Best Cheap Health Insurance in Oklahoma (2025)
Blue Cross and Blue Shield of Oklahoma is the best health insurance company in Oklahoma. Silver plans start at $485 per month before discounts.
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Best and cheapest health insurance in Oklahoma
Cheapest health insurance companies in Oklahoma
Ambetter, Medica, BCBS and Oscar have the most affordable health insurance in Oklahoma, with Silver plans starting at $443 per month before discounts.
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Affordable health insurance in Oklahoma
Company |
Cost
| |
|---|---|---|
| Ambetter of Oklahoma | $443 - $598 |
| Medica | $465 - $682 |
| Blue Cross and Blue Shield of Oklahoma | $485 - $938 |
| Oscar Insurance Company | $488 - $524 |
- Ambetter has the cheapest medical insurance quotes for about three-quarters of all Oklahomans. The company also sells the most affordable health insurance plans in Oklahoma City.
- Blue Cross Blue Shield (BCBS) offers the most affordable medical insurance to about one out of 10 people in Oklahoma. However, BCBS has the cheapest quotes in close to one-third of Oklahoma counties.
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.
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Best-rated health insurance companies in Oklahoma
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Blue Cross and Blue Shield of Oklahoma | 3.0 | |
| CommunityCare | 3.0 | |
| Taro Health Plan | NA | |
| Ambetter of Oklahoma | 2.0 | |
| UnitedHealthcare | NA |
- Blue Cross Blue Shield and CommunityCare have the best-rated plans in Oklahoma, each with 3 out of 5 stars from HealthCare.gov. Both companies got a perfect 5-out-of-5-star rating on member experience, but a low 2-out-of-5-star score on medical care quality.
- UnitedHealthcare has a strong reputation for customer satisfaction. But the company is too new to the Oklahoma market to have a HealthCare.gov rating.
How much is health insurance in Oklahoma per month?
Health insurance in Oklahoma costs an average of $603 per month or $57 per month after discounts.
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- Higher plan tiers typically have more expensive monthly costs. In Oklahoma, Gold plans cost $138 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 actually cost slightly more than Gold plans in Oklahoma, on average. 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.
Save on Oklahoma health insurance with discounts
Discounts can save you hundreds of dollars per month on your Oklahoma medical insurance.
Almost everyone who has an Oklahoma health insurance marketplace plan qualifies for discounts, called subsidies or premium tax credits.
The size of your discount depends on your household income: The less you make, the larger your discount. Over half of all Oklahomans with marketplace plans pay less than $10 per month for coverage.
Discounts only apply to Bronze, Silver and Gold health plans bought through HealthCare.gov.
You may qualify for a discounted health insurance plan if you make between about $16,000 and $60,000 per year (roughly $35,000 to $125,000 for a family of four). If you make around $21,000 or less ($44,000 for a family of four) you may qualify for free government medical insurance, called Medicaid.
Cheap health insurance in Oklahoma by city
Ambetter has the cheapest medical insurance for Oklahoma City with plans starting at $443 per month.
Blue Cross and Blue Shield of Oklahoma has the most affordable coverage in Tulsa. Plans cost as little as $458 per month.
Cheapest health insurance plans by OK county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Adair | Medica Silver Share | $599 |
| Alfalfa | Ambetter of Oklahoma Standard Silver | $483 |
| Atoka | Medica Silver Share | $599 |
| Beaver | BCBS Blue Advantage Silver | $618 |
| Beckham | Medica Silver Share | $599 |
Cheapest Silver plan with rates for a 40-year-old
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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 $597 per month before discounts and has a $1,234 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 $603 per month and have a $4,299 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 less than $37,650 per year ($78,000 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 $459 per month and have a $5,884 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 $420 per month with an average deductible of $9,200.
Catastrophic plans are only available to those younger than 30 and people who can't afford a higher plan tier.
Catastrophic plans have affordable rates, but very high deductibles.
With a Catastrophic plan, you will need to pay $9,200 from your own savings before most coverage starts.
Catastrophic plans are usually a poor choice. In addition to their high deductibles, these plans aren't eligible for discounts. That means you're almost always better off with a higher plan tier.
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 $21,000 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 less than $37,650 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 OK?
