Cheapest Health Insurance in Oklahoma (2026)

CommunityCare has Oklahoma's lowest average health insurance rate at $569 a month, $148 below the $717 statewide average. Oscar is cheaper for children and at ages 18, 26, 40 and 60, from $351 to $1,246 a month.

See how your premium compares with Oklahoma's $717 average below.

Written by Mark Fitzpatrick

Updated: October 8, 2026

Advertising & Editorial Disclosure

Key Takeaways

CommunityCare averages $569 a month, $148 below Oklahoma's $717 average, but sells only HMO plans, a fit for buyers who don't need out-of-network care.

Oscar is cheapest at every age shown, and a 60-year-old pays $1,246 a month, $827 more than an 18-year-old, for the same $3,402 deductible.

Oscar's Gold average ($586 at age 40) is $1 below its Silver, with a $1,902 lower deductible but $194 higher out-of-pocket maximum.

Cheapest Health Insurance Providers in Oklahoma

CommunityCare has Oklahoma's lowest average health insurance rate at $569 a month, $148 below the $717 statewide average. Oscar ranks second at $607 and Ambetter third at $690. These averages blend every plan each insurer sells. At age 40, Oscar's PPO plans average $587, $31 below CommunityCare's $618 HMO average.

CommunityCare's HMO plans cover only in-network care, except in emergencies, and cap yearly out-of-pocket costs (MOOP) at $5,348, $608 below the $5,956 average for Oscar's PPO plans. Based on these averages, a 40-year-old who reaches the cap pays $230 less for the year with CommunityCare. For more options, explore the cheapest health insurance available nationwide.


Communitycare	$569	-$148	$6,828	-$1,776
Oscar	$607	-$110	$7,284	-$1,320
Ambetter	$690	-$27	$8,280	-$324
UnitedHealthcare	$716	-$1	$8,592	-$12
Mending Health	$772	+$55	$9,264	+$660
Medica	$773	+$56	$9,276	+$672
Blue Cross Blue Shield	$791	+$74	$9,492	+$888

* Averages are the rounded mean of every monthly plan rate we collected for each insurer in Oklahoma, across all ages, plan types and metal levels. The difference columns compare each insurer with the $717 statewide average; a plus sign means the insurer costs more.

CommunityCare of Oklahoma

MoneyGeek Rating

4.5/ 5

5/5Affordability

2.5/5Deductible

5/5MOOP

Average Monthly Rate
$569
Average MOOP
$6,202
Average Deductible
$3,983

pros
- Lowest average rate in Oklahoma: $569 a month, $38 below Oscar
- Network of local providers throughout Oklahoma
- Out-of-pocket maximum $608 below Oscar's PPO average at age 40
cons
- HMO only, while Oscar's PPO plans average $31 less at age 40
- Authorization required for certain specialist visits
CommunityCare has Oklahoma's lowest average rate at $569 a month across all its plans, $148 below the $717 statewide average and $38 below second-ranked Oscar. It sells only HMO plans, which cover only in-network care, except emergencies, and require authorization for some specialist visits, so it suits buyers whose doctors are in its network.

CommunityCare's premiums range from $182 a month for a child's Catastrophic HMO plan to $1,979 for a 60-year-old's Silver HMO plan. For a 40-year-old, its HMO plans average $618, $31 more than Oscar's PPO plans, with a $5,348 out-of-pocket maximum that's $608 lower than Oscar's PPO plan average. Its network of local Oklahoma providers focuses on preventive care.

Cheapest Oklahoma Health Insurance by Age and Plan Type

Oscar has the cheapest Oklahoma health insurance for every age group in our age table, from $351 a month for children to $1,246 at age 60. Its $3,402 deductible and $5,956 out-of-pocket maximum stay the same at every age, because ACA rules allow age-based pricing on premiums alone. A 60-year-old pays $827 a month more than an 18-year-old for that same cost sharing.

Oscar's PPO plans average $587 a month for a 40-year-old, $31 less than CommunityCare's $618 HMO plans, and PPOs pay part of out-of-network care. CommunityCare's HMO sets its out-of-pocket cap $608 below Oscar's PPO plans, a difference that favors heavy care users who stay in network. To compare price and coverage, see the best health insurance in Oklahoma.


Children	Oscar	$351	$4,213	$5,956	$3,402
Teens	Oscar	$419	$5,028	$5,956	$3,402
Young Adults	Oscar	$470	$5,640	$5,956	$3,402
Adults	Oscar	$587	$7,039	$5,956	$3,402
PPO	Oscar	$587	$7,039	$5,956	$3,402
HMO	Communitycare	$618	$7,417	$5,348	$3,270
Seniors	Oscar	$1,246	$14,947	$5,956	$3,402

*Children are child-only rates. Teens are 18, young adults are 26 and adults are 40. Plan-type rows use rates for 40-year-olds.

Cheapest Oklahoma Health Plans by Metal Level

CommunityCare's Catastrophic plans are the cheapest plan tier for a 40-year-old in Oklahoma at $304 a month, but carry a $10,600 deductible and are open only to people under 30 or with a hardship or affordability exemption. Metal levels set the share of covered care a plan pays, from Bronze up to Gold.

Oscar's Expanded Bronze plans, which pay for at least one major service before the deductible or work with a health savings account, cost $474 a month, $46 less than UnitedHealthcare's standard Bronze, with a $3,000 lower deductible.

Oscar's Gold plans average $586, $1 less than its Silver plans, with a $1,500 deductible compared with $3,402 but a $194 higher out-of-pocket maximum. Lower-income buyers should check Silver, which carries cost-sharing reductions that cut deductibles. No Platinum plans appear in our data.


