Best Cheap Health Insurance in Oklahoma (2026)
Blue Cross and Blue Shield of Oklahoma is the best health insurance company in Oklahoma. Silver plans start at $665 per month before discounts.
Best and cheapest health insurance in Oklahoma
Cheapest health insurance companies in Oklahoma
Ambetter of Oklahoma, Oscar and Medica have the most affordable health insurance in Oklahoma, with Silver plans starting at $561 per month before discounts.
Affordable health insurance in Oklahoma
Company |
Cost
| |
|---|---|---|
| Ambetter of Oklahoma | $561-$726 |
| Oscar | $563-$621 |
| Medica | $568-$970 |
| CommunityCare | $574-$669 |
- Ambetter has the cheapest medical insurance quotes for about two-thirds of all Oklahomans. The company also sells the most affordable health insurance plans in Oklahoma City and Tulsa.
- You can get a cheaper rate by choosing a Bronze plan. Medica has the cheapest Bronze plans in Oklahoma, with rates starting at $403 per month. Keep in mind, while Bronze plans have cheaper monthly rates, they require you to pay more for your medical care than Silver or Gold plans. | Mending Health used to be called Taro Health. The company changed its name and rebranded in 2025.
Cheapest Bronze plans in Oklahoma: Medica
Medica's Bronze plans start at $403 per month, the cheapest rate in Oklahoma.
Bronze plans are popular in Oklahoma, accounting for more than 4 in 10 plans sold on HealthCare.gov in the state. A Bronze plan can be a good option if you're young or generally healthy, but you should make sure you have enough savings to pay for a large share of your medical costs.
Medica has lower-than-average deductibles on its Bronze plans, too. You'll pay an average of $5,667 before your coverage starts, compared to a statewide average of $6,678.
Best health insurance companies in Oklahoma
Blue Cross and Blue Shield (BCBS) of Oklahoma is the best health insurance company in Oklahoma for most people.
BCBS has an excellent 5-out-of-5-star member experience rating from HealthCare.gov. This means Blue Cross and Blue Shield of Oklahoma customers report high levels of satisfaction with their plans.
Blue Cross and Blue Shield of Oklahoma gets significantly fewer complaints than an average insurance company of its size.
Best-rated health insurance companies in Oklahoma
Company |
ACA rating
|
VP rating
|
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | ||
| Ambetter of Oklahoma | ||
| UnitedHealthcare | ||
| CommunityCare | ||
| Mending Health | N/A |
- Blue Cross and Blue Shield doesn't have the highest overall rating in Oklahoma, but it's still the best company for most people in Oklahoma. That's because most doctors and hospitals take Blue Cross and Blue Shield coverage, which makes it easier to get medical care and use your plan.
- Ambetter is also a good company, but its network isn't as big as Blue Cross and Blue Shield's. That means it might be harder to use your coverage.
How much is health insurance in Oklahoma per month?
Health insurance in Oklahoma costs an average of $739 per month or around $156 per month after discounts.
- Higher plan tiers typically have more expensive monthly costs. In Oklahoma, Gold plans cost $194 per month more than Bronze plans, on average. However, you'll pay less when you go to the hospital with a Gold plan.
- Silver plans are a good option for most people, especially if you have a low income That's because you can qualify for extra discounts, called cost-sharing reductions (CSRs), with Silver plans.
- Rates rise sharply as you enter middle age. In Oklahoma, a 60-year-old typically pays more than twice as much as a 40-year-old for the same level of coverage.
Health insurance discount changes in Oklahoma for 2026
Discounts can save you hundreds of dollars per month on your Oklahoma medical insurance.
But the monthly cost for health insurance after discounts is going from about $62 in 2025 to about $156 in 2026. That's because discounts won't be as big in 2026 as they have been for the last five years. The bigger, "enhanced" subsidies are expiring at the end of 2025, unless Congress renews them.
Health insurance rates in Oklahoma after subsidies (2025 vs. 2026)
Income | 2025 rate | 2026 rate | Difference |
|---|---|---|---|
| $30,000 | $49 | $155 | 216% |
| $40,000 | $154 | $287 | 86% |
| $50,000 | $283 | $415 | 47% |
| $60,000 | $423 | $498 | 18% |
| $70,000 | $496 | $604 | 22% |
Average cost after subsidies for a single 40-year-old with a Benchmark Silver plan.
- What are subsidies? Subsidies are discounts you can get to make your monthly rate cheaper when you buy a plan on HealthCare.gov.
- Who gets subsidies? You can currently get subsidies if you make between $15,650 and $62,600 as an individual or between $32,150 and $128,600 per year as a family of four. If you can get Medicaid, you can't get subsidies. However, Congress is currently debating the future of the subsidy program and the eligibility requirements could change.
