ACA plans available
13
Plan year 2026
2026 data Public-data reference. official source
Custer, Oklahoma Health Insurance
Open-data reference.
13 ACA plans from 1 issuer - Plan year 2026
Custer, Oklahoma offers 13 ACA marketplace plans from 1 issuer for plan year 2026. Bronze plans start at $472/mo and Silver plans start at $637/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$737
Avg Silver Premium/mo
$671
Benchmark Premium/mo
+43.3%
Year-over-Year Change
$4,583
Avg Deductible
What the Numbers Say About Custer
Custer, Oklahoma has 13 ACA marketplace plans offered by 1 issuer for plan year 2026. The average Silver-tier premium comes in at $737/mo for a 27-year-old non-tobacco user, with the lowest Silver at $637 and the highest at $965. Bronze plans start at $472/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $671/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 $4,583 and the average out-of-pocket maximum is $9,512 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Custer shifted by +43.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 1 issuer active in Custer, consumers face limited competition, which historically correlates with higher benchmark premiums. Every plan sold in Custer is PPO -- there's no alternative network type in this county, so weigh PPO's referral rules and out-of-network coverage before enrolling. 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
1 plan$472/mo avg
$472 - $472
Silver
4 plans$737/mo avg
$637 - $965
Gold
4 plans$713/mo avg
$619 - $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 Custer is $671/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
1
Limited competition
Benchmark Silver
$671 /mo
Sets your subsidy ceiling
Avg deductible
$4,583
Across all metal tiers
Custer ACA plans by premium and deductible
Each marker is the Custer 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 Custer, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Custer
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | 13 | $670/mo |
All Plans in Custer
| 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 |
| 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 |
| 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 |
| Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $619.05 | $754.91 | $1,050 | $10,600 |
| 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 | $571/mo | $460 | $740 | 4 | 2 |
| 2023 | $581/mo | $476 | $782 | 5 | 2 |
| 2024 | $530/mo | $479 | $598 | 5 | 1 |
| 2025 | $565/mo | $507 | $680 | 3 | 1 |
| 2026 | $737/mo | $637 | $965 | 4 | 1 |
Frequently Asked Questions
How many ACA plans are available in Custer, OK?
There are 13 ACA marketplace plans available in Custer from 1 insurance issuer for plan year 2026.
What is the cheapest health insurance plan in Custer?
The lowest-premium plan in Custer starts at $472/mo (Bronze tier, age 27). Silver plans start at $637/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Custer?
The benchmark (second-lowest Silver) premium in Custer is $671/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 Custer?
Average premiums in Custer changed by +43.3% 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 Custer?
The average annual deductible across all plans in Custer is $4,583, and the average out-of-pocket maximum is $9,512. 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 Custer?
There are 1 insurance issuer offering ACA marketplace plans in Custer, including Blue Cross and Blue Shield of Oklahoma. 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 Custer, OK's $671/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