Catastrophic	Communitycare	$304	$3,648	$10,600	$10,600
Expanded Bronze	Oscar	$474	$5,683	$7,650	$4,950
Bronze	UnitedHealthcare	$520	$6,238	$7,950	$7,950
Gold	Oscar	$586	$7,036	$6,150	$1,500
Silver	Oscar	$587	$7,039	$5,956	$3,402

Age moves premiums more than any plan choice. Oscar's 60-year-old rate is $827 a month above its 18-year-old rate, while switching from Oscar's Silver to Expanded Bronze at 40 saves $113 a month.

Cheap Oklahoma Health Insurance: Personalized Picks

With default filters (Silver HMO, age 40, no health savings account option), CommunityCare's Ascension St. John Empower Silver is the cheapest HMO at $574 a month, $13 below Oscar's $587 Silver average.

Blue Cross Blue Shield's Myblue Silver HMO 705 costs $123 more a month for a $1,607 deductible, $1,872 lower, but its $6,136 out-of-pocket maximum is $707 higher than the Ascension plan's.

Data filtered by:


Communitycare	Ascension St. John Empower Silver	$574	HMO	Silver	$5,429	$3,479	40	No
Communitycare	Ascension St. John Empower Silver Standardized	$596	HMO	Silver	$5,657	$3,100	40	No
Communitycare	Saint Francis Silver Standardized	$603	HMO	Silver	$5,657	$3,100	40	No
Communitycare	Communitycare Silver Standardized	$641	HMO	Silver	$5,657	$3,100	40	No
Communitycare	Communitycare Silver Slih223	$647	HMO	Silver	$4,900	$3,336	40	No
Communitycare	Communitycare Silver L21	$648	HMO	Silver	$4,786	$3,507	40	No
Blue Cross Blue Shield	Myblue Silver Hmo℠ 705	$697	HMO	Silver	$6,136	$1,607	40	No
Blue Cross Blue Shield	Myblue Silver Hmo℠ 803	$702	HMO	Silver	$6,421	$1,757	40	No
Blue Cross Blue Shield	Myblue Silver Hmo℠ Standard	$712	HMO	Silver	$5,657	$3,100	40	No
Mending Health	Mending Direct Primary Care Silver 2300 ($0 Dpc + $0 Pcp + $0 Mental Health)	$720	HMO	Silver	$6,229	$1,357	40	No

How to Get Cheap Health Insurance in Oklahoma

Oscar's Expanded Bronze plans cost $113 a month less than its Silver plans at age 40, the biggest metal-level saving open to all buyers.

1
Look Beyond the Cheapest Plans
UnitedHealthcare's $520 Bronze plans cost $66 a month less than Oscar's $586 Gold plans but carry a $7,950 deductible compared with $1,500. If you reach the out-of-pocket maximum, Gold costs $1,002 less for the year. Buyers who expect to reach Bronze's $7,950 deductible pay less overall with Gold.
2
Assess Your Medical Spending
Add up last year's medical bills. At $400 for three doctor visits and lab work, you wouldn't reach Bronze's $7,950 deductible, and Bronze's premiums are $798 a year lower than Gold's.
3
Compare HMO Plans One by One
CommunityCare's HMO plans average $618 at age 40, $31 more than Oscar's PPO plans, but its Ascension St. John Empower Silver HMO costs $574 for buyers whose doctors are in that network.
4
Check Tax Credit Eligibility
Premium tax credits on HealthCare.gov lower Bronze, Silver and Gold premiums based on household income, and lower-income buyers can also get cost-sharing reductions that cut Silver plan deductibles.
5
Enroll During Open Enrollment
Rates don't drop during open enrollment, and outside it you need a qualifying life event, such as marriage, moving or losing other coverage. American Indians and Alaska Natives can enroll any month.
6
Review Provider Networks
CommunityCare's HMO plans don't cover out-of-network care except emergencies, while Oscar's PPO plans pay part of it. Confirm your doctors and hospitals are in network before enrolling.

Cheapest Health Insurance in Oklahoma: Bottom Line

CommunityCare has Oklahoma's lowest average rate at $569 a month, $148 below the $717 statewide average, and Oscar is cheapest for every age group in our age table, from $351 for children to $1,246 at 60. Age moves premiums most, $827 a month between Oscar's 18- and 60-year-old rates, so compare CommunityCare and Oscar at your age before choosing a metal level.

Affordable Health Insurance in Oklahoma: FAQ

Compare Oscar and CommunityCare at your age and metal level. Oscar is cheapest for every age group in our age table, and its Expanded Bronze plans cost $474 a month at age 40, $113 less than its Silver plans. Premium tax credits on HealthCare.gov lower premiums based on household income.

Oklahoma health insurance averages $717 a month, or $8,604 a year. Individual plans range from $181 to $2,485 a month, and age moves the price most: Oscar charges $419 at 18 and $1,246 at 60.

Oklahoma has no health insurance mandate, and the federal penalty has been $0 since 2019. Uninsured residents pay medical bills themselves, while Oscar's Silver plans cap a 40-year-old's covered in-network costs at $5,956 a year on average. Outside open enrollment, you need a qualifying life event to enroll.

Our Methodology

We gathered 2026 plan rates from HealthCare.gov, the federal Marketplace Oklahoma uses, for ages 18, 26, 40, 50 and 60, plus child-only plans. The overall cheapest table averages every plan rate we collected for each insurer across ages, plan types and metal levels. Age tables show each age group's rates, and plan-type and metal-level tables use 40-year-olds. A lower premium paired with a higher deductible or out-of-pocket maximum raises your costs when you need care.

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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