Best Health Insurance in Oklahoma (2026)

CommunityCare offers the best health insurance in Oklahoma. UnitedHealthcare, Blue Cross Blue Shield and Mending Health also provide excellent options.

Discover top health insurance plans in Oklahoma below.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Key Takeaways

CommunityCare is Oklahoma's top health insurance provider, offering affordable premiums alongside comprehensive coverage.

Silver-tier HMO plans from CommunityCare average $618 monthly, making them the cheapest health insurance in Oklahoma.

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Oklahoma

CommunityCare is the best health insurance company in Oklahoma with a 4.5 out of 5 MoneyGeek score. UnitedHealthcare, Blue Cross Blue Shield and Mending Health are other great options, depending on your age, income, network preferences and eligibility for subsidies.


Communitycare	$618	$5,348	$3,270	4.5	Communitycare Silver Slih223
UnitedHealthcare	$754	$5,749	$1,927	4.2	Uhc Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals)
Blue Cross Blue Shield	$704	$6,071	$2,155	4.1	Myblue Silver Hmo℠ 705
Mending Health	$767	$5,943	$2,229	3.9	Mending Direct Primary Care Silver 2300 ($0 Dpc + $0 Pcp + $0 Mental Health)

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.

CommunityCare

MoneyGeek Rating

4.5/ 5

5/5Affordability

2.5/5Deductible

5/5MOOP

Average Monthly Rate
$618
Average MOOP
$5,348
Average Deductible
$3,270

pros
- Cheapest HMO plans in the state
- Low $1,725 deductibles for Gold plans
- Offers Catastrophic through Gold coverage options
cons
- HMO plans only, limiting network flexibility
- Catastrophic plans carry high $10,600 deductibles and MOOP limits
CommunityCare is the best health insurance in Oklahoma with the cheapest Silver HMO plans at 11% below state averages, saving residents $926 annually. Monthly premiums range from $304 for Catastrophic coverage to $647 for Gold. Silver plans are priced at $618 and feature moderate deductibles of $3,270. Gold plans offer low deductibles of $1,725 at just $29 more per month than Silver and run 9% below the state average. Expanded Bronze balances affordability and protection at $490 with HSA eligibility.

CommunityCare's community-focused HMO network emphasizes local access and personalized service, making it ideal for those seeking budget-friendly coverage rooted in regional health care relationships.
Communitycare Oklahoma health insurance plans for 2026:
Data filtered by:
Metal Level
Catastrophic
Communitycare Catastrophic $304 HMO Catastrophic $10,600 $10,600 Yes


Communitycare Catastrophic	$304	HMO	Catastrophic	$10,600	$10,600	Yes

UnitedHealthcare

MoneyGeek Rating

4.2/ 5

4.2/5Affordability

5/5Deductible

3.3/5MOOP

Average Monthly Rate
$754
Average MOOP
$5,749
Average Deductible
$1,927

pros
- National network provides extensive provider access nationwide
- Gold plans feature low $1,500 deductibles
- HSA-eligible options in Bronze and Expanded Bronze tiers
cons
- Premiums run 5-9% above Oklahoma average on most tiers
- Bronze plans have high $7,950 deductibles and out-of-pocket maximums
UnitedHealthcare brings national carrier resources to Oklahoma with HMO plans spanning Bronze through Gold tiers, though premiums run 5% to 9% above state averages for most coverage levels. Bronze premiums average $520 monthly with matching $7,950 deductibles and out-of-pocket maximums. Silver and Gold cluster tightly at $754 and $758, respectively, with Silver offering $1,927 deductibles and Gold offering minimal $1,500 deductibles.

UnitedHealthcare's pricing exceeds that of local competitors like CommunityCare, but its nationwide network and major carrier infrastructure appeal to consumers who prioritize brand recognition and extensive provider access over bottom-line savings.
UnitedHealthcare Oklahoma health insurance plans for 2026:
Data filtered by:
Metal Level
Bronze
Uhc Bronze Essential (No Referrals) $520 HMO Bronze $7,950 $7,950 Yes


Uhc Bronze Essential (No Referrals)	$520	HMO	Bronze	$7,950	$7,950	Yes

Blue Cross Blue Shield

MoneyGeek Rating

4.1/ 5

4.5/5Affordability

4.5/5Deductible

2.6/5MOOP

Average Monthly Rate
$704
Average MOOP
$6,071
Average Deductible
$2,155

pros
- Offers HMO and PPO plans
- Low $1,000 deductible on Gold HMO plans
- HSA-eligible Bronze and Expanded Bronze options
cons
- PPO premiums jump $200-$300 monthly over HMO equivalents
- Catastrophic PPO averages $815 monthly with $10,600 deductible
Blue Cross Blue Shield offers both HMO and PPO plans across all coverage tiers in Oklahoma. Monthly rates range from $526 to $932, depending on plan type and metal tier. HMO plans stay close to state averages. Gold HMO costs $684 monthly with $1,000 deductibles, 4% below Oklahoma's average for this tier. Silver HMO runs $704 with $2,155 deductibles.

PPO options provide out-of-network access but cost $200-$300 more per month than comparable HMO plans. This price difference reflects the broader provider network and added flexibility. BCBS's two network types let you choose between lower premiums (HMO) and wider provider access (PPO). Residents prioritizing affordability over network breadth will find lower rates with CommunityCare's HMO-only structure.
Blue Cross Blue Shield Oklahoma health insurance plans for 2026:
Data filtered by:
Plan Type
HMO
Metal Level
Bronze
Myblue Bronze Hmo℠ 904 $546 HMO Bronze $7,613 $3,375 Yes
Myblue Bronze Hmo℠ 902 $506 HMO Bronze $7,950 $7,950 Yes


Myblue Bronze Hmo℠ 904	$546	HMO	Bronze	$7,613	$3,375	Yes
Myblue Bronze Hmo℠ 902	$506	HMO	Bronze	$7,950	$7,950	Yes

Best Oklahoma Health Insurance by Category

The best health insurance in Oklahoma varies by age and network type. Our review of Silver-tier plans in the state reveals pricing leaders across different age groups and network categories.

