Best Cheap Health Insurance in Oklahoma 2024

The Clear Silver plan from Ambetter is the best cheap health insurance in Oklahoma, with rates as low as $462 per month.

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Specifically, it's the cheapest Silver plan in Oklahoma City. If you live in Tulsa, however, the MyBlue Silver 709 is the best cheap plan. Medica and Blue Cross Blue Shield have the cheapest Bronze and Gold plans in Oklahoma, respectively.

In Oklahoma, health insurance costs an average of $596 per month for a 40-year-old with a Silver plan.

UnitedHealthcare and Blue Cross Blue Shield are the best health insurance companies in Oklahoma. But Blue Cross Blue Shield is the most popular. Almost 8 in 10 active health insurance plans in Oklahoma are from BCBS.

How much does health insurance cost in Oklahoma?

The average cost of health insurance in Oklahoma is $596 per month for a 40-year-old with a Silver plan. The level of coverage you buy impacts how much you pay. Gold plans tend to cost more because they pay for a higher share of your medical bills. Bronze and Catastrophic plans tend to cost less, but you have to pay for more of your medical care yourself.

Average cost of health insurance in Oklahoma by age and plan tier

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In Oklahoma, as in most states, you pay higher rates for health insurance as you age. Across all plan tiers, a 60-year-old pays more than twice the amount that a 40-year-old pays for the same coverage. That's because as you get older, the likelihood that you'll need frequent or more expensive medical care increases.

Cheapest health insurance in Oklahoma

The Clear Silver plan from Ambetter is the best cheap health insurance in Oklahoma. Silver plans tend to be a solid option for most people because they offer good coverage at a more affordable rate than Gold plans.

CommunityCare, Medica and Blue Cross Blue Shield are all good cheap options for other levels of coverage.

Cheapest plan
Monthly cost
Catastrophic CommunityCare Catastrophic Select $237
Bronze Balance by Medica Bronze Standard $354
Silver Ambetter Clear Silver $462
Gold BCBS MyBlue Gold 704 $468

Monthly costs are for a 40-year-old.


Most people in Oklahoma choose Bronze health insurance plans. But it's always a good idea to check the rates for higher-level plans, especially because you probably won't have to pay full price for health insurance from

Most people qualify for rate subsidies that give you a lower monthly cost. Four out of 5 people in the U.S. could find a plan for $10 or less per month, per the Biden administration. If you qualify for a rate subsidy, you may be able to get more coverage and stay within your budget.

Finding your best health insurance coverage in Oklahoma

In Oklahoma, the best health insurance plan for you depends on how often you go to the doctor, what your overall medical needs are, how much you can afford to spend each month and your overall financial health.

If you go to the doctor often, need expensive treatments or take pricey prescription medications, you should probably buy a higher-tier plan, like Gold. If you are young and healthy and want a lower monthly premium, a lower-tier Bronze plan could be best.

Gold plans: Best for people with high medical costs

Gold plans have the highest monthly premiums because they pay the biggest portion of your medical bills. With a Gold plan, you'll likely have lower deductibles and out-of-pocket limits, which means you pay a lower amount before your coverage kicks in. The higher level of coverage offered by Gold plans usually offsets the higher monthly cost for people with expensive medical bills.

Silver plans: Best for most people

Silver plans are a middle ground between Gold and Bronze plans. They give you more coverage than Bronze but cost less than Gold. Silver plans are good for most people who have average medical needs.

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If you opt for a Silver plan, you could qualify for discounts to lower the amounts you pay for your deductible coinsurance and copays when you receive medical care. These are called cost-sharing reductions (CSRs).

You have to make less than around $36,000 per year as a single person or $75,000 per year as a family of four to qualify across the U.S. CSRs aren't the same as rate subsidies, which lower the monthly cost of a plan. Rate subsidies are available on Bronze, Silver and Gold plans, while CSRs are available only on Silver plans.

Bronze and Catastrophic plans: Best if you are young and healthy

Bronze and Catastrophic plans are often the cheapest options, but they require you to pay more when you go to the doctor. If you don't need much medical care, these plans can be a good option. But make sure you have the savings to pay for high medical costs in case something serious happens, such as a major illness or a hospital stay.

Bronze plans are available to anyone, but you have to be under 30 or otherwise qualify for an exception to buy a Catastrophic plan. You also can't lower your monthly rate with subsidies, also called premium tax credits, on a Catastrophic plan like you can on the other plan levels.

Medicaid: Best if you have a low income

SoonerCare is Oklahoma's Medicaid program, and it's designed to give health insurance coverage to low-income households. To qualify for Medicaid in Oklahoma, you have to make less than about $20,000 per year as an individual or $41,000 as a family of four. If you're a child under age 19 or a pregnant woman, you may be able to qualify with a higher income.

