ACA plans available
28
Plan year 2026
CMS Marketplace county · plan year 2026
Stephens, 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
- $669
- Silver avg/mo
- 28
- ACA plans
- 3
- Issuers
- +25.8%
- YoY premium
Silver avg $669/mo
Stephens, Oklahoma has 28 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $669/mo; Bronze averages $496/mo and Gold $650/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #756 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $578/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Stephens, Oklahoma ranks #756 of 2,055 counties by listed Silver average ($669/mo) and #1,737 of 2,055 by plan count (28 plans).
- #756 of 2,055
- Silver average among 2,055 counties
- $669
- Listed Silver average /mo
- #1,737 of 2,055
- Plan count among 2,055 counties
- 28
- 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.
Stephens, Oklahoma offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $409/mo and Silver plans start at $577/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$669
Avg Silver Premium/mo
$578
Benchmark Premium/mo
+25.8%
Year-over-Year Change
$4,383
Avg Deductible
Thin plan inventory
Stephens marketplace standing
28 plans: bottom-third inventory vs other tracked counties. Corpus place #756 of 2055 (highest Silver = #1).
Mid-pack Silver avg $669/mo with 28 plans . YoY average shift: +25.8%. The local market is heavily PPO-dominated -- shoppers who specifically want a HMO network have only a handful of plans to choose from here.
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
9 plans$496/mo avg
$409 - $732
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 (second-lowest Silver) premium 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.
Issuers in market
3
Some competition
Benchmark Silver
$578 /mo
Sets your subsidy ceiling
Avg deductible
$4,383
Across all metal tiers
D
Marketplace Access Score
45/100
Stephens
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 F
$578/mo
Benchmark Silver premium; rank #756 of 2055 tracked counties (cheapest first)
Plan Choice F
28 plans
ACA marketplace plan count; rank #1737 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1540 of 2055 tracked counties (most first)
Cost Predictability A+
$4,383
Average deductible across tracked plans; rank #1944 of 2055 tracked counties (lowest first)
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.
Stephens ACA marketplace plans: premium vs deductible
How Stephens's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Stephens vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$669 756th of 2055 higher than 1,299 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 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 |
What this means for Stephens
Use Stephens's own numbers here, not a national average, before you enroll.
- $669/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 28 plans from 3 issuers puts Stephens in the thinnest third of tracked counties -- check the rest of Oklahoma for more options. All of Oklahoma
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
Where does Stephens sit on Silver premiums vs other counties?
Stephens ranks #756 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $669/mo. See /methodology#corpus-placement.
Why does Stephens carry a thin ACA plan book?
Stephens lists 28 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Stephens?
The lowest-premium plan in Stephens starts at $409/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.
Why did Stephens premiums rise +25.8% year-over-year?
The average age-27 premium in Stephens changed by +25.8% 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 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.
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 Stephens, 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 ($578/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 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.