ACA plans available
85
Plan year 2026
2026 data Public-data reference. official source
Lincoln, Oklahoma Health Insurance
Open-data reference.
85 ACA plans from 6 issuers - Plan year 2026
Lincoln, Oklahoma offers 85 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $406/mo and Silver plans start at $460/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$559
Avg Silver Premium/mo
$466
Benchmark Premium/mo
+30.5%
Year-over-Year Change
$5,023
Avg Deductible
What the Numbers Say About Lincoln
Lincoln, Oklahoma has 85 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $559/mo for a 27-year-old non-tobacco user, with the lowest Silver at $460 and the highest at $1,066. Bronze plans start at $406/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $466/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 $5,023 and the average out-of-pocket maximum is $9,139 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Lincoln shifted by +30.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Lincoln, consumers have meaningful competition to pressure premiums lower. Network types split fairly evenly here between PPO and HMO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. 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
4 plans$446/mo avg
$406 - $500
Silver
32 plans$559/mo avg
$460 - $1,066
Gold
23 plans$597/mo avg
$475 - $1,034
Catastrophic plan available: avg $503/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Lincoln is $466/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
6
Competitive market
Benchmark Silver
$466 /mo
Sets your subsidy ceiling
Avg deductible
$5,023
Across all metal tiers
Lincoln ACA plans by premium and deductible
Each marker is the Lincoln 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 Lincoln, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Lincoln
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | 22 | $645/mo |
| Ambetter of Oklahoma | 20 | $472/mo |
| Oscar Insurance Company | 14 | $436/mo |
| UnitedHealthcare | 13 | $541/mo |
| CommunityCare | 10 | $481/mo |
| Mending Health | 6 | $554/mo |
All Plans in Lincoln
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| CommunityCare Catastrophic CommunityCare | Catastrophic | HMO | $257.51 | $314.03 | $10,600 | $10,600 |
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Oklahoma | Catastrophic | PPO | $748.70 | $913.02 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $406.24 | $495.40 | $10,600 | $10,600 |
| MyBlue Bronze HMO℠ 902 Blue Cross and Blue Shield of Oklahoma | Bronze | HMO | $422.56 | $515.30 | $10,600 | $10,600 |
| MyBlue Bronze HMO℠ 904 Blue Cross and Blue Shield of Oklahoma | Bronze | HMO | $456.20 | $556.33 | $4,500 | $10,150 |
| Blue Advantage Bronze PPO℠ 202 Blue Cross and Blue Shield of Oklahoma | Bronze | PPO | $500.10 | $609.85 | $6,800 | $10,600 |
| Bronze Simple Oscar Insurance Company | Expanded Bronze | PPO | $357.59 | $436.06 | $9,000 | $10,600 |
| Everyday Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $368.53 | $449.42 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $368.78 | $449.71 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | PPO | $373.71 | $455.73 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | PPO | $381.34 | $465.03 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | PPO | $383.59 | $467.78 | $5,500 | $10,150 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $384.23 | $468.56 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $384.48 | $468.86 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | PPO | $388.97 | $474.34 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | PPO | $414.80 | $505.84 | $0 | $10,150 |
| CommunityCare Expanded Bronze Standardized CommunityCare | Expanded Bronze | HMO | $417.39 | $508.99 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $421.04 | $513.45 | $7,500 | $10,000 |
| CommunityCare Bronze IH223 CommunityCare | Expanded Bronze | HMO | $424.29 | $517.41 | $5,000 | $7,500 |
| Elite Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $425.64 | $519.05 | $0 | $10,500 |
| CommunityCare Bronze IH224 CommunityCare | Expanded Bronze | HMO | $426.31 | $519.87 | $7,150 | $7,150 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $439.01 | $535.36 | $7,500 | $10,000 |
| MyBlue Bronze HMO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | HMO | $441.92 | $538.91 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $442.79 | $539.97 | $0 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter of Oklahoma | Expanded Bronze | PPO | $443.77 | $541.16 | $0 | $10,500 |
| MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health | Expanded Bronze | HMO | $445.08 | $542.76 | $4,950 | $10,150 |
| MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) Mending Health | Expanded Bronze | HMO | $453.87 | $553.48 | $7,500 | $10,000 |
| Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $530.81 | $647.31 | $7,500 | $10,000 |
| Blue Advantage Bronze PPO℠ 203 Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $571.74 | $697.21 | $4,500 | $8,300 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $809.15 | $986.73 | $7,500 | $10,000 |
| Standard Silver Ambetter of Oklahoma | Silver | PPO | $460.22 | $561.23 | $6,000 | $8,900 |
| Focused Silver Ambetter of Oklahoma | Silver | PPO | $465.73 | $567.94 | $6,300 | $8,400 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | PPO | $467.43 | $570.01 | $5,750 | $8,600 |
| Silver Classic Standard Oscar Insurance Company | Silver | PPO | $468.69 | $571.55 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | PPO | $471.65 | $575.17 | $6,500 | $10,000 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Silver | PPO | $473.23 | $577.09 | $6,500 | $9,600 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of Oklahoma | Silver | PPO | $474.04 | $578.08 | $5,900 | $8,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Oklahoma | Silver | PPO | $474.65 | $578.81 | $5,000 | $8,650 |
| Silver Simple Chronic Care CKM Oscar Insurance Company | Silver | PPO | $478.16 | $583.10 | $5,900 | $10,150 |
