Best Cheap Health Insurance in Oklahoma 2019

Find the Cheapest Health Insurance Quotes in Your Area

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Affordable health insurance plans in Oklahoma can be found on the state exchange, but the best plan for you will depend on the county you live in and the tier of coverage that fits your needs. To help you find the best health insurance plan, we analyzed all Silver policies in Oklahoma and found that either the Blue Advantage Silver PPO 204 or Blue Preferred Silver PPO 201 was the cheapest in every county. However, in the counties that offered both health plans, the Blue Advantage Silver PPO 204 consistently has the lowest monthly premium.

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 health insurance plans by metal tier and identified the cheapest 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 TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicBlue Preferred Security PPO 200$7,350$7,350$392.31
BronzeBlue Advantage Bronze PPO 202$4,700$7,350$371.47
SilverBlue Advantage Silver PPO 204$1,400$7,350$499.63
GoldBlue Preferred Gold PPO 205$200$7,350$638.91

Two important factors that affect your monthly insurance premium are age and metal tier. As you grow 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, you would expect to pay 10% more on average for a Gold health plan than a Silver plan regardless of age. This represents $46 higher costs per month if you're 21, and $125 more each month on average if you're 60.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Oklahoma

Finding the Best Health Insurance Coverage in Oklahoma

The best cheap health insurance plan in Oklahoma varies by county, as available plans change according to the county you live in. For example, the Blue Preferred Silver PPO 201 plan is available in every county, but it was only the cheapest Silver plan in the 20 counties in which it was the only option for a Silver policy.

Higher metal tier health plans, like Gold policies, have monthly premiums that are more expensive than Silver and Bronze policies but have 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 sickness, you should consider a higher metal tier plan. Alternatively, if you are young and healthy, and you wish to keep your monthly premium low, a lower metal tier policy may be best for you.

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 you can expect to pay may be higher. For example, the average monthly premium on a Gold plan for a 40-year-old in Oklahoma is $656, but your deductible would only be $200. 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.

Silver Plans: Best for People with Average Medical Costs or Low Income

Silver health plans may be the best health insurance plan type if you would like something that has lower out-of-pocket costs than a Bronze plan but a more affordable monthly premium than that of a Gold plan. If you are part of a lower-income household, this middle-ground option is also eligible for cost-sharing reduction (CSR) subsidies that would lower your out-of-pocket expenses. Typically, you can expect Silver plans to pay for 70% of your medical costs and you would pay for the remaining 30%—but Silver plans could cover up to 94% under the CSR subsidies.

Bronze and Catastrophic Plans: Best for Young People

Catastrophic and Bronze 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, however, 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.

Best Cheap Health Insurance Companies in Oklahoma

Although Oklahoma has seen a large decline in the number of uninsured residents, there is only one health insurance company on the Oklahoma state exchange: Blue Cross Blue Shield of Oklahoma. This makes Oklahoma one of nine states to only have one insurer on the state marketplace. Despite having only one health insurance company on the state exchange, most counties still offer seven different health insurance plans to choose from.

