Updated: October 25, 2024
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Best Health InsuranceOklahomaBest Health Insurance in Oklahoma
Why Trust MoneyGeek? We downloaded plan data for Oklahoma directly from the Centers for Medicare & Medicaid Services (CMS). MoneyGeek’s scoring methodology balances costs, claims approval and plan types to find the best providers in the state.
Plan data was updated with the CMS exchange data released in October for the 2023 enrollment period.
Ambetter provides the best health insurance in Oklahoma with a MoneyGeek score of 82.93 out of 100. Ambetter has affordable plan options, the lowest out-of-pocket costs and better than average scores in denying fewer claims. In this analysis, we evaluated 36 health insurance plans in Oklahoma.
Affordable premium rates
Low out-of-pocket costs
Few claims denied
Wide variety of plan options
MoneyGeek's top pick for the best health insurance in Oklahoma is Ambetter. The provider offers eight Silver PPO plans at an average plan rate of $508 per month. The average maximum out-of-pocket cost for these plans is $5,400.
Ambetter provides Silver PPO plans which generally have the benefit of more coverage when using doctors outside their network. They offer an average plan rate of $508 and the average maximum out-of-pocket cost for these plans is $5,400. Ambetter has a denial rate of 14.84%, which is lower than much of the competition.
Plan Recommendations
MoneyGeek recommends the following Silver plans:
Oscar has the best health insurance in Oklahoma for low out-of-pocket costs, as it received a MoneyGeek score of 68 out of 100.
Oscar offers the most affordable plan options in Oklahoma. It also has a better record of accepting claims than many other insurance providers. For this review, we looked at 31 total Gold plans in Oklahoma, counting 13 HMO and 18 PPO plans.
Affordable premium rates
Fewer claims denied
Wide variety of plan types
Low score in addressing maximum out-of-pocket costs
MoneyGeek's top pick for the best health insurance in Oklahoma for low out-of-pocket costs is the best issuer that offers one Gold PPO plan. Gold plans are known for their low maximum out-of-pocket costs. PPO plans usually have more doctors and hospitals you can go to without a referral.
They offer an average plan rate of $487 and the average maximum out of pocket cost for these plans is $8,700. The provider has a denial rate of around 12%, which is less than a lot of other companies.
Plan Recommendations
MoneyGeek recommends the following Gold and Platinum plans:
Ambetter is the best cheap provider for cheap health insurance in Oklahoma, scoring an 83 out of 100. The provider offers plans with lower average rates, smaller out-of-pocket costs and denies fewer claims than most other providers.
For Oklahoma, MoneyGeek looked at 36 plans. This included 13 HMO plans and 23 PPO plans. In deciding the best, MoneyGeek put more focus on plans with lower monthly costs. Plans with lower monthly costs often mean you might have to pay more when you actually use the insurance.
Low out-of-pocket maximum costs
Few claim denials
Diverse range of plan types
Average performance in denying claims
MoneyGeek's top pick for the best cheap health insurance in Oklahoma is Ambetter. It provides eight Silver plans, offering choices for people who need affordable health care. Ambetter's Silver plans include PPO types. PPO plans often have more options for seeing doctors outside their network. This gives customers flexibility in choosing their health care providers.
They offer an average plan rate of $531 and the average maximum out of pocket cost for these plans is $7,750. Ambetter has a denial rate of 15%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following cheap Silver plans:
Ambetter offers the best health insurance in Oklahoma for those with low income, scoring 83 out of 100. Ambetter has rates that are lower than average, very low out-of-pocket costs and a lower percentage of claim denials compared to other providers. We evaluated 13 Silver HMO plans and 23 Silver PPO plans for this analysis in Oklahoma.
To determine the best plan for low-income individuals, we focused on plans with cost-sharing reductions and gave more importance to those with low monthly premiums. Cost-sharing reductions help if your income falls within certain ranges by lowering your out-of-pocket costs and deductible. With these plans, you don't have to choose between paying less each month and paying less when you need care. Normally, a Silver plan would pay for around 70% of health care costs, but with a cost-sharing reduction, you could get:
The amounts you need to earn change if there are more people living in your house.
Low premium rates
Low out-of-pocket costs
Few claims denied
Wide range of plan types
MoneyGeek's top pick for the best health insurance in Oklahoma for those with low income is Ambetter. The provider offers cost-effective plans for individuals earning below 250% of the federal poverty level. Ambetter has eight Silver CSR plans available at an average cost of $531 per month. The average MOOP cost for these is $6,513.
The plans available through the best provider are PPO, which usually include more coverage for services outside the network. The company denies claims more frequently than competitors. Ambetter's top-rated plan offers lower out-of-pocket expenses for the same premium for people in different income brackets.
Plan Recommendations
Here are some of the lower overall out-of-pocket costs based on income levels:
CommunityCare offers the best health insurance in Oklahoma for young adults, with a MoneyGeek score of 79 out of 100. CommunityCare has plans with prices people can afford, low costs when you get care and doesn't say no to as many health care bills compared to other companies.
