CommunityCare Gold IH221
Starting at
$639
/month before subsidy
CommunityCare Gold IH221 is a 2026 Gold HMO health insurance plan from CommunityCare, sold on the ACA Marketplace in Oklahoma under plan ID 98905OK0130043. The monthly premium starts at $639 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,100 ($3,300 for a family), and the individual out-of-pocket maximum is $8,500 ($17,000 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 98905OK0130043
- Plan year
- 2026
- State
- Oklahoma
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,100
Family: $3,300
Out-of-Pocket Max
$8,500
Family: $17,000
Coinsurance
40%
You pay after deductible
Network Type
HMO
OKN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$5,290
your estimated cost
- Deductible
- $1,100
- Copays
- $10
- Coinsurance
- $4,100
Managing type 2 diabetes
A year of routine care
$1,120
your estimated cost
- Deductible
- $0
- Copays
- $900
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$2,000
your estimated cost
- Deductible
- $1,100
- Copays
- $400
- Coinsurance
- $500
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,347/month
Annual Premium
$7,668
OOP Maximum
$8,500
💡 What this means:
With a $1,100 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from CommunityCare in Oklahoma
- CommunityCare Catastrophicfrom $299/mo
- CommunityCare Bronze IH223from $493/mo
- CommunityCare Bronze IH224from $495/mo
- CommunityCare Expanded Bronze Standardizedfrom $485/mo
- Saint Francis Expanded Bronze Standardizedfrom $464/mo
- Ascension St. John Empower Silverfrom $574/mo
- Ascension St. John Empower Silver Standardizedfrom $596/mo
- CommunityCare Silver L21from $637/mo
Frequently asked questions about CommunityCare Gold IH221
How much does CommunityCare Gold IH221 cost per month?
CommunityCare Gold IH221 from CommunityCare starts at $639 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 Gold IH221?
The individual medical deductible is $1,100, and the family deductible is $3,300. 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 Gold IH221?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $17,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is CommunityCare Gold IH221 HSA-eligible?
No. CommunityCare Gold IH221 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does CommunityCare Gold IH221 use?
CommunityCare Gold IH221 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
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
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.