Cheapest Health Insurance Plan By County

To help you get started on your search for the best 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, either the Blue Advantage Silver PPO 204 or the Blue Preferred Silver PPO 201 will have the best rates for Silver coverage, but the cost of one these policies varies by region. The Advantage plan, for instance, would cost a 30-year-old $22 more per month in Creek County than Grady County. Below, you can see sample monthly rates for an individual, couple and family of three based on your location.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40, and Child
AdairBlue Advantage Silver PPO 204$524$1,048$1,361
AlfalfaBlue Preferred Silver PPO 201$649$1,299$1,688
AtokaBlue Advantage Silver PPO 204$524$1,048$1,361
BeaverBlue Advantage Silver PPO 204$524$1,048$1,361
BeckhamBlue Advantage Silver PPO 204$524$1,048$1,361
BlaineBlue Advantage Silver PPO 204$524$1,048$1,361
BryanBlue Preferred Silver PPO 201$649$1,299$1,688
CaddoBlue Preferred Silver PPO 201$649$1,299$1,688
CanadianBlue Advantage Silver PPO 204$507$1,015$1,318
CarterBlue Advantage Silver PPO 204$524$1,048$1,361
CherokeeBlue Preferred Silver PPO 201$649$1,299$1,688
ChoctawBlue Advantage Silver PPO 204$524$1,048$1,361
CimarronBlue Advantage Silver PPO 204$524$1,048$1,361
ClevelandBlue Advantage Silver PPO 204$507$1,015$1,318
CoalBlue Advantage Silver PPO 204$524$1,048$1,361
ComancheBlue Advantage Silver PPO 204$500$999$1,298
CottonBlue Preferred Silver PPO 201$649$1,299$1,688
CraigBlue Advantage Silver PPO 204$524$1,048$1,361
CreekBlue Advantage Silver PPO 204$532$1,063$1,381
CusterBlue Advantage Silver PPO 204$524$1,048$1,361
DelawareBlue Preferred Silver PPO 201$649$1,299$1,688
DeweyBlue Advantage Silver PPO 204$524$1,048$1,361
EllisBlue Advantage Silver PPO 204$524$1,048$1,361
GarfieldBlue Advantage Silver PPO 204$524$1,048$1,361
GarvinBlue Advantage Silver PPO 204$524$1,048$1,361
GradyBlue Advantage Silver PPO 204$507$1,015$1,318
GrantBlue Preferred Silver PPO 201$649$1,299$1,688
GreerBlue Advantage Silver PPO 204$524$1,048$1,361
HarmonBlue Advantage Silver PPO 204$524$1,048$1,361
HarperBlue Advantage Silver PPO 204$524$1,048$1,361
HaskellBlue Advantage Silver PPO 204$524$1,048$1,361
HughesBlue Advantage Silver PPO 204$524$1,048$1,361
JacksonBlue Advantage Silver PPO 204$524$1,048$1,361
JeffersonBlue Advantage Silver PPO 204$524$1,048$1,361
JohnstonBlue Advantage Silver PPO 204$524$1,048$1,361
KayBlue Preferred Silver PPO 201$649$1,299$1,688
KingfisherBlue Advantage Silver PPO 204$524$1,048$1,361
KiowaBlue Advantage Silver PPO 204$524$1,048$1,361
LatimerBlue Advantage Silver PPO 204$524$1,048$1,361
Le FloreBlue Advantage Silver PPO 204$559$1,118$1,452
LincolnBlue Advantage Silver PPO 204$507$1,015$1,318
LoganBlue Advantage Silver PPO 204$507$1,015$1,318
LoveBlue Advantage Silver PPO 204$524$1,048$1,361
MajorBlue Advantage Silver PPO 204$524$1,048$1,361
MarshallBlue Preferred Silver PPO 201$649$1,299$1,688
MayesBlue Preferred Silver PPO 201$649$1,299$1,688
McclainBlue Advantage Silver PPO 204$507$1,015$1,318
MccurtainBlue Advantage Silver PPO 204$524$1,048$1,361
McintoshBlue Preferred Silver PPO 201$649$1,299$1,688
MurrayBlue Advantage Silver PPO 204$524$1,048$1,361
MuskogeeBlue Advantage Silver PPO 204$524$1,048$1,361
NobleBlue Advantage Silver PPO 204$524$1,048$1,361
NowataBlue Preferred Silver PPO 201$649$1,299$1,688
OkfuskeeBlue Preferred Silver PPO 201$649$1,299$1,688
OklahomaBlue Advantage Silver PPO 204$507$1,015$1,318
OkmulgeeBlue Advantage Silver PPO 204$532$1,063$1,381
OsageBlue Advantage Silver PPO 204$532$1,063$1,381
OttawaBlue Preferred Silver PPO 201$649$1,299$1,688
PawneeBlue Advantage Silver PPO 204$532$1,063$1,381
PayneBlue Advantage Silver PPO 204$524$1,048$1,361
PittsburgBlue Preferred Silver PPO 201$649$1,299$1,688
PontotocBlue Advantage Silver PPO 204$524$1,048$1,361
PottawatomieBlue Advantage Silver PPO 204$524$1,048$1,361
PushmatahaBlue Advantage Silver PPO 204$524$1,048$1,361
Roger MillsBlue Advantage Silver PPO 204$524$1,048$1,361
RogersBlue Advantage Silver PPO 204$532$1,063$1,381
SeminoleBlue Preferred Silver PPO 201$649$1,299$1,688
SequoyahBlue Advantage Silver PPO 204$559$1,118$1,452
StephensBlue Preferred Silver PPO 201$649$1,299$1,688
TexasBlue Advantage Silver PPO 204$524$1,048$1,361
TillmanBlue Advantage Silver PPO 204$524$1,048$1,361
TulsaBlue Advantage Silver PPO 204$532$1,063$1,381
WagonerBlue Advantage Silver PPO 204$532$1,063$1,381
WashingtonBlue Preferred Silver PPO 201$649$1,299$1,688
WashitaBlue Preferred Silver PPO 201$649$1,299$1,688
WoodsBlue Advantage Silver PPO 204$524$1,048$1,361
WoodwardBlue Preferred Silver PPO 201$649$1,299$1,688

Average Cost of Health Insurance by Family Size in Oklahoma

Depending on the size and ages of a family, health insurance rates will change based on the number of individuals who need coverage. Children below the age of 15 qualify for lower health insurance premiums at a flat rate. However, this changes when 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, assuming two 40-year-old parents and a child, is $1,551. With each additional child, the average cost of a Silver health plan increases by $358, so a family of four would cost an average of $1,909 per month to insure.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$597
Adult Couple$1,194
Family of three (Adult couple and a child)$1,551
Family of four (Adult couple and two children)$1,909
Family of five (Adult couple and three children)$2,266
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Oklahoma.

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