ACA plans available
28
Plan year 2026
2026 data Public-data reference. official source
Stephens, Oklahoma Health Insurance
Open-data reference.
28 ACA plans from 3 issuers - Plan year 2026
Stephens, Oklahoma offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $472/mo and Silver plans start at $577/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$669
Avg Silver Premium/mo
$578
Benchmark Premium/mo
+34.8%
Year-over-Year Change
$4,383
Avg Deductible
What the Numbers Say About Stephens
Stephens, Oklahoma has 28 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $669/mo for a 27-year-old non-tobacco user, with the lowest Silver at $577 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 $578/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 $4,383 and the average out-of-pocket maximum is $9,363 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Stephens shifted by +34.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Stephens, consumers have some competitive choice, though narrower than the most competitive counties. 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
1 plan$472/mo avg
$472 - $472
Silver
9 plans$669/mo avg
$577 - $965
Gold
9 plans$650/mo avg
$546 - $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 Stephens is $578/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
3
Some competition
Benchmark Silver
$578 /mo
Sets your subsidy ceiling
Avg deductible
$4,383
Across all metal tiers
Stephens ACA plans by premium and deductible
Each marker is the Stephens 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 Stephens, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Stephens
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | 13 | $670/mo |
| Medica | 9 | $525/mo |
| Mending Health | 6 | $594/mo |
All Plans in Stephens
| 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 |
| 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 |
| MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health | Expanded Bronze | HMO | $477.30 | $582.05 | $4,950 | $10,150 |
| MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) Mending Health | Expanded Bronze | HMO | $486.72 | $593.54 | $7,500 | $10,000 |
| 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 |
| 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 |
| MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) Mending Health | Silver | HMO | $612.87 | $747.37 | $2,300 | $10,150 |
| 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 |
| 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 |
| MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) Mending Health | Silver | HMO | $693.01 | $845.11 | $6,000 | $8,900 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Oklahoma | Silver | PPO | $965.25 | $1,177.09 | $6,000 | $8,900 |
| 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 |
| Harmony by Medica Gold Standard Medica | Gold | PPO | $597.87 | $729.08 | $2,000 | $8,200 |
| MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) Mending Health | Gold | HMO | $608.68 | $742.26 | $0 | $8,800 |
| 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 |
| MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) Mending Health | Gold | HMO | $688.32 | $839.38 | $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 | $499/mo | $449 | $590 | 4 | 2 |
| 2023 | $533/mo | $475 | $585 | 12 | 3 |
| 2024 | $522/mo | $479 | $598 | 7 | 2 |
| 2025 | $545/mo | $492 | $680 | 8 | 3 |
| 2026 | $669/mo | $577 | $965 | 9 | 3 |
Frequently Asked Questions
How many ACA plans are available in Stephens, OK?
There are 28 ACA marketplace plans available in Stephens from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Stephens?
The lowest-premium plan in Stephens starts at $472/mo (Bronze tier, age 27). Silver plans start at $577/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Stephens?
The benchmark (second-lowest Silver) premium in Stephens is $578/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 Stephens?
Average premiums in Stephens changed by +34.8% 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 Stephens?
The average annual deductible across all plans in Stephens is $4,383, and the average out-of-pocket maximum is $9,363. 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 Stephens?
There are 3 insurance issuers offering ACA marketplace plans in Stephens, including Blue Cross and Blue Shield of Oklahoma, Medica, Mending Health. 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 Stephens, OK's $578/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
