ACA plans available
85
Plan year 2026
CMS Marketplace county · plan year 2026
Lincoln, 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
- $559
- Silver avg/mo
- 85
- ACA plans
- 6
- Issuers
- +22.2%
- YoY premium
Silver avg $559/mo
Lincoln, Oklahoma has 85 ACA marketplace plans from 6 issuers (plan year 2026). Average Silver premium is $559/mo; Bronze averages $439/mo and Gold $597/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1620 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $466/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Lincoln, Oklahoma ranks #1,620 of 2,055 counties by listed Silver average ($559/mo) and #139 of 2,055 by plan count (85 plans).
- #1,620 of 2,055
- Silver average among 2,055 counties
- $559
- Listed Silver average /mo
- #139 of 2,055
- Plan count among 2,055 counties
- 85
- 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.
Lincoln, Oklahoma offers 85 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $358/mo and Silver plans start at $460/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$559
Avg Silver Premium/mo
$466
Benchmark Premium/mo
+22.2%
Year-over-Year Change
$5,023
Avg Deductible
Lower-premium band
Lincoln in the lower-premium third
$559/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1620 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $460–$1,066/mo. 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.
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
28 plans$439/mo avg
$358 - $809
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 (second-lowest Silver) premium 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.
Issuers in market
6
Competitive market
Benchmark Silver
$466 /mo
Sets your subsidy ceiling
Avg deductible
$5,023
Across all metal tiers
B+
Marketplace Access Score
77/100
Lincoln
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+
$466/mo
Benchmark Silver premium; rank #1620 of 2055 tracked counties (cheapest first)
Plan Choice A+
85 plans
ACA marketplace plan count; rank #139 of 2055 tracked counties (most first)
Issuer Competition A+
6 issuers
Distinct marketplace issuers; rank #167 of 2055 tracked counties (most first)
Cost Predictability D
$5,023
Average deductible across tracked plans; rank #1011 of 2055 tracked counties (lowest first)
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.
Lincoln ACA marketplace plans: premium vs deductible
How Lincoln's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Lincoln vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$559 1620th of 2055 higher than 435 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 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 |
What this means for Lincoln
Use Lincoln's own numbers here, not a national average, before you enroll.
- $559/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
- 85 plans from 6 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 Lincoln's Silver premium in the lower band?
Lincoln ranks #1620 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $559/mo. See /methodology#corpus-placement.
How many ACA plans compete in Lincoln?
Lincoln carries 85 ACA plans from 6 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Lincoln?
The lowest-premium plan in Lincoln starts at $358/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.
Why did Lincoln premiums rise +22.2% year-over-year?
The average age-27 premium in Lincoln changed by +22.2% 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 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 issuers compete in Lincoln's crowded market?
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.
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 Lincoln, 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 ($466/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (6 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.