Are health insurance rates going up in Oklahoma?

Health insurance rates in Oklahoma have gone down for 2024. Bronze plans are the most popular option in the state, and they cost $35 less per month in 2024 compared to 2023. Silver, Gold and Catastrophic plans are also cheaper.

Change (2023 vs. 2024)
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Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Oklahoma

UnitedHealthcare and Blue Cross Blue Shield sell the best health insurance plans in Oklahoma.

While Ambetter has the cheapest Silver plan in Oklahoma, UnitedHealthcare and Blue Cross Blue Shield usually offer better quality plans. Both companies have high customer satisfaction and are widely accepted by doctors and hospitals. UnitedHealthcare has lower average rates for Silver plans compared to BCBS. But BCBS has the cheapest Silver plan in 40 out of Oklahoma's 77 counties.

Best health insurance companies in Oklahoma

UnitedHealthcare logo
BlueCross BlueShield  logo
Oscar logo
Ambetter logo
CommunityCare of Oklahoma logo
Community CareNot yet rated$542
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Average monthly cost for a 40-year-old buying a Silver plan in OK. Ratings are based on editor reviews of the company.


You may want to be cautious about buying a plan from Oscar or Medica in Oklahoma. Both companies have very low ratings from Medica only has 2 out of 5 stars. And although ValuePenguin gives Oscar 3.5 stars based on an analysis of its plans nationwide, gives Oscar only 1 star in Oklahoma. The company gets 55% more complaints about its health insurance than an average company its size, according to the National Association of Insurance Commissioners.

Cheapest health insurance plan by Oklahoma county

Where you live in Oklahoma affects what companies and plans are available to you. That's why it's a good idea to compare all the health insurance plans in your area, so you can see which company has the best rate for the coverage you need.

If you live in Oklahoma City, the Clear Silver plan from Ambetter is the cheapest Silver plan. But in Tulsa, the cheapest Silver plan is the MyBlue Silver 709 from BCBS.

Cheapest plan
Monthly rates
AdairBCBS Blue Advantage Silver 204$595
AlfalfaAmbetter Clear Silver$462
AtokaBCBS Blue Advantage Silver 204$595
BeaverBCBS Blue Advantage Silver 802$585
BeckhamBCBS Blue Advantage Silver 204$595
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Oklahoma

A couple with two children under age 15 pays an average of $1,906 per month for a Silver health insurance plan in Oklahoma. Each child under 15 adds a flat rate of $357 per month to a Silver plan. Once your child turns 15, their rate will increase each year with their age.

Family size
Average cost
Individual and child$953
Couple, age 40$1,192
Family of three (adult couple and a child)$1,549
Family of four (adult couple and two children)$1,906
Family of five (adult couple and three children)$2,263

Average cost of health insurance in Oklahoma by plan type

You can choose between two types of health insurance networks in Oklahoma: HMOs and PPOs.

  • Health maintenance organizations, also called HMOs, are cheaper, but they require you to have a primary care doctor to coordinate your medical care and get a referral before you see a specialist. You also have to stay within the plan's list of approved medical offices to have coverage. If you go to a doctor outside the list, you'll pay the full price for the visit and any treatments you get.
  • Preferred provider organizations, also called PPOs, let you go to any doctor without a referral. And you can see doctors who are outside the plan's network and still have some coverage, although you'll pay more at out-of-network locations. Because they give you more flexibility, PPOs are typically more expensive.

Monthly costs are for a 40-year-old.

Short-term health insurance in Oklahoma

In Oklahoma, you can buy a short-term health insurance plan that lasts up to a year and can be continued for up to three years. Short-term health insurance can be a good idea if you only need coverage for a few months, like between jobs.

But if you need coverage for longer, it probably makes more sense to buy a plan from These plans usually give you more coverage and cover more medical scenarios than short-term health insurance plans do.

Frequently asked questions

What's the best health insurance company in Oklahoma?

UnitedHealthcare and Blue Cross Blue Shield are the best health insurance companies in Oklahoma based on their high plan quality, competitive rates and good customer satisfaction. But the best health insurance for you might come from a different company. It depends on your medical needs and budget, as well as the plans available where you live.

How much is health insurance in Oklahoma per month?

A Silver health insurance plan costs an average of $596 per month in Oklahoma for a 40-year-old. You will pay a different price that is based on your age, plan tier, location, family size and tobacco use. You might also be able to get a lower rate with a subsidy, which is based on your annual income.


The 2024 health insurance premiums and plan information used in this analysis were sourced from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin determined the average rates by plan tier, family size and region using reference cost data from CMS public use files. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this data set may not appear. Other sources include Kaiser Family Foundation and the National Association of Insurance Commissioners.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.