ACA plans available
42
Plan year 2026
CMS Marketplace county · plan year 2026
Adair, Oklahoma ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $581
- Silver avg/mo
- 42
- ACA plans
- 3
- Issuers
- +18.0%
- YoY premium
Silver avg $581/mo
Adair, Oklahoma has 42 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $581/mo; Bronze averages $460/mo and Gold $610/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1466 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $486/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Adair, Oklahoma ranks #1,466 of 2,055 counties by listed Silver average ($581/mo) and #1,040 of 2,055 by plan count (42 plans).
- #1,466 of 2,055
- Silver average among 2,055 counties
- $581
- Listed Silver average /mo
- #1,040 of 2,055
- Plan count among 2,055 counties
- 42
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Adair, Oklahoma offers 42 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $384/mo and Silver plans start at $480/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$581
Avg Silver Premium/mo
$486
Benchmark Premium/mo
+18.0%
Year-over-Year Change
$4,724
Avg Deductible
Lower-premium band
Adair in the lower-premium third
$581/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1466 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $480–$965/mo. Every plan sold in Adair is PPO -- there's no alternative network type in this county, so weigh PPO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
13 plans$460/mo avg
$384 - $732
Silver
15 plans$581/mo avg
$480 - $965
Gold
13 plans$610/mo avg
$522 - $937
Catastrophic plan available: avg $674/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Adair is $486/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
3
Some competition
Benchmark Silver
$486 /mo
Sets your subsidy ceiling
Avg deductible
$4,724
Across all metal tiers
B-
Marketplace Access Score
66/100
Adair
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability B
$486/mo
Benchmark Silver premium; rank #1466 of 2055 tracked counties (cheapest first)
Plan Choice D
42 plans
ACA marketplace plan count; rank #1040 of 2055 tracked counties (most first)
Issuer Competition C-
3 issuers
Distinct marketplace issuers; rank #971 of 2055 tracked counties (most first)
Cost Predictability A-
$4,724
Average deductible across tracked plans; rank #1690 of 2055 tracked counties (lowest first)
Adair ACA plans by premium and deductible
Each marker is the Adair average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Adair ACA marketplace plans: premium vs deductible
How Adair's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Adair vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$581 1466th of 2055 higher than 589 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Adair
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Oklahoma | 20 | $492/mo |
| Blue Cross and Blue Shield of Oklahoma | 13 | $670/mo |
| Medica | 9 | $525/mo |
All Plans in Adair
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Oklahoma | Catastrophic | PPO | $673.93 | $821.83 | $10,600 | $10,600 |
| Blue Advantage Bronze PPO℠ 202 Blue Cross and Blue Shield of Oklahoma | Bronze | PPO | $471.59 | $575.09 | $6,800 | $10,600 |
| Everyday Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $384.34 | $468.69 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $384.59 | $469.00 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $400.71 | $488.65 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $400.97 | $488.97 | $7,500 | $10,000 |
| Harmony by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | PPO | $409.34 | $499.17 | $7,500 | $10,600 |
| Harmony by Medica Expanded Bronze Standard Medica | Expanded Bronze | PPO | $417.92 | $509.64 | $7,500 | $10,000 |
| Harmony by Medica Bronze Premier Medica | Expanded Bronze | PPO | $432.18 | $527.03 | $2,000 | $10,600 |
| Elite Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $443.89 | $541.31 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $462.80 | $564.36 | $0 | $10,500 |
| Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $500.94 | $610.88 | $7,500 | $10,000 |
| Blue Advantage Bronze PPO℠ 203 Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $537.96 | $656.02 | $4,500 | $8,300 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $731.88 | $892.50 | $7,500 | $10,000 |
| Standard Silver Ambetter of Oklahoma | Silver | PPO | $479.96 | $585.29 | $6,000 | $8,900 |
| Focused Silver Ambetter of Oklahoma | Silver | PPO | $485.70 | $592.30 | $6,300 | $8,400 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of Oklahoma | Silver | PPO | $494.37 | $602.87 | $5,900 | $8,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Oklahoma | Silver | PPO | $495.00 | $603.64 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $500.40 | $610.22 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $506.39 | $617.52 | $6,300 | $8,400 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $515.43 | $628.55 | $5,900 | $8,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $516.08 | $629.35 | $5,000 | $8,650 |
| Harmony by Medica Silver $0 Copay PCP Visits Medica | Silver | PPO | $577.41 | $704.13 | $3,500 | $10,450 |
| Harmony by Medica Silver Share Medica | Silver | PPO | $578.37 | $705.30 | $3,525 | $8,850 |
| Harmony by Medica Silver Standard Medica | Silver | PPO | $615.17 | $750.17 | $6,000 | $8,900 |
| Blue Advantage Silver PPO℠ 501 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $636.87 | $776.64 | $3,500 | $10,600 |
| Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $670.54 | $817.70 | $6,000 | $8,900 |
| Blue Advantage Silver PPO℠ 204 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $674.55 | $822.58 | $1,025 | $10,150 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $965.25 | $1,177.09 | $6,000 | $8,900 |
| Standard Gold Ambetter of Oklahoma | Gold | PPO | $521.87 | $636.40 | $2,000 | $8,200 |
| Everyday Gold Ambetter of Oklahoma | Gold | PPO | $531.04 | $647.59 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $544.10 | $663.51 | $2,000 | $8,200 |
| Harmony by Medica Gold $0 Copay PCP Visits Medica | Gold | PPO | $546.40 | $666.31 | $1,500 | $8,800 |
| Harmony by Medica Gold Share Medica | Gold | PPO | $553.32 | $674.75 | $2,500 | $5,900 |
| Everyday Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $553.66 | $675.17 | $800 | $7,250 |
| Harmony by Medica Gold Standard Medica | Gold | PPO | $597.87 | $729.08 | $2,000 | $8,200 |
| Elite Gold Ambetter of Oklahoma | Gold | PPO | $600.85 | $732.71 | $0 | $6,500 |
| Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $619.05 | $754.91 | $1,050 | $10,600 |
| Elite Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $626.44 | $763.92 | $0 | $6,500 |
| Blue Advantage Gold PPO℠ 604 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $636.49 | $776.18 | $1,100 | $8,600 |
| Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $658.73 | $803.30 | $2,000 | $8,200 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $937.29 | $1,142.99 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $499/mo | $449 | $590 | 4 | 2 |
| 2023 | $520/mo | $475 | $585 | 5 | 2 |
| 2024 | $522/mo | $479 | $598 | 7 | 2 |
| 2025 | $539/mo | $492 | $680 | 6 | 2 |
| 2026 | $581/mo | $480 | $965 | 15 | 3 |
What this means for Adair
Use Adair's own numbers here, not a national average, before you enroll.
- $581/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 42 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Adair's Silver premium in the lower band?
Adair ranks #1466 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $581/mo. See /methodology#corpus-placement.
How many ACA plans are available in Adair, OK?
There are 42 ACA marketplace plans available in Adair from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Adair?
The lowest-premium plan in Adair starts at $384/mo (Bronze tier, age 27). Silver plans start at $480/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Adair?
The benchmark (second-lowest Silver) premium in Adair is $486/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Adair premiums rise +18.0% year-over-year?
The average age-27 premium in Adair changed by +18.0% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Adair?
The average annual deductible across all plans in Adair is $4,724, and the average out-of-pocket maximum is $9,032. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Adair?
There are 3 insurance issuers offering ACA marketplace plans in Adair, including Ambetter of Oklahoma, Blue Cross and Blue Shield of Oklahoma, Medica. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Adair, OK's $486/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Adair, OK, both outside OK so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($486/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.