Ascenson St. John Empower Gold $0 PCP
Starting at
$679
/month before subsidy
Ascenson St. John Empower Gold $0 PCP is a 2027 Gold HMO health insurance plan from CommunityCare, sold on the ACA Marketplace in Oklahoma under plan ID 98905OK0340005. The monthly premium starts at $679 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,000 ($4,000 for a family), and the individual out-of-pocket maximum is $8,900 ($17,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 98905OK0340005
- Plan year
- 2027
- State
- Oklahoma
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,000
Family: $4,000
Out-of-Pocket Max
$8,900
Family: $17,800
Coinsurance
40%
You pay after deductible
Network Type
HMO
OKN002
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
$6,070
your estimated cost
- Deductible
- $2,000
- Copays
- $10
- Coinsurance
- $4,000
Managing type 2 diabetes
A year of routine care
$1,420
your estimated cost
- Deductible
- $100
- Copays
- $1,200
- Coinsurance
- $100
A simple fracture
ER visit + follow-up
$2,180
your estimated cost
- Deductible
- $2,000
- Copays
- $80
- Coinsurance
- $100
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
$1,421/month
Annual Premium
$8,148
OOP Maximum
$8,900
💡 What this means:
With a $2,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,900 total. Then insurance covers everything else for the year.
More plans from CommunityCare in Oklahoma
- CommunityCare Catastrophicfrom $477/mo
- Ascension St. John Empower Bronze $0 Medical Deductiblefrom $543/mo
- Ascension St. John Empower Bronze $0 PCPfrom $548/mo
- Ascension St. John Empower Expanded Bronze Standardizedfrom $557/mo
- CommunityCare Bronze Prairiefrom $617/mo
- CommunityCare Bronze Tallgrassfrom $619/mo
- CommunityCare DPC Bronze $0 PCPfrom $610/mo
- CommunityCare DPC Expanded Bronze Standardizedfrom $612/mo
Frequently asked questions about Ascenson St. John Empower Gold $0 PCP
How much does Ascenson St. John Empower Gold $0 PCP cost per month?
Ascenson St. John Empower Gold $0 PCP from CommunityCare starts at $679 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 Ascenson St. John Empower Gold $0 PCP?
The individual medical deductible is $2,000, and the family deductible is $4,000. 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 Ascenson St. John Empower Gold $0 PCP?
The most you would pay in a year for covered in-network care is $8,900 for an individual and $17,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Ascenson St. John Empower Gold $0 PCP HSA-eligible?
No. Ascenson St. John Empower Gold $0 PCP 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 Ascenson St. John Empower Gold $0 PCP use?
Ascenson St. John Empower Gold $0 PCP 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.