SimpliveraCoverage Companion
Oklahoma · 2026 plan year

Silver health insurance plans in Oklahoma (2026)

There are 64 Silver plans on the Oklahoma Marketplace from 6 insurers, and they are not interchangeable — premiums run from $439 to $1,017 a month for the same metal tier. Here is what separates them.

64
Silver plans
6
Insurers
77
Counties covered
$439
Cheapest premium
$5,900
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Silver plan in Oklahoma costs 2.3× the cheapest.

Silver plans here run from $439 to $1,017 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 64 plans is right for you.

Oklahoma Silver premiums rank 24th cheapest of 35.

Averaged across all 64 plans, Silver coverage in Oklahoma costs $580 a month before subsidies — 24th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Silver plan costs in Oklahoma in 2026

Across all 64 Silver plans in Oklahoma, monthly premiums run from $439 to $1,017, averaging $580. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Oklahoma enrollees, often to a fraction of the sticker price.

Deductibles

Silver plan deductibles in Oklahoma

Silver deductibles in Oklahoma run from $1,025 to $7,000, with a median of $5,900 across the 63 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $4,698 because the spread is not symmetric. The other 1 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Silver out-of-pocket maximums in Oklahoma

Individual out-of-pocket maximums on Oklahoma Silver plans run from $7,600 to $10,600, with a median of $8,900. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Silver plans in Oklahoma

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard SilverAmbetter of Oklahoma$439$6,000$8,900
Silver Simple PCP SaverOscar Insurance Company$440$5,750$8,600
Silver Classic StandardOscar Insurance Company$442$6,000$8,900
Silver Simple DiabetesOscar Insurance Company$444$6,500$10,000
Focused SilverAmbetter of Oklahoma$444$6,300$8,400

Showing 5 of 64. See all Oklahoma Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Oklahoma29$520$674$1,025–$6,000
Medica9$445$565$3,500–$6,000
Ambetter of Oklahoma8$439$457$5,000–$6,300
Oscar Insurance Company7$440$447$5,750–$6,500
CommunityCare6$449$479$6,000–$7,000
UnitedHealthcare5$550$562$2,600–$6,000
Other tiers in Oklahoma

How Silver compares to the rest

Bronze
Avg $448 · from $315
58 plans
Silver
Avg $580 · from $439
64 plans · you are here
Gold
Avg $598 · from $421
52 plans

All OklahomaMarketplace plans →

Nearby on price

States with similar Silver premiums

Florida
Avg $568
161 Silver plans
Montana
Avg $580
28 Silver plans
Tennessee
Avg $583
62 Silver plans
Common questions

Oklahoma Silver plans, answered

What are the copays on Oklahoma Silver plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 64 Silver plans in Oklahoma, out-of-pocket maximums run $7,600 to $10,600, and deductibles on the 63 plans with one combined deductible run $1,025 to $7,000. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Oklahoma?
Anyone eligible to buy Marketplace coverage in Oklahoma can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($580 a month on average) is higher than Gold in some states.
What is the deductible on Oklahoma Silver plans?
Silver deductibles in Oklahoma run from $1,025 to $7,000 across the 63 plans with one combined deductible, with a median of $5,900 — that median is the figure closest to a typical plan. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Out-of-pocket maximums run $7,600 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Silver plans available in my Oklahoma county?
Silver plans are sold in 77 Oklahoma counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Oklahoma?
Oklahoma uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Silver premiums in Oklahoma start at $439 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 64 Oklahoma Silver plans.

Estimate my costs — it’s free →