By Age:

Teens (18): CommunityCare HMO ($442 monthly), Oscar PPO ($419)
Young adults (26): CommunityCare HMO ($495 monthly), Oscar PPO ($470)
Adults (40): CommunityCare HMO ($618 monthly), Oscar PPO ($587)
Seniors (60): CommunityCare HMO ($1,313 monthly), Oscar PPO ($1,246)

By Network Type (40-year-olds):

HMO: CommunityCare leads at $618 monthly with Silver-tier benefits
PPO: Oscar provides the best value at $587 monthly

Compare Health Insurance Companies in Oklahoma

Health insurance costs vary between providers and metal tiers in Oklahoma. The comparison table below breaks down plans by age, coverage level and HSA eligibility to help you find suitable options.

Data filtered by:


Communitycare	$618	HMO	Silver	$5,348	$3,270	40	No
Blue Cross Blue Shield	$704	HMO	Silver	$6,071	$2,155	40	No
UnitedHealthcare	$754	HMO	Silver	$5,749	$1,927	40	No
Mending Health	$767	HMO	Silver	$5,943	$2,229	40	No

*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.

How to Find the Best Health Insurance in Oklahoma

Finding the right health insurance in Oklahoma involves evaluating your coverage needs, checking insurer reliability and exploring available enrollment paths.

Decide on your coverage needs before buying

Compare monthly premiums against out-of-pocket limits before choosing a plan. If you visit doctors frequently, higher monthly costs with lower out-of-pocket limits often save money long-term. For those rarely needing care, lower-premium plans with higher deductibles may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.

Compare company offerings and reputations

Research what plans insurers offer in your area and compare coverage terms, provider networks and benefits. Check company reputations through J.D. Power ratings and state complaint databases to verify claims handling and customer service quality before making your decision.

Shop around

Oklahoma health insurance rates vary based on age, plan type, coverage level and location. Open Enrollment is from November 1 to January 15. Special Enrollment applies after qualifying life events like job loss, divorce, marriage or having a child. Compare quotes from multiple insurers to find the best value.

Take advantage of federal programs and subsidies

Oklahoma residents may qualify for federal subsidies, expanded Medicaid or other financial assistance based on income and household size. Some may be eligible for $0 premium plans. Medicare-eligible residents can explore Medicare Supplement and Medicare Advantage plans for additional coverage options.

Average Health Insurance Cost in Oklahoma

Oklahoma health insurance costs vary based on plan type, metal tier, age and location. HMO plans are the most affordable option, with Bronze coverage averaging $524 monthly and Gold at $712. PPO plans cost more, starting at $607 for Bronze and reaching $763 for Gold coverage.


HMO	$524	$695	$712
PPO	$607	$713	$763

*Average monthly premiums for 40-year-olds in Oklahoma by plan type. Rates vary by age and location.

Best Health Insurance in Oklahoma: Bottom Line

CommunityCare, UnitedHealthcare and Blue Cross Blue Shield lead Oklahoma's Silver-tier HMO market. The best plan for you depends on your age, health needs, budget and preferred provider network. Get quotes from several insurers and compare premiums, deductibles and out-of-pocket maximums to find the right fit.

Best Oklahoma Health Insurance: FAQ

Here are some questions about the best health insurance in Oklahoma:

Is health insurance required in Oklahoma?

Oklahoma does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. While other states offer exemptions for financial hardship or religious beliefs, Oklahoma residents face no state-level requirements. However, eligible Oklahomans can still access federal subsidies through the health insurance marketplace.

When is open enrollment in Oklahoma?

Oklahoma's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select a plan by December 31, 2025, to start coverage on January 1, 2026.

Can you get free health insurance in Oklahoma?

Yes, Oklahoma residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for marketplace subsidies that reduce or eliminate monthly premiums, making coverage affordable for low- to moderate-income families.

How We Chose the Best Health Insurance in Oklahoma

Our ranking system emphasizes affordability by weighing cost-related factors: premiums, deductibles and maximum out-of-pocket expenses.

Scoring methodology:

Monthly premium (60%): Insurance companies with the cheapest average monthly costs receive the best scores.
Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll pay for covered services in a year, not counting premiums. Insurers with lower MOOP limits earn better ratings.
Deductible (20%): Your deductible is how much you pay for covered care before insurance starts paying. Companies with smaller deductibles get higher scores.

We standardized all scores within each comparison group. The best Silver-tier HMO plan receives a 5.0 rating, and other plans are scored relative to that top performer.

MoneyGeek examined every 2026 health insurance plan sold in Oklahoma for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless specified otherwise. Our analysis covers all available metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Oklahoma (2026)

Best Health Insurance Companies in Oklahoma

Best Oklahoma Health Insurance by Category

Compare Health Insurance Companies in Oklahoma

How to Find the Best Health Insurance in Oklahoma

Average Health Insurance Cost in Oklahoma

Best Health Insurance in Oklahoma: Bottom Line

Best Oklahoma Health Insurance: FAQ

Is health insurance required in Oklahoma?

When is open enrollment in Oklahoma?

Can you get free health insurance in Oklahoma?

How We Chose the Best Health Insurance in Oklahoma

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