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CatastrophicHMOHSA Eligible

CommunityCare Catastrophic

CommunityCare

Starting at

$299

/month before subsidy

Key facts

CommunityCare Catastrophic is a 2026 Catastrophic HMO health insurance plan from CommunityCare, sold on the ACA Marketplace in Oklahoma under plan ID 98905OK0130024. The monthly premium starts at $299 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
98905OK0130024
Plan year
2026
State
Oklahoma
Metal level
Catastrophic
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$10,600

Family: $21,200

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

0%

You pay after deductible

Network Type

HMO

OKN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$35.00 Copay after deductible
Specialist VisitNo Charge after deductible
Urgent CareNo Charge after deductible
Emergency RoomNo Charge after deductible

Prescription Drugs

Generic DrugsNo Charge after deductible
Brand Name DrugsNo Charge after deductible
Specialty DrugsNo Charge after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
2.0overall
Medical care

How well doctors manage and coordinate care

Member experience

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,680

your estimated cost

Deductible
$10,600
Copays
$0
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$4,720

your estimated cost

Deductible
$4,600
Copays
$100
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,800
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by CommunityCare. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Catastrophic HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.

Consider this plan if you:

  • Rarely visit the doctor beyond annual checkups
  • Have savings to cover the $10,600 deductible if needed
  • Primarily need coverage for unexpected emergencies
  • Want to minimize monthly healthcare expenses

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,182/month

Annual Premium

$3,588

OOP Maximum

$10,600

💡 What this means:

With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.

More plans from CommunityCare in Oklahoma

View all Marketplace plans in Oklahoma

Frequently asked questions about CommunityCare Catastrophic

How much does CommunityCare Catastrophic cost per month?

CommunityCare Catastrophic from CommunityCare starts at $299 per month before any subsidy in Oklahoma. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for CommunityCare Catastrophic?

The individual medical deductible is $10,600, and the family deductible is $21,200. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for CommunityCare Catastrophic?

The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is CommunityCare Catastrophic HSA-eligible?

Yes. CommunityCare Catastrophic is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does CommunityCare Catastrophic use?

CommunityCare Catastrophic is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

Understand what you'd actually pay

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Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.