Best Oklahoma Health Insurance (2024 Plans)

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.

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.

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.

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:

• 73% of your health insurance costs covered if you earn between $27,180 and $33,975 per year (201–250% of the federal poverty level).
• 87% of your costs covered if you make between $20,385 and $27,180 per year (151–200% of the federal poverty level).
• 94% of your costs covered if you earn less than $20,385 per year (up to 150% of the federal poverty level).

The amounts you need to earn change if there are more people living in your house.

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.

Health insurance companies have different plans. The best providers for all plan categories are:

• PPO: Ambetter (MoneyGeek score: 91 out of 100)
• HMO: CommunityCare (MoneyGeek score: 82 out of 100)

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.

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).

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.

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:

• Part A: This includes care for patients needing inpatient hospital, hospice and home medical care. There are also nursing facilities included in this category.
• Part B: This part aids in paying for doctor's appointments, medical tests and supplies for medical needs.
• Part D: Vaccines and prescription drugs can be offset by this.

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.