026)
In McClain County, Oklahoma, the benchmark silver plan costs $567.94/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $436.06 to $1299.99. A 60-year-old pays at least $926.04/month, a 21-year-old at least $341.22. 6 insurers offer 84 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 $341.22/mo
- Age 40 — starting at $436.06/mo
- Age 60 — starting at $926.04/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $495.40/mo
- Silver — starting at $561.23/mo
- Gold — starting at $578.76/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, Mending Health, Oscar Insurance Company, UnitedHealthcare
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 McClain County (FIPS 40087).
- 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 (84)
- UHC Bronze Essential (No Referrals) — Bronze · $495.40/mo @ 40
- MyBlue Bronze HMO℠ 902 — Bronze · $515.30/mo @ 40
- MyBlue Bronze HMO℠ 904 — Bronze · $556.33/mo @ 40
- Blue Advantage Bronze PPO℠ 202 — Bronze · $609.85/mo @ 40
- Blue Preferred Security PPO℠ 200 — Catastrophic · $913.02/mo @ 40
- Bronze Simple — Expanded Bronze · $436.06/mo @ 40
- Everyday Bronze — Expanded Bronze · $449.42/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $449.71/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $455.73/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $465.03/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $467.78/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $468.56/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $468.86/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $474.34/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $505.84/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $513.45/mo @ 40
- Elite Bronze — Expanded Bronze · $519.05/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $535.36/mo @ 40
- MyBlue Bronze HMO℠ Standard — Expanded Bronze · $538.91/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $539.97/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $541.16/mo @ 40
- MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) — Expanded Bronze · $542.76/mo @ 40
- MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) — Expanded Bronze · $553.48/mo @ 40
- Harmony by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $641.86/mo @ 40
- Blue Advantage Bronze PPO℠ Standard — Expanded Bronze · $647.31/mo @ 40
- Harmony by Medica Expanded Bronze Standard — Expanded Bronze · $655.33/mo @ 40
- Harmony by Medica Bronze Premier — Expanded Bronze · $677.68/mo @ 40
- Blue Advantage Bronze PPO℠ 203 — Expanded Bronze · $697.21/mo @ 40
- Blue Preferred Bronze PPO℠ Standard — Expanded Bronze · $986.73/mo @ 40
- Gold Classic Standard — Gold · $578.76/mo @ 40
- Standard Gold — Gold · $610.23/mo @ 40
- Everyday Gold — Gold · $620.96/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $636.22/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $647.40/mo @ 40
- MyBlue Gold HMO℠ 804 — Gold · $668.22/mo @ 40
- MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) — Gold · $692.16/mo @ 40
- Elite Gold — Gold · $702.58/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $703.80/mo @ 40
- MyBlue Gold HMO℠ 704 — Gold · $707.62/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold · $710.90/mo @ 40
Showing first 40 of 84 plans on file.
Reviewed by Jason Burns, Editorial Steward.