For this group, we looked at 9 Expanded Bronze HMO plans, 21 Expanded Bronze PPO plans, 1 Catastrophic HMO plan and 4 Catastrophic PPO plans. Remember, Catastrophic plans are only available to folks under 30 years old.
Offers affordable premium rates
Out-of-pocket costs are low
Few claims denied
Limited plan types available
CommunityCare is MoneyGeek's top pick for the best health insurance in Oklahoma for young adults. This insurer offers one Catastrophic plan and three Expanded Bronze plans. The average plan rate they offer is $305 and the average maximum out-of-pocket cost for these plans is $8,288.
CommunityCare health plans are HMOs, which often provide a network of doctors and hospitals. HMO plans encourage patients to stay within their network for all services. The provider has a denial rate of 9.79%, which is a lower denial rate than most of the competition.
Plan Recommendations
MoneyGeek recommends the following plans for young adults:
Health insurance companies have different plans. The best providers for all plan categories are:
MoneyGeek's recommendations used only Silver plans. Silver plans balance cost and coverage. They work well for people who go to the doctor often. Oklahoma has 23 Silver PPO plans and 13 Silver HMO plans.
MoneyGeek's top pick for the best health insurance in Oklahoma for Silver PPO plans is Ambetter. This company offers eight Silver PPO plans. They offer an average plan rate of $531 and the average maximum out of pocket cost for these plans is $7,750. The denial rate for Ambetter is 14.844%, which means they deny fewer claims than average.
Silver PPO plans provide more options to pick your own doctors and you don't need a referral to see a specialist. They can be pricier than other plan types and may not be the best choice if you need to watch your spending. PPOs can give you more freedom, but they can cost more too.
Plan Recommendations
We suggest the following Silver PPO plans from Ambetter:
MoneyGeek's top pick for the best health insurance in Oklahoma with Silver HMO plans is CommunityCare. They offer three different Silver HMO plans. They offer an average plan rate of $551 and the average maximum out of pocket cost for these plans is $8,833. The company has a denial rate of about 9.8%, which shows they deny fewer claims than average.
Silver HMO plans have some advantages and disadvantages. The plans tend to be less expensive, which is good for those wanting lower monthly payments. You must choose doctors in the HMO network for your care unless it's an emergency. To see a specialist, you have to get a referral from your main doctor. These plans are good if you have nearby in-network providers.
Plan Recommendations
We suggest the following Silver HMO plans from CommunityCare:
As MoneyGeek's top pick for short-term health insurance in Oklahoma, National General Accident & Health is rated 85 out of 100. A short-term health insurance policy is ideal for people who need temporary coverage gaps since it doesn't cover all essential medical coverage under the Affordable Care Act (ACA).
Providing insurance for accidents, critical illnesses and more, National General Accident & Health is the leading short-term health insurance company in Oklahoma. With this provider, you can choose from various term lengths and coverage limits. Also, the provider offers low application fees and co-insurance options. A majority of policies even cover prescription drugs and out-of-network expenses.
Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Oklahoma is right for you. The following pointers can be useful when planning to get health insurance.
Understand when a health insurance plan will cover you
With health insurance, some doctors and hospitals are part of its network. This means they have an agreement to accept your insurance. In-network care usually costs you less. If you go to a doctor not in the network, it's out-of-network and it costs more. Some insurance plans let you use doctors outside the network, but others do not.
In Oklahoma, you can choose between different plans. Some plans allow you to see different doctors. Other plans might cost less but you have to see in-network doctors. Oklahoma has 23 PPO plans. These plans let you see more doctors. There are also 13 HMO plans that might cost less but you have to see doctors in the network.
Weigh the cost of premiums vs. the cost of care
When selecting health insurance you need to consider how much you pay each month and how much you could pay when you get medical care. Plans that cost less each month have higher limits on what you pay for care. If you pay more money every month, you might have a lower limit and save money if you go to the doctor a lot.
The Clear Silver plan from Ambetter has the lowest limit for what you pay yourself, at $5,400. This plan costs $508 a month. That's less than the average cost of other Silver plans from Ambetter. A plan with a low monthly cost and a low limit, and coverage you need is a great choice.
The Medicare health insurance program provides financial assistance to individuals with qualifying illnesses or disabilities, as well as to those who are 65 years of age or older.
Unlike Medicaid, a program that might be free, certain Medicare plan coverages may require you to pay. Medicare policies, however, are considerably less expensive than private insurance plans.
There are three parts to Medicare, each covering a different service:
MoneyGeek ranked the best Medicare Advantage and best Medicare Supplement plans in Oklahoma in order to help you choose the right coverage.
In Oklahoma, Medicaid is a government-sponsored program that helps lower the cost of health insurance. The program is usually available to low-income children, pregnant women, low-income households and individuals with disabilities.
Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.
The best health insurance in Oklahoma for 2024 is provided by Ambetter. However, the best choice for you will depend on your unique circumstances and needs.
A plan with reasonable prices and sufficient coverage is what you should be looking for. Despite offering reduced prices, some plans and companies might only offer a few services that may not suit all your medical needs. Your unique needs will determine what the best health insurance plan for you is.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
