Health insurance plans in Harmon County, OK (2026)
78 marketplace plans from 6 insurers are offered in Harmon County. The cheapest silver plan is $570 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $436 | 25 |
| Silver | $570 | 31 |
| Gold | $579 | 20 |
| Catastrophic | $314 | 2 |
All plans in Harmon County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| CommunityCare | CommunityCare Catastrophic | Catastrophic | HMO | — | — | $314 |
| Oscar Insurance Company | Bronze Simple | Bronze | PPO | — | — | $436 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | PPO | — | — | $456 |
| Oscar Insurance Company | Bronze Simple Diabetes | Bronze | PPO | — | — | $465 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | PPO | — | — | $468 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Bronze | PPO | — | — | $474 |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) · UHC Bronze-X Essential (No Referrals) | Bronze | HMO | — | — | $495 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | PPO | $0 | — | $506 |
| CommunityCare | CommunityCare Expanded Bronze Standardized | Bronze | HMO | — | — | $509 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) · UHC Bronze-X Standard (No Referrals) | Bronze | HMO | — | — | $513 |
| CommunityCare | CommunityCare Bronze IH223 | Bronze | HMO | — | — | $517 |
| CommunityCare | CommunityCare Bronze IH224 | Bronze | HMO | — | — | $520 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) · UHC Bronze-X Standard+ (Dental + Vision, No Referrals) | Bronze | HMO | — | — | $535 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) · UHC Bronze-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | $0 | — | $540 |
| Ambetter of Oklahoma | Everyday Bronze | Bronze | PPO | — | — | $541 |
| Ambetter of Oklahoma | Standard Expanded Bronze | Bronze | PPO | — | — | $541 |
| Ambetter of Oklahoma | Everyday Bronze + Vision + Adult Dental | Bronze | PPO | — | — | $564 |
| Ambetter of Oklahoma | Standard Expanded Bronze + Vision + Adult Dental | Bronze | PPO | — | — | $564 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | PPO | — | — | $570 |
| Mending Health | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | Bronze | HMO | — | — | $571 |
| Oscar Insurance Company | Silver Classic Standard | Silver | PPO | — | — | $572 |
| CommunityCare | Ascension St. John Empower Silver | Silver | HMO | — | — | $574 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 202 | Bronze | PPO | — | — | $575 |
| Oscar Insurance Company | Silver Simple Diabetes | Silver | PPO | — | — | $575 |
| Oscar Insurance Company | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | PPO | — | — | $577 |
| Oscar Insurance Company | Gold Classic Standard | Gold | PPO | — | — | $579 |
| Mending Health | MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) | Bronze | HMO | — | — | $582 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | Silver | PPO | — | — | $583 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits | Silver | PPO | — | — | $586 |
| Oscar Insurance Company | Silver Elite Saver Plus | Silver | PPO | $0 | — | $590 |
| CommunityCare | Ascension St. John Empower Silver Standardized | Silver | HMO | — | — | $596 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ Standard | Bronze | PPO | — | — | $611 |
| Ambetter of Oklahoma | Elite Bronze | Bronze | PPO | $0 | — | $625 |
| Ambetter of Oklahoma | Elite Bronze + Vision + Adult Dental | Bronze | PPO | $0 | — | $651 |
| Blue Cross and Blue Shield of Oklahoma | Blue Advantage Bronze PPO℠ 203 | Bronze | PPO | — | — | $656 |
| CommunityCare | CommunityCare Silver Standardized | Silver | HMO | — | — | $662 |
| CommunityCare | CommunityCare Gold L21 | Gold | HMO | — | — | $667 |
| CommunityCare | CommunityCare Gold Standardized | Gold | HMO | — | — | $667 |
| CommunityCare | CommunityCare Silver SLIH223 | Silver | HMO | — | — | $668 |
| CommunityCare | CommunityCare Silver L21 | Silver | HMO | — | — | $669 |
Showing 40 of 78 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $446 |
| 40 | $570 |
| 60 | $1,210 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Oklahoma · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Harmon County County?
The cheapest plan for a 40-year-old non-smoker is $314 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $570.
How much does health insurance cost in Harmon County County?
For a 40-year-old non-smoker the cheapest plans in Harmon County start around $314 a month before subsidies. Silver plans cost from $570; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Harmon County County?
6 insurers filed 78 plan options for this county in the 2026 CMS file.