ACA plans available
84
Plan year 2026
2026 data Public-data reference. official source
McClain, Oklahoma Health Insurance
Open-data reference.
84 ACA plans from 6 issuers - Plan year 2026
McClain, Oklahoma offers 84 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.
$579
Avg Silver Premium/mo
$466
Benchmark Premium/mo
+35.0%
Year-over-Year Change
$4,814
Avg Deductible
What the Numbers Say About McClain
McClain, Oklahoma has 84 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $579/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 $4,814 and the average out-of-pocket maximum is $9,231 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in McClain shifted by +35.0%, 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 McClain, consumers have meaningful competition to pressure premiums lower. PPO is the most common network type in McClain, with HMO rounding out the alternatives. 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$579/mo avg
$460 - $1,066
Gold
23 plans$620/mo avg
$475 - $1,034
Catastrophic plan available: avg $749/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in McClain 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
$4,814
Across all metal tiers
McClain ACA plans by premium and deductible
Each marker is the McClain 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 McClain, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in McClain
| 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 |
| Medica | 9 | $675/mo |
| Mending Health | 6 | $554/mo |
All Plans in McClain
| 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 | $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 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $421.04 | $513.45 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Oklahoma | Expanded Bronze | PPO | $425.64 | $519.05 | $0 | $10,500 |
| 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 |
| Harmony by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | PPO | $526.34 | $641.86 | $7,500 | $10,600 |
| Blue Advantage Bronze PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Expanded Bronze | PPO | $530.81 | $647.31 | $7,500 | $10,000 |
| Harmony by Medica Expanded Bronze Standard Medica | Expanded Bronze | PPO | $537.39 | $655.33 | $7,500 | $10,000 |
| Harmony by Medica Bronze Premier Medica | Expanded Bronze | PPO | $555.72 | $677.68 | $2,000 | $10,600 |
| 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 |
| 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 |
| Harmony by Medica Silver $0 Copay PCP Visits Medica | Silver | PPO | $742.46 | $905.41 | $3,500 | $10,450 |
| Harmony by Medica Silver Share Medica | Silver | PPO | $743.69 | $906.91 | $3,525 | $8,850 |
| Harmony by Medica Silver Standard Medica | Silver | PPO | $791.01 | $964.61 | $6,000 | $8,900 |
| 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 |
| MyBlue Gold HMO℠ 804 Blue Cross and Blue Shield of Oklahoma | Gold | HMO | $547.96 | $668.22 | $1,000 | $10,600 |
| 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 |
| Harmony by Medica Gold $0 Copay PCP Visits Medica | Gold | PPO | $702.58 | $856.78 | $1,500 | $8,800 |
| Harmony by Medica Gold Share Medica | Gold | PPO | $711.48 | $867.63 | $2,500 | $5,900 |
| Harmony by Medica Gold Standard Medica | Gold | PPO | $768.77 | $937.49 | $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 | $500/mo | $444 | $628 | 5 | 2 |
| 2023 | $471/mo | $393 | $629 | 13 | 3 |
| 2024 | $486/mo | $395 | $657 | 16 | 3 |
| 2025 | $474/mo | $363 | $759 | 25 | 6 |
| 2026 | $579/mo | $460 | $1,066 | 32 | 6 |
Frequently Asked Questions
How many ACA plans are available in McClain, OK?
There are 84 ACA marketplace plans available in McClain from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in McClain?
The lowest-premium plan in McClain 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 McClain?
The benchmark (second-lowest Silver) premium in McClain 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 McClain?
Average premiums in McClain changed by +35.0% 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 McClain?
The average annual deductible across all plans in McClain is $4,814, and the average out-of-pocket maximum is $9,231. 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 McClain?
There are 6 insurance issuers offering ACA marketplace plans in McClain, 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 McClain, 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