- How do you use subsidies? You can use subsidies to make any Bronze, Silver or Gold plan that you buy on HealthCare.gov cheaper. You can't use subsidies on Catastrophic plans.
- How much could you save? You can see how much you might save after subsidies by using ValuePenguin's subsidy calculator.
Cheap health insurance in Oklahoma by city
Ambetter of Oklahoma has the cheapest medical insurance for Oklahoma City, with Silver plans starting at $561 per month.
Ambetter of Oklahoma also has cheap rates in Tulsa and Norman. The cheapest company for you depends on where you live. For example, Oscar has the cheapest Silver rates in Broken Arrow and Medica has the cheapest Silver plans in Enid.
Cheapest health insurance plans by Oklahoma county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Adair | Ambetter Standard Silver | $585 |
| Alfalfa | Ambetter Standard Silver | $585 |
| Atoka | Ambetter Standard Silver | $585 |
| Beaver | BCBS Advantage Silver PPO 501 | $777 |
| Beckham | Medica Harmony Silver $0 Copay PCP Visits | $704 |
Cheapest Silver plan with rates for a 40-year-old
Best health insurance by plan tier
Higher plan tiers are better for people who need more medical care. Healthy people who rarely go to the hospital are typically better off with a lower plan tier.
Plan tiers have to do with how you pay for medical care. Gold plans have high monthly rates, but you pay less when you go to the doctor or hospital. Bronze plans have the cheapest quotes, but you'll pay a lot more for care.
Silver plans balance affordable rates with middle-of-the-road costs you're responsible for paying.
Gold plans: Best if you have expensive medical needs
| Gold plans pay for about 80% of your medical care. |
The average Gold plan in Oklahoma costs $764 per month before discounts and has a $1,477 deductible.
Consider a Gold plan if you need expensive or ongoing medical treatment.
Gold plans are a good choice for people who have a serious illness or disability, such as cancer or heart disease. That's because with a Gold plan, you pay relatively little out-of-pocket before coverage starts, also known as your deductible.
Plus, Gold plans have a low annual cap on the total costs you're responsible for when you visit the doctor, called an out-of-pocket maximum.
Because Gold plans have expensive monthly rates, you would need to get a lot of medical care for this plan tier to make good financial sense.
Silver plans: Best for average medical needs
| Silver plans pay for about 70% of your medical care. |
Silver plans in Oklahoma cost $739 per month and have a $4,730 deductible on average.
Silver health plans offer a good balance between affordable rates and reasonable costs when you get medical care.
Silver health plans are a good choice for people with average medical needs. You should also consider a Silver health plan if you earn between $15,650 and $39,125 per year (between $32,150 and $80,375 per year for a family of four) because you can qualify for extra discounts.
Bronze plans: Best if you're healthy and have savings
| Bronze plans pay for about 60% of your medical care. |
In Oklahoma, Bronze plans cost $570 per month and have a $6,678 deductible on average.
Bronze plans have affordable average quotes but high costs that you're responsible for paying when you go to the doctor. That makes Bronze plans a good choice for healthy people who can afford a large, unexpected bill. With a Bronze plan, you'll pay thousands of dollars more out of pocket before coverage starts than with a Silver plan. This is something to consider, should you get into a bad accident or become seriously ill.
Catastrophic plans: Best to prevent financial disaster
Catastrophic plans in Oklahoma cost an average of $695 per month with an average deductible of $10,600.
Catastrophic plans are only available to those younger than 30 and people who can't afford a higher plan tier.
Catastrophic plans have very high deductibles.
With a Catastrophic plan, you will need to pay $10,600 from your own savings before most coverage starts.
Catastrophic plans aren't a good choice in Oklahoma In addition to their high deductibles, Catastrophic plans aren't eligible for discounts.
That means you're almost always better off with a higher plan tier. Even a Bronze plan is a better option, because it's usually cheaper than a Catastrophic plan, it lets you pay less for health care and you can use subsidies to get an even lower monthly rate, if you qualify.
Extra discounts and free health insurance options in Oklahoma
Oklahomans who earn a low income may qualify for extra discounts or free health coverage.
Medicaid: Best for free health insurance in Oklahoma
You may qualify for free health insurance from the government, called Medicaid, if you earn about $22,000 per year or less ($44,000 per year or less for a family of four).
You may qualify for Medicaid at a higher income level if you're pregnant or disabled.
Silver plans with cost-sharing reductions: Best for those who don't qualify for Medicaid
| Silver plans will pay 73% to 94% of your medical costs if you have a low income. |
You may qualify for extra discounts, called cost-sharing reductions (CSRs), if you earn between $15,650 and $39,125 per year and you have a Silver health plan.
