Ambetter provides Oklahoma's cheapest overall health insurance with an average monthly premium of $526. Availability can vary; other affordable options include Medica, CommunityCare, Oscar and Blue Cross Blue Shield.
Cheapest Health Insurance in Oklahoma: Affordable Plans for 2025
Updated: November 7, 2025
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Key Takeaways
Ambetter provides Oklahoma's most affordable health insurance, saving policyholders an average of $65 per month compared to the state average.
Blue Cross Blue Shield offers top-rated full coverage Gold plans, with affordable pricing starting at $476 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility, and comparing plans from several companies.
Most Affordable Health Insurance Companies in Oklahoma
| Ambetter | $526 | $6,314 | $7,750 |
| Blue Cross Blue Shield | $536 | $6,429 | $9,333 |
| Oscar | $539 | $6,465 | $8,840 |
| CommunityCare | $582 | $6,988 | $8,833 |
| Medica | $596 | $7,147 | $9,275 |
| UnitedHealthcare | $624 | $7,485 | $9,380 |
| Taro Health Plan | $721 | $8,657 | $9,050 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Health Insurance Provider in Oklahoma: Ambetter
pros
Most affordable Silver plan at $526 monthly for a 40-year-old
Premier network lets you see specialists without referrals
Lower out-of-pocket maximum of $7,750 compared to the Oklahoma marketplace average
Virtual 24/7 Care is included for non-emergency medical issues
cons
15% denial rate for prior authorizations
Limited to PPO plans only (no HMO or EPO options)
Customer service complaints about responsiveness
COMPANY HIGHLIGHTS
Ambetter offers the cheapest health insurance in Oklahoma at $526 monthly for Silver coverage, making it a solid option if you're watching your budget. The company reduced premiums by 8% for 2025 in 36 Oklahoma counties, which means real savings compared to last year.
The Premier network gives you access to Oklahoma's broadest provider network without needing referrals to see specialists. Your out-of-pocket maximum caps at $7,750, protecting you from catastrophic medical expenses. Virtual 24/7 Care connects you with licensed providers by phone or video for illnesses such as the flu, ear infections, and respiratory issues, saving trips to urgent care when you don't feel well.
Our data shows Ambetter denies 15% of prior authorization requests, so expect some back-and-forth if you need specialist procedures. Customer reviews mention frustrations with provider network accuracy and getting customer service help when needed. On the upside, you can earn rewards for health activities, and starting in 2026, some plans will eliminate copays for diabetes medications and supplies.
Cheapest Oklahoma Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Oklahoma, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Children (0-14) | Ambetter | $315 | $3,780 | $7,750 |
| Teens (18) | Ambetter | $376 | $4,511 | $7,750 |
| Young Adults (26) | Ambetter | $422 | $5,059 | $7,750 |
| Adults (40) | