Health Insurance

Best Cheap Health Insurance in Oklahoma 2021

Best Cheap Health Insurance in Oklahoma 2021

Find Cheap Health Insurance Quotes in Oklahoma

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In 2021, the average cost of health insurance across all metal tiers in Oklahoma is $539 per month, which is 8% less than it was in 2020.

The cheapest health insurance in Oklahoma for most people comes from Blue Cross Blue Shield. The plan Blue Advantage Silver PPO 204 was the most affordable health insurance in 65% of Oklahoma's counties. Alternatively, shoppers may find cheap coverage with the Blue Preferred Silver PPO℠ 201 plan.

Select a plan tier to learn more:

Affordable health insurance plans in Oklahoma can be found on the state exchange, but the best plan for you will depend on your county and the tier of coverage. Read on to find the cheapest companies by tier and how prices change depending on family size and location.

Cheapest health insurance by metal tier

To help you find the best policy for the level of coverage that fits your situation, we compared Oklahoma plans by metal tier and identified a cheap health insurance plan in each category.

The table below provides a good starting point in comparing the costs and benefits you can expect from a given tier of coverage by showing the out-of-pocket costs and minimum monthly premium for policies in Oklahoma.

Metal tier
Cheapest plan
Deductible
Maximum out-of-pocket
Monthly cost for a 40-year-old
CatastrophicHarmony by Medica Catastrophic$8,550$8,550$250
BronzeHarmony by Medica Bronze Value$7,900$8,550$344
Expanded BronzeHarmony by Medica Bronze Copay$7,000$8,550$343
SilverSilver 5000$5,000$8,550$476
GoldCommunityCare Gold L21 Select Plus$4,000$8,100$471
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Find Cheap Health Insurance Quotes in Your Area

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Two important factors that affect your monthly insurance premium are age and metal tier. As you get older, regardless of coverage tier, your monthly premium will increase. Furthermore, higher metal tiers will also increase the monthly rate you will need to pay.

For example, a 40-year-old in Oklahoma would pay $137 more per month for the same policy than a 21-year-old. However, the same 40-year-old would pay $705, or 112%, less than a 60-year-old would for the same policy.

Finding your best health insurance coverage in Oklahoma

The best health insurance plan for you in Oklahoma varies by county, as available plans change according to the county you live in. For example, the Silver 5000 plan from Bright Health is available in fewer counties than other health insurance plans, but the Bright Health plan was the cheapest Silver plan when available.

Higher metal tier health plans, like Gold policies, have more expensive monthly premiums than Silver and Bronze policies but significantly lower out-of-pocket expenses, like deductibles, copays and coinsurance.

So, if you have recurring medical costs from chronic conditions or prescriptions, or you are worried about the high costs of an unexpected illness, you should consider a higher metal tier plan. Alternatively, if you are young and healthy, and want a lower monthly premium, a lower metal tier policy may be best.

Gold plans: Best for people who expect high medical costs

Gold health insurance plans have the lowest costs if you need to use your insurance, since Gold plans may have lower deductibles and copays. However, the monthly premium may be higher.

For example, the minimum monthly premium on a Gold plan for a 40-year-old in Oklahoma is $471 — $127 more per month than the cheapest Bronze plan. But the deductible for Gold plans may be $3,900 less than a Bronze plan. Therefore, these health plans are best if you have high expected medical costs, such as ongoing prescriptions, or are concerned about being able to pay out of pocket for an unexpected condition.

The cheapest Gold plan in Oklahoma is CommunityCare Gold L21 Select Plus. Compare all tiers in Oklahoma above.

Silver plans: Best for people with average medical costs or low income

Silver health plans may be the best type of health insurance plan if you want lower out-of-pocket costs than a Bronze plan but a more affordable monthly premium than a Gold plan.

If your income is low, this middle-ground option is also eligible for cost-sharing reduction (CSR) subsidies that would lower your out-of-pocket expenses. Typically, Silver plans pay 70% of your medical costs, so you would pay for the remaining 30% — but Silver plans could cover up to 94% under the CSR subsidies.

The cheapest Silver plan in Oklahoma is Silver 5000. Compare all tiers in Oklahoma above.

Bronze and Catastrophic plans: Best for young people

Bronze and Catastrophic plans are the most affordable plans — but in exchange, they have the highest out-of-pocket costs. Despite the low costs, you must be under 30 or qualify for an exemption to purchase a Catastrophic plan. Bronze plans are available to everyone, but the lower monthly rate means higher out-of-pocket costs compared to Silver or Gold plans.

So, if you need medical care during the year, you would have to pay more money out of pocket before coverage kicks in. If you expect few medical expenses or can afford to cover the high cost-sharing in the event of an emergency, a Bronze plan may be the best option for your health insurance coverage.

The cheapest Bronze plan in Oklahoma is Harmony by Medica Bronze Value. The cheapest Catastrophic plan is Harmony by Medica Catastrophic. Compare all tiers in Oklahoma above.