Cost-sharing reductions cover up to 94% of the costs you're responsible for paying when you visit the doctor. That means you could save thousands of dollars per year with CSRs.
Are health insurance rates going up in Oklahoma in 2026?
The cost of health insurance in Oklahoma went up by 35%, on average, between 2025 and 2026.
Catastrophic plans had the biggest increase, at 66% more in 2026 vs. 2025. Gold plans went up by 28%, while Bronze and Silver plans went up by 24% and 23% respectively. Over the last five years, Silver plans have gotten 16% more expensive in Oklahoma.
Catastrophic
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $417 | – |
| 2023 | $420 | 1% |
| 2024 | $400 | -5% |
| 2025 | $420 | 5% |
| 2026 | $695 | 66% |
Monthly costs are for a 40-year-old.
Catastrophic
Year | Cost | Change |
|---|---|---|
| 2022 | $417 | – |
| 2023 | $420 | 1% |
| 2024 | $400 | -5% |
| 2025 | $420 | 5% |
| 2026 | $695 | 66% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $500 | – |
| 2023 | $519 | 4% |
| 2024 | $484 | -7% |
| 2025 | $459 | -5% |
| 2026 | $570 | 24% |
Monthly costs are for a 40-year-old. Expanded Bronze plans are included in 2024, 2025 and 2026 averages, when they're offered.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $635 | – |
| 2023 | $634 | 0% |
| 2024 | $596 | -6% |
| 2025 | $603 | 1% |
| 2026 | $739 | 23% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $634 | – |
| 2023 | $617 | -3% |
| 2024 | $611 | -1% |
| 2025 | $597 | -2% |
| 2026 | $764 | 28% |
Monthly costs are for a 40-year-old.
Why is health insurance expensive in Oklahoma in 2026?
Medical insurance in Oklahoma is getting more expensive in 2026 because of rising healthcare costs, inflation and expiring tax credits.
More expensive prescription drug prices, higher health care costs and general inflation are causing this sharp rise in prices.
Expiring Covid-19-era tax credits are also likely going to contribute to rising health insurance rates. These expanded health insurance subsidies started being used in 2021 and increased the level of financial help available to those buying Affordable Care Act plans.
Helpful tips for saving on medical insurance in Oklahoma for 2026
- See if you can get free government health insurance, called Medicaid. Eligibility depends on your income.
- Check to see if you can get discounted coverage through HealthCare.gov by taking advantage of Affordable Care Act (ACA) discounts, called subsidies. Discounts might not be as big in 2026, but they'll still save you money if you qualify.
- Compare quotes from companies in your area, to see if there's a better deal. This could save you hundreds of dollars per month without sacrificing plan quality or coverage.
- Save on your monthly rate by getting a high-deductible health plan (HDHP) if it makes sense for your medical situation. Then open a health savings account (HSA) to help you save for medical care.
Essential health benefits for Oklahoma marketplace plans
Plans that you buy on HealthCare.gov offer several important protections and benefits.
All Obamacare plans in Oklahoma are required to cover 10 essential benefits.
- Hospital care
- Outpatient care
- Emergency care
- Care for pregnant women and newborns
- Services for mental health and substance use disorders
- Prescription drugs
- Laboratory services
- Coverage for babies
- Rehabilitation services and devices
- Preventive, wellness and ongoing disease services
Short-term plans and supplemental policies don't have to cover these services.
Oklahoma health insurance exchange plans also cap the amount of money you'll pay for prescriptions and services each year, called an out-of-pocket maximum.
Finally, companies can't use your health history when determining rates or approving coverage. That means you'll never get turned down or charged a higher price for a marketplace plan even if you have a serious illness or disability.
Average cost of health insurance by family size in Oklahoma
It costs $442 per month for a family to add a child to their health insurance plan in Oklahoma.
That means a single parent with a child pays an average of $1,182 per month before discounts for medical insurance in Oklahoma. A family of four with two adults and two children pays an average of $2,363 per month.
It's important to remember that the size of your discount depends on your household size and income. The more people in your household, the more you can earn and still qualify for discounts.
Family size | Average monthly cost |
|---|---|
| Individual | $739 |
| Individual and child | $1,182 |
| Couple | $1,478 |
| Family of three | $1,921 |
| Family of four | $2,363 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
Average cost of health insurance in Oklahoma by plan type
Oklahoma residents can choose between two types of health insurance: HMOs and PPOs.
- HMOs (health maintenance organizations) plans restrict you to a network of doctors. You have to choose a primary care doctor and you need a referral before you can see a specialist.
