In Oklahoma, enrolling in a health insurance plan is simple. At www.healthcare.gov, you can find a list of coverage options and pricing on the federally operated Affordable Care Act-compliant marketplace.
Licensed Agent
Health Insurance Quote
How to Buy Health Insurance in Oklahoma
If you live in Oklahoma and don’t have health insurance through your employer, you can get coverage through the federally run marketplace. Plans are divided into three different mental tiers: Bronze, Silver, and Gold.
Bronze plans typically offer the lowest premiums, but your coverage may be limited and come with high deductibles. Gold plans tend to be more comprehensive with lower deductibles but have higher premiums. Low-income residents may qualify for subsidies to help make protection more affordable.
How to Apply for Health Insurance in Oklahoma
By visiting the federal exchange marketplace at Healthcare.gov, Oklahoma residents can view available plans in their areas and begin the application process. Enter your data to find personalized coverage options.
Health Insurance Carriers In Oklahoma
Oklahoma currently has eight health insurance companies offering coverage on the federal marketplace:
- Bright Health
- BCBSOK
- Oscar
- Medica
- CommunityCare
- UnitedHealthcare
- Friday Health Plans
- Ambetter
Oklahoma Health Insurance Costs Overview
Health insurance in Oklahoma is available in three metal tiers: Bronze, Silver, and Gold. Bronze plans typically have high deductibles and offer limited services, while Gold plans often have high premiums but include the most comprehensive services.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Oklahoma?
According to the KFF, the average 2025 benchmark premium in Oklahoma is $501.
What is the Cheapest Health Insurance Plan in Oklahoma?
The average cost for Bronze tier premiums in Oklahoma for 2024 is $398, which is usually the cheapest health insurance plan option. Enter your zip code below to find the lowest health insurance plan for you!
Licensed Agent
Health Insurance Quote
Cheapest Oklahoma Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Oklahoma in 2025 was $501.
Silver Plans
The average lowest cost premium of a Silver Plan in Oklahoma in 2025 was $493.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $377.
Other Types of Oklahoma Health Insurance Coverage
Catastrophic, Short-Term, and Medicaid are three other forms of health insurance coverage offered in Oklahoma.
Catastrophic Health Insurance in Oklahoma
Individuals under 30 or those eligible for a hardship exemption may be eligible for Catastrophic Health Insurance in Oklahoma. These plans have high deductibles and coverage can typically only protect you from worst-case scenarios.
Short Term Health Insurance in Oklahoma
Residents can purchase Short-Term health insurance in Oklahoma for up to 364 days and renew coverage for a maximum of 36 months. Oklahoma has seven insurers offering Short-Term coverage:
- Aspen Insurance
- Companion Life
- Everest Reinsurance
- Independence American Insurance Company
- National General
- United Healthcare
- United Security Health and Casualty
Low Income Health Insurance in Oklahoma
Low-income residents in Oklahoma may qualify for Medicaid through the Oklahoma Health Care Authority.
Licensed Agent
Health Insurance Quote
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D