Best Short-Term Health Insurance in Oklahoma (2024)

Short-term health insurance serves to bridge coverage gaps. It can last a year or as little as a few weeks or months. It’s an ideal option for people between jobs or those waiting for open enrollment.

However, short-term plans aren’t ACA-compliant. They don't always offer essential health benefits, and providers can deny applicants with pre-existing conditions or certain medical concerns.

If you’re looking for the best short-term medical insurance in Oklahoma, consider National General Accident & Health and Everest Reinsurance Company, both with scores of 85. Overall, an ideal short-term health insurance policy offers coverage that meets your specific needs at an affordable price.

Remember that short-term health insurance should not replace marketplace plans offering necessary medical benefits. If cost is an issue and you need long-term coverage, we recommend researching subsidies to find a marketplace plan at a cost similar to a short-term plan.

Oklahoma’s best short-term health insurance provider is National General Accident & Health, earning a MoneyGeek score of 85 out of 100. This insurance provider has an average maximum out-of-pocket (MOOP) cost of $6,875.

• Everest Reinsurance Company: 85 out of 100
• Companion Life Insurance Company: 63 out of 100

MoneyGeek selected these companies based on the variety of cost-sharing options and average MOOP expenses. The average MOOP of Everest Reinsurance is $7,958, whereas the average MOOP of Companion Life is $12,483.

National General Accident & Health’s average MOOP is $6,875, the cheapest for short-term health insurance in Oklahoma. Lower premiums can be enticing but note that they are usually paired with higher out-of-pocket costs. If you’re prioritizing a plan’s cost, ensure the coverage is sufficient for your medical needs.

In Oklahoma, you can purchase health insurance for one month with low premiums. People between jobs may prefer cheaper premiums, but these usually come with high MOOPs. If you don’t need to see your doctor often, then monthly health insurance is a great option.

MoneyGeek evaluated the premiums and cost-sharing options and found that the best providers of short-term health insurance between jobs are:

• Everest Reinsurance Company: $154 per month
• Companion Life Insurance Company: $141 per month
• Independence American Insurance Company: $156 per month

These companies have average monthly premiums between $141–156. While Everest Reinsurance Company’s premiums are slightly more expensive than our runner-up’s, it has the lowest out-of-pocket limits.

Short-term health insurance is designed to cover lapses in coverage, ranging between a few weeks to a year. It should act as an emergency plan rather than a preventive strategy.

Some states allow you to get insurance for up to 364 days and renew your plan more than once. However, this is not the case in Oklahoma. Short-term insurance plans in Oklahoma that don't offer state-mandated benefits are non-renewable and shouldn’t cover you beyond six months. If you opt for a plan that extends beyond that period, it must include all state-mandated benefits.

Oklahoma also allows health insurance companies to exclude benefits for pre-existing conditions.

Shopping for short-term health insurance in Oklahoma can be overwhelming. MoneyGeek answered the most commonly asked questions to get you started.