| Standard Silver + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $479.82 | $585.13 | $6,000 | $8,900 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | PPO | $480.40 | $585.84 | $6,000 | $10,150 |
| Silver Elite Saver Plus Oscar Insurance Company | Silver | PPO | $484.04 | $590.26 | $0 | $10,150 |
| Focused Silver + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $485.57 | $592.13 | $6,300 | $8,400 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $494.23 | $602.70 | $5,900 | $8,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Oklahoma | Silver | PPO | $494.86 | $603.47 | $5,000 | $8,650 |
| CommunityCare Silver Standardized CommunityCare | Silver | HMO | $542.52 | $661.58 | $6,000 | $8,900 |
| CommunityCare Silver SLIH223 CommunityCare | Silver | HMO | $548.07 | $668.35 | $6,600 | $7,800 |
| CommunityCare Silver L21 CommunityCare | Silver | HMO | $548.82 | $669.27 | $7,000 | $7,600 |
| MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health | Silver | HMO | $571.50 | $696.92 | $2,300 | $10,150 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $575.89 | $702.27 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $580.44 | $707.83 | $2,900 | $9,500 |
| MyBlue Silver HMO℠ 705 Blue Cross and Blue Shield of Oklahoma | Silver | HMO | $582.61 | $710.48 | $2,950 | $10,150 |
| MyBlue Silver HMO℠ 803 Blue Cross and Blue Shield of Oklahoma | Silver | HMO | $585.98 | $714.58 | $3,000 | $10,600 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $587.38 | $716.29 | $2,600 | $9,200 |
| MyBlue Silver HMO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | HMO | $595.25 | $725.89 | $6,000 | $8,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $598.41 | $729.74 | $2,900 | $9,500 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $605.34 | $738.20 | $2,600 | $9,200 |
| MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) Mending Health | Silver | HMO | $646.24 | $788.06 | $6,000 | $8,900 |
| Blue Advantage Silver PPO℠ 501 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $675.87 | $824.19 | $3,500 | $10,600 |
| Blue Advantage Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $712.33 | $868.66 | $6,000 | $8,900 |
| Blue Advantage Silver PPO℠ 204 Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $716.84 | $874.16 | $1,025 | $10,150 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $1,066.04 | $1,299.99 | $6,000 | $8,900 |
| Gold Classic Standard Oscar Insurance Company | Gold | PPO | $474.61 | $578.76 | $2,000 | $8,200 |
| Standard Gold Ambetter of Oklahoma | Gold | PPO | $500.41 | $610.23 | $2,000 | $8,200 |
| Everyday Gold Ambetter of Oklahoma | Gold | PPO | $509.20 | $620.96 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $521.72 | $636.22 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $530.89 | $647.40 | $800 | $7,250 |
| CommunityCare Gold L21 CommunityCare | Gold | HMO | $546.85 | $666.86 | $3,800 | $7,500 |
| CommunityCare Gold Standardized CommunityCare | Gold | HMO | $547.29 | $667.40 | $2,000 | $8,200 |
| MyBlue Gold HMO℠ 804 Blue Cross and Blue Shield of Oklahoma | Gold | HMO | $547.96 | $668.22 | $1,000 | $10,600 |
| CommunityCare Gold IH221 CommunityCare | Gold | HMO | $550.23 | $670.98 | $1,100 | $8,500 |
| MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) Mending Health | Gold | HMO | $567.59 | $692.16 | $0 | $8,800 |
| Elite Gold Ambetter of Oklahoma | Gold | PPO | $576.14 | $702.58 | $0 | $6,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $577.14 | $703.80 | $2,000 | $8,200 |
| MyBlue Gold HMO℠ 704 Blue Cross and Blue Shield of Oklahoma | Gold | HMO | $580.27 | $707.62 | $1,000 | $7,000 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | HMO | $582.96 | $710.90 | $2,000 | $7,000 |
| MyBlue Gold HMO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | HMO | $586.98 | $715.81 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter of Oklahoma | Gold | PPO | $600.68 | $732.51 | $0 | $6,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $600.92 | $732.81 | $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 | $609.26 | $742.97 | $0 | $7,000 |
| MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) Mending Health | Gold | HMO | $641.86 | $782.72 | $2,000 | $8,200 |
| Blue Advantage Gold PPO℠ 309 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $658.02 | $802.43 | $1,050 | $10,600 |
| Blue Advantage Gold PPO℠ 604 Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $676.96 | $825.52 | $1,100 | $8,600 |
| Blue Advantage Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $700.80 | $854.60 | $2,000 | $8,200 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Gold | PPO | $1,033.75 | $1,260.62 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $563/mo | $444 | $806 | 5 | 2 |
| 2023 | $492/mo | $393 | $852 | 15 | 3 |
| 2024 | $467/mo | $395 | $657 | 20 | 3 |
| 2025 | $471/mo | $363 | $759 | 25 | 6 |
| 2026 | $559/mo | $460 | $1,066 | 32 | 6 |
Frequently Asked Questions
How many ACA plans are available in Lincoln, OK?
There are 85 ACA marketplace plans available in Lincoln from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Lincoln?
The lowest-premium plan in Lincoln starts at $406/mo (Bronze tier, age 27). Silver plans start at $460/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Lincoln?
The benchmark (second-lowest Silver) premium in Lincoln is $466/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 Lincoln?
Average premiums in Lincoln changed by +30.5% 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 Lincoln?
The average annual deductible across all plans in Lincoln is $5,023, and the average out-of-pocket maximum is $9,139. 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 Lincoln?
There are 6 insurance issuers offering ACA marketplace plans in Lincoln, including Blue Cross and Blue Shield of Oklahoma, Ambetter of Oklahoma, Oscar Insurance Company, 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 Lincoln, OK's $466/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
