ACA plans available
55
Plan year 2026
2026 data Public-data reference. official source
Cotton, Oklahoma Health Insurance
Open-data reference.
55 ACA plans from 4 issuers - Plan year 2026
Cotton, Oklahoma offers 55 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $450/mo and Silver plans start at $480/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$599
Avg Silver Premium/mo
$486
Benchmark Premium/mo
+37.1%
Year-over-Year Change
$4,655
Avg Deductible
What the Numbers Say About Cotton
Cotton, Oklahoma has 55 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $599/mo for a 27-year-old non-tobacco user, with the lowest Silver at $480 and the highest at $965. Bronze plans start at $450/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $486/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,655 and the average out-of-pocket maximum is $9,019 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Cotton shifted by +37.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Cotton, consumers have meaningful competition to pressure premiums lower. The local market is heavily PPO-dominated -- shoppers who specifically want a HMO network have only a handful of plans to choose from here. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
2 plans$461/mo avg
$450 - $472
Silver
20 plans$599/mo avg
$480 - $965
Gold
17 plans$621/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 premium (2nd-lowest Silver plan) in Cotton 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
4
Competitive market
Benchmark Silver
$486 /mo
Sets your subsidy ceiling
Avg deductible
$4,655
Across all metal tiers
Cotton ACA plans by premium and deductible
Each marker is the Cotton 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.
Source: CMS Marketplace Public Use Files for Cotton, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Cotton
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Oklahoma | 20 | $492/mo |
| UnitedHealthcare | 13 | $599/mo |
| Blue Cross and Blue Shield of Oklahoma | 13 | $670/mo |
| Medica | 9 | $525/mo |
All Plans in Cotton
| 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 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $450.17 | $548.97 | $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 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $466.57 | $568.97 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $486.48 | $593.24 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $490.67 | $598.36 | $0 | $10,600 |
| 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 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $638.15 | $778.21 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $643.21 | $784.37 | $2,900 | $9,500 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $650.89 | $793.74 | $2,600 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $663.12 | $808.65 | $2,900 | $9,500 |
| Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $670.54 | $817.70 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $670.80 | $818.02 | $2,600 | $9,200 |
| 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 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $639.54 | $779.90 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | HMO | $645.99 | $787.76 | $2,000 | $7,000 |
| Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $658.73 | $803.30 | $2,000 | $8,200 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $665.90 | $812.04 | $2,000 | $7,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $675.14 | $823.31 | $0 | $7,000 |
| 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 | $455/mo | $379 | $598 | 15 | 3 |
| 2025 | $495/mo | $396 | $680 | 9 | 3 |
| 2026 | $599/mo | $480 | $965 | 20 | 4 |
Frequently Asked Questions
How many ACA plans are available in Cotton, OK?
There are 55 ACA marketplace plans available in Cotton from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Cotton?
The lowest-premium plan in Cotton starts at $450/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 Cotton?
The benchmark (second-lowest Silver) premium in Cotton is $486/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Cotton?
Average premiums in Cotton changed by +37.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Cotton?
The average annual deductible across all plans in Cotton is $4,655, and the average out-of-pocket maximum is $9,019. 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 Cotton?
There are 4 insurance issuers offering ACA marketplace plans in Cotton, including Ambetter of Oklahoma, UnitedHealthcare, Blue Cross and Blue Shield of Oklahoma, and others. 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 Cotton, OK's $486/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