Best cheap health insurance companies in Oklahoma

There are five insurers on the Oklahoma exchange, but a provider’s availability depends on the shopper's location. The insurers that offer health insurance on Oklahoma's exchange are:

  • Blue Cross and Blue Shield of Oklahoma
  • UnitedHealthcare
  • Bright Health
  • Oscar Insurance Company
  • CommunityCare

Blue Cross Blue Shield and Medica are available across the state, but Bright Health only offers coverage in Canadian, Cleveland and Oklahoma counties. If you live in one of these counties, we recommend beginning your search for affordable coverage with Bright Health, as they provided the cheapest Silver plan in each region where they're on the marketplace.

Cheapest health insurance plan by county

To help you get started on your search for a health insurance plan in Oklahoma, we identified the cheapest Silver health insurance policies available on the state exchange by county. Depending on where you live, the policies available and their pricing will vary.

For example, in Adair County, the Blue Advantage Silver PPO 204 plan costs $530, which is $15 more than the plan’s cost in Lincoln County. Despite this discrepancy, however, the plan remains the cheapest option in both counties.

County name
Cheapest plan
Age 40
Couple, age 40
Couple, age 40 plus Child
AdairBlue Advantage Silver PPO 204$530$1,060$1,378
AlfalfaBlue Preferred Silver PPO 201$672$1,345$1,747
AtokaBlue Advantage Silver PPO 204$530$1,060$1,378
BeaverBlue Advantage Silver PPO 204$530$1,060$1,378
BeckhamBlue Advantage Silver PPO 204$530$1,060$1,378
BlaineBlue Advantage Silver PPO 204$530$1,060$1,378
BryanBlue Preferred Silver PPO 201$672$1,345$1,747
CaddoBlue Preferred Silver PPO 201$672$1,345$1,747
CanadianSilver 5000$476$952$1,237
CarterBlue Advantage Silver PPO 204$530$1,060$1,378
CherokeeBlue Advantage Silver PPO 204$530$1,060$1,378
ChoctawBlue Advantage Silver PPO 204$530$1,060$1,378
Show All Rows
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204","$515","$1,030","$1,338"],["Logan","Balance by Medica Silver Copay","$489","$978","$1,270"],["Love","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Major","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Marshall","Blue Preferred Silver PPO 201","$672","$1,345","$1,747"],["Mayes","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Mcclain","Blue Advantage Silver PPO 204","$515","$1,030","$1,338"],["Mccurtain","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Mcintosh","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Murray","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Muskogee","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Noble","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Nowata","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Okfuskee","Blue Preferred Silver PPO 201","$672","$1,345","$1,747"],["Oklahoma","Silver 5000","$476","$952","$1,237"],["Okmulgee","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Osage","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Ottawa","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Pawnee","Blue Advantage Silver PPO 204","$546","$1,092","$1,419"],["Payne","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Pittsburg","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Pontotoc","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Pottawatomie","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Pushmataha","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Roger Mills","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Rogers","Harmony by Medica Silver Copay","$478","$957","$1,243"],["Seminole","Blue Preferred Silver PPO 201","$672","$1,345","$1,747"],["Sequoyah","Blue Advantage Silver PPO 204","$529","$1,057","$1,374"],["Stephens","Harmony by Medica Silver Copay","$538","$1,075","$1,397"],["Texas","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Tillman","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Tulsa","Harmony by Medica Silver Copay","$478","$957","$1,243"],["Wagoner","Harmony by Medica Silver Copay","$478","$957","$1,243"],["Washington","CommunityCare Silver L21 Select Plus","$493","$986","$1,281"],["Washita","Blue Preferred Silver PPO 201","$672","$1,345","$1,747"],["Woods","Blue Advantage Silver PPO 204","$530","$1,060","$1,378"],["Woodward","Blue Preferred Silver PPO 201","$672","$1,345","$1,747"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Average cost of health insurance by family size in Oklahoma

Depending on a family’s size and the age of each person, health insurance rates will change based on the number of individuals who need coverage. Children under 15 qualify for lower health insurance premiums at a flat rate. However, this changes once the children reach 15 — the monthly premium will increase as they grow older.

For example, the average monthly health insurance premium for a family of three with two 40-year-old parents and a child is $1,631. With each additional child, the average cost of a Silver health plan increases by $376, so it would cost an average of $2,006 per month to insure a family of four.

Family size
Premium
Individual plus child$1,003
Couple age 40$1,255
Family of three (adult couple and a child)$1,631
Family of four (adult couple and two children)$2,006
Family of five (adult couple and three children)$2,382

Adults are assumed to be 40 years old, while children are 14 and younger. Sample rates are based on the average cost for a Silver plan in Oklahoma.

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Health insurance rate changes in Oklahoma

Individual health companies set policy premiums. Once an insurer determines the rates, they are sent to the federal health insurance exchange for approval.

The cost of health insurance is 8% less in 2021 than it was in 2020. However, the changes to the cost of health insurance varies by metal tier. In the last year, the cost of Expanded Bronze policies dropped by 19%, which was the largest fall. Conversely, Bronze plans increased by 11%. This was the largest, and only, price increase.

Metal tier
2020 premium
2021 premium
Change
Catastrophic$431$400-7%
Bronze$418$46511%
Expanded Bronze$639$515-19%
Silver$703$628-11%
Gold$660$619-6%

Rates are based on a 40-year-old adult.

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Methodology

The 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 metal tier, family size and region by reference cost data from CMS's Public Use Files (PUF).

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

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.