Key Facts: Oklahoma Health Insurance
- Medicaid Expansion Expanded (July 2021)
- Marketplace Type Federal (HealthCare.gov)
- Medicaid Program SoonerCare
- Open Enrollment Nov 1 - Jan 15
- Uninsured Rate ~12%
Medicaid in Oklahoma (SoonerCare)
Oklahoma's Medicaid program is called SoonerCare, administered by the Oklahoma Health Care Authority (OHCA). Since Medicaid expansion in 2021, significantly more Oklahomans now qualify for coverage.
Who Qualifies for SoonerCare?
You may qualify for SoonerCare if you meet these requirements:
- Oklahoma resident
- U.S. citizen or qualified immigrant
- Income at or below 138% of the Federal Poverty Level (FPL)
Income limits for 2025:
| Household Size | Annual Income Limit |
|---|---|
| 1 person | $20,783 |
| 2 people | $28,208 |
| 3 people | $35,632 |
| 4 people | $43,056 |
How to Apply for SoonerCare
You can apply for SoonerCare year-round through:
- Online: mysoonercare.org
- Phone: 1-800-987-7767
- In-person: Visit your local Department of Human Services (DHS) office
- Mail: Download an application from the OHCA website
Health Insurance Marketplace in Oklahoma
Oklahoma uses the federal marketplace (HealthCare.gov) for ACA health insurance plans. If your income is above 138% FPL, you may qualify for subsidized marketplace coverage.
2025 Open Enrollment Period
For coverage starting in 2025:
- Open Enrollment: November 1, 2024 - January 15, 2025
- Deadline for January 1 coverage: December 15, 2024
Special Enrollment Periods
You may qualify to enroll outside open enrollment if you experience a qualifying life event:
- Loss of other health coverage (including employer coverage)
- Marriage, divorce, or domestic partnership
- Birth or adoption of a child
- Moving to Oklahoma from another state
- Change in household income affecting eligibility
Insurance Companies in Oklahoma
Insurers offering marketplace plans in Oklahoma include:
- Blue Cross Blue Shield of Oklahoma
- Medica
- Oscar Health
- CommunityCare
Average Health Insurance Costs in Oklahoma
Health insurance costs in Oklahoma vary based on your age, location, plan type, and tobacco use. Here are typical 2025 costs:
| Plan Type | Average Monthly Premium |
|---|---|
| Bronze | $350 - $420 |
| Silver (Benchmark) | $450 - $550 |
| Gold | $520 - $620 |
Cost Factors in Oklahoma
- Location: Oklahoma City and Tulsa often have more plan options and competitive rates
- Age: Premiums increase with age (up to 3x for older adults)
- Tobacco: Smokers may pay up to 50% more
- Plan level: Bronze (lower premiums, higher deductibles) vs. Gold (higher premiums, lower deductibles)
Frequently Asked Questions
Did Oklahoma expand Medicaid?
Yes, Oklahoma expanded Medicaid in July 2021 after voters approved State Question 802 in 2020. This made Oklahoma the 38th state to expand Medicaid under the ACA, extending coverage to approximately 200,000 additional adults.
What is SoonerCare?
SoonerCare is Oklahoma's Medicaid program. It provides free or low-cost health coverage to eligible low-income adults, children, pregnant women, elderly, and people with disabilities. With expansion, adults 19-64 earning up to 138% FPL now qualify.
How do I apply for health insurance in Oklahoma?
For marketplace plans, visit HealthCare.gov during open enrollment (November 1 - January 15). For SoonerCare (Medicaid), apply year-round through the Oklahoma Health Care Authority website or call 1-800-987-7767.
How much does health insurance cost in Oklahoma?
Average Silver plan premiums in Oklahoma range from $450-550/month before subsidies. However, most Oklahomans qualify for tax credits that significantly reduce costs. Those earning under 150% FPL may pay $0 for Silver plans.
Need Help Finding Coverage in Oklahoma?
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