The cost of health insurance in Oklahoma decreased by 1% overall between 2024 and 2025.
Bronze plans decreased by 5%, on average, Silver plans increased by 1% and Catastrophic plans rose by 5%. Gold plans had the smallest average decrease, at 2%. Health insurance rates across the board are projected to rise significantly more in 2026.
Catastrophic
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $417 | - |
| 2023 | $420 | 1% |
| 2024 | $400 | -5% |
| 2025 | $420 | 5% |
Monthly costs are for a 40-year-old.
Catastrophic
Year | Cost | Change |
|---|---|---|
| 2022 | $417 | - |
| 2023 | $420 | 1% |
| 2024 | $400 | -5% |
| 2025 | $420 | 5% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $500 | - |
| 2023 | $519 | 4% |
| 2024 | $484 | -7% |
| 2025 | $459 | -5% |
Monthly costs are for a 40-year-old.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $635 | - |
| 2023 | $634 | 0% |
| 2024 | $596 | -6% |
| 2025 | $603 | 1% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $634 | - |
| 2023 | $617 | -3% |
| 2024 | $611 | -1% |
| 2025 | $597 | -2% |
Monthly costs are for a 40-year-old.
Why is health insurance expensive in OK in 2026?
Medical insurance in Oklahoma is getting more expensive in 2026 because of rising healthcare costs, inflation and expiring tax credits.
Insurance companies have requested an average rate increase of 20% for 2026 nationwide. That's a significant turnaround from the year prior, when rates actually fell. 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 expected to contribute to rising health insurance rates. These expanded health insurance subsidies started in 2021 and increased the level of financial help available to those buying Affordable Care Act plans. The Kaiser Family Foundation has estimated that the loss of these temporary subsidies will raise the cost of health insurance by an average 75%.
Helpful tips for saving on medical insurance in Virginia for 2026
- You may be eligible for free government health insurance, called Medicaid, depending 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.
- HealthCare.gov also makes it easy to compare quotes from companies in your area, which can 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). Then open a health savings account (HSA) to lower your tax bill.
Essential health benefits for OK marketplace plans
Plans bought through the Oklahoma health insurance marketplace 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 $361 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 $963 per month before discounts for medical insurance in Oklahoma. A family of four with two adults and two children pays an average of $1,205 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 | $603 |
| Individual + Child | $963 |
| Couple, age 40 | $1,205 |
| Family of three | $1,566 |
| Family of four | $1,927 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
A family of four in Oklahoma can earn up to about $125,000 and still qualify for discounts.
Average cost of health insurance in Oklahoma by plan type
Oklahoma residents can choose between two types of health insurance: HMOs and PPOs. HMOs have more affordable quotes but offer less flexibility when it comes to choosing your doctor. PPOs typically cost more, but they give you greater freedom when it comes to choosing your doctor.
- 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. These plans tend to have cheaper rates.
- 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. PPOs typically cost more than HMOs, which is their major drawback.
Type | Cost |
|---|---|
| HMO | $585 |
| PPO | $611 |
Monthly costs are for a 40-year-old with a Silver plan.
Short-term health insurance plans in OK
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 OK
Cons of short-term health insurance plans in OK
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.
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 and cheap rates.
What's the cheapest health insurance in Oklahoma?
Ambetter has the cheapest health insurance in Oklahoma. Silver plans start at $443 per month before discounts for a 40-year-old.
How much is health insurance in Oklahoma?
In Oklahoma, health insurance costs an average of $603 per month without discounts, called subsidies, or $57 per month after discounts, on average. Roughly 96% of Oklahomans with marketplace coverage qualify for subsidies.
Methodology
Oklahoma health insurance rate data for 2025 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 and counties. Only plans and insurance companies for which county-level data were included in the CMS Crosswalk file were used in our analysis.
Rates are for a 40-year-old with a Silver plan, unless otherwise noted. Other sources include S&P Global Capital IQ, NAIC (National Association of Insurance Commissioners) and the Oklahoma Health Care Authority.
Information regarding rate change projections for 2026 came from the Kaiser Family Foundation (KFF).
Senior Writer
Talon Abernathy is a ValuePenguin Senior Writer who specializes in health insurance, Medicare and Medicaid. He's also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
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.
