What health insurance costs without a subsidy in Wagoner County, Oklahoma (2026)

Cost by age (2026, before subsidy)

• Age 21 — starting at $233.99/mo
• Age 40 — starting at $299.03/mo
• Age 60 — starting at $635.04/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $515.14/mo
• Silver — starting at $566.27/mo
• Gold — starting at $606.93/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, CommunityCare, Medica, Mending Health, 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 (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Wagoner County (FIPS 40145).
• HealthCare.gov (opens in new tab) — 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

All Oklahoma counties →

Plans available in this county (82)

• UHC Bronze Essential (No Referrals) — Bronze · $515.14/mo @ 40
• MyBlue Bronze HMO℠ 902 — Bronze · $518.55/mo @ 40
• MyBlue Bronze HMO℠ 904 — Bronze · $560.44/mo @ 40
• Blue Advantage Bronze PPO℠ 202 — Bronze · $687.32/mo @ 40
• CommunityCare Catastrophic — Catastrophic · $299.03/mo @ 40
• Blue Preferred Security PPO℠ 200 — Catastrophic · $854.51/mo @ 40
• Everyday Bronze — Expanded Bronze · $453.45/mo @ 40
• Standard Expanded Bronze — Expanded Bronze · $453.75/mo @ 40
• Harmony by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $454.68/mo @ 40
• Harmony by Medica Expanded Bronze Standard — Expanded Bronze · $464.22/mo @ 40
• Saint Francis Expanded Bronze Standardized — Expanded Bronze · $464.46/mo @ 40
• Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $472.77/mo @ 40
• Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $473.08/mo @ 40
• Harmony by Medica Bronze Premier — Expanded Bronze · $480.06/mo @ 40
• CommunityCare Expanded Bronze Standardized — Expanded Bronze · $484.69/mo @ 40
• CommunityCare Bronze IH223 — Expanded Bronze · $492.70/mo @ 40
• CommunityCare Bronze IH224 — Expanded Bronze · $495.05/mo @ 40
• Elite Bronze — Expanded Bronze · $523.72/mo @ 40
• UHC Bronze Standard (No Referrals) — Expanded Bronze · $533.90/mo @ 40
• MyBlue Bronze HMO℠ Standard — Expanded Bronze · $542.06/mo @ 40
• Elite Bronze + Vision + Adult Dental — Expanded Bronze · $546.02/mo @ 40
• MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) — Expanded Bronze · $546.06/mo @ 40
• UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $556.69/mo @ 40
• MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) — Expanded Bronze · $556.84/mo @ 40
• UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $561.48/mo @ 40
• Blue Advantage Bronze PPO℠ Standard — Expanded Bronze · $728.50/mo @ 40
• Blue Advantage Bronze PPO℠ 203 — Expanded Bronze · $784.55/mo @ 40
• Blue Preferred Bronze PPO℠ Standard — Expanded Bronze · $927.88/mo @ 40
• Harmony by Medica Gold $0 Copay PCP Visits — Gold · $606.93/mo @ 40
• Harmony by Medica Gold Share — Gold · $614.61/mo @ 40
• Standard Gold — Gold · $615.72/mo @ 40
• Everyday Gold — Gold · $626.54/mo @ 40
• CommunityCare Gold L21 — Gold · $635.02/mo @ 40
• CommunityCare Gold Standardized — Gold · $635.53/mo @ 40
• CommunityCare Gold IH221 — Gold · $638.94/mo @ 40
• Standard Gold + Vision + Adult Dental — Gold · $641.94/mo @ 40
• Everyday Gold + Vision + Adult Dental — Gold · $653.22/mo @ 40
• Harmony by Medica Gold Standard — Gold · $664.10/mo @ 40
• MyBlue Gold HMO℠ 804 — Gold · $674.94/mo @ 40
• MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) — Gold · $696.37/mo @ 40

Showing first 40 of 82 plans on file. Every remaining plan is listed below.

All other plans in Wagoner County

• Elite Gold — Gold
• MyBlue Gold HMO℠ 704 — Gold
• MyBlue Gold HMO℠ Standard — Gold
• UHC Gold Standard (No Referrals) — Gold
• Elite Gold + Vision + Adult Dental — Gold
• UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold
• UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold
• UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold
• MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) — Gold
• Blue Advantage Gold PPO℠ 309 — Gold
• Blue Advantage Gold PPO℠ 604 — Gold
• Blue Advantage Gold PPO℠ Standard — Gold
• Blue Preferred Gold PPO℠ Standard — Gold
• Standard Silver — Silver
• Focused Silver — Silver
• Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver
• Enhanced Diabetes Care Silver with $0 Drug Options — Silver
• Standard Silver + Vision + Adult Dental — Silver
• Focused Silver + Vision + Adult Dental — Silver
• Saint Francis Silver Standardized — Silver
• Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
• Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
• CommunityCare Silver Standardized — Silver
• CommunityCare Silver SLIH223 — Silver
• CommunityCare Silver L21 — Silver
• Harmony by Medica Silver $0 Copay PCP Visits — Silver
• Harmony by Medica Silver Share — Silver
• Harmony by Medica Silver Standard — Silver
• MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) — Silver
• MyBlue Silver HMO℠ 705 — Silver
• MyBlue Silver HMO℠ 803 — Silver
• UHC Silver Standard (No Referrals) — Silver
• MyBlue Silver HMO℠ Standard — Silver
• UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Silver
• UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Silver
• UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Silver
• UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Silver
• MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) — Silver
• Blue Advantage Silver PPO℠ 501 — Silver
• Blue Advantage Silver PPO℠ Standard — Silver
• Blue Advantage Silver PPO℠ 204 — Silver
• Blue Preferred Silver PPO℠ Standard — Silver