- PPO (preferred provider organization) plans don't require that you choose a primary care doctor and you don't need a referral to see a specialist. You can also see doctors outside your network for a higher cost.
In Oklahoma, PPOs are actually cheaper, on average, than HMOs. That means you get more flexible coverage at a cheaper cost.
Type | Cost |
|---|---|
| PPO | $734 |
| HMO | $749 |
Monthly costs are for a 40-year-old with a Silver plan.
Short-term health insurance plans in Oklahoma
In January 2025, the Trump administration canceled a new rule that capped the length of a short-term health policy at three months. At present, there's no timeline for when this change will happen. However, short-term health plans that last for up to 364 days could be sold in Oklahoma sometime in the coming year.
Short-term plans should only be used to help you bridge a temporary coverage gap if you're outside open enrollment and can't get a special enrollment period. Otherwise, these plans are generally a bad choice because they don't offer the same level of coverage as marketplace plans.
Pros of short-term health insurance plans in Oklahoma
Cons of short-term health insurance plans in Oklahoma
Health insurance enrollment by income level in Oklahoma
Half of all shoppers in Oklahoma with a plan from HealthCare.gov makes less than $22,590 per year.
Having a low income makes it harder to deal with rate hikes and discount changes. This population doesn't have the extra room in their budget to be able to handle swings in price, which means they could be more likely to skip coverage entirely.
Enrollment by income
Income | % of total enrollment |
|---|---|
| Less than $15,060 | 1% |
| $15,060 to $20,783 | 14% |
| $20,784 to $22,590 | 35% |
| $22,591 to $30,120 | 22% |
| $30,121 to $37,650 | 13% |
Enrollment in 2025 marketplace plans made during the 2024-2025 Open Enrollment period. Total may not be 100% due to rounding
Frequently asked questions
Is $200 a month expensive for health insurance?
No, $200 per month for health insurance is affordable in Oklahoma. That's less than half the average cost of Oklahoma medical insurance before discounts, called subsidies. Health insurance in Oklahoma usually costs $739 per month for a 40-year-old with a Silver plan. A 21-year-old pays $578 per month for the same coverage, on average.
How do I get health insurance in Oklahoma?
The best way to get health insurance in Oklahoma is by comparing quotes on HealthCare.gov. You'll see all of the plans available in your area and what discounts you qualify for based on your income.
Who has the best health insurance in Oklahoma?
Blue Cross and Blue Shield of Oklahoma has the best health insurance in Oklahoma. The company has a good reputation for customer satisfaction, a large doctor network and cheap rates.
What's the cheapest health insurance in Oklahoma?
Ambetter has the cheapest health insurance in Oklahoma. Silver plans start at $561 per month before discounts for a 40-year-old.
How much is health insurance in Oklahoma?
In Oklahoma, health insurance costs an average of $739 per month without discounts, called subsidies. If you get discounts, your rate will likely be lower, although the amount you save depends on your income and family size.
Will there be health insurance subsidies in 2026?
There will probably still be subsidies for health insurance in 2026. The subsidies that are expiring at the end of 2025 are bigger discounts, called "enhanced subsidies," that were put in place in 2021. If Congress doesn't extend them, subsidies will automatically roll back to their pre-2021 format. The discounts weren't as good back then, but they'll still save you money. However, it's also possible that Congress will restructure the subsidy program entirely.
Methodology
Oklahoma health insurance rate data for 2026 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) to find average rates for different plan tiers, geographic locations and family sizes.
Rates
Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.
Subsidies
Rates after subsidies are estimates for a 40-year-old with a Benchmark Silver plan and are based on how subsidies were structured before 2021. Prices are calculated using KFF's rates for full-price Benchmark plans, federal poverty levels (FPLs), IRS rules about premium tax credits and Congressional reports about expanded tax credits. The total cost in the state uses calculated rates by income, which are weighted using CMS data on the incomes of those who purchased plans during last year's open enrollment. The median was used for each income range. Unknown incomes were excluded from the calculations. Incomes of 100% of the federal poverty line and 500% of the federal poverty line were assumed for enrollees who earn less than 100% FPL and more than 500% FPL, respectively. Information about state subsidies, when available, was sourced from state marketplaces.
Ratings
ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 100 possible points. ACA ratings show how the company performs in Oklahoma for medical care, member experience and plan administration. This 2026 plan quality data from CMS is based on data from last year. Ratings are not available for new plans or plans with low enrollment.
More sources
Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2025 open enrollment period.
Info about the driving reasons for health insurance increases in 2026 comes from the Peterson-KFF Health System Tracker. Other sources include the National Association of Insurance Commissioners (NAIC), the Oklahoma Health Care Authority and S&P Global Capital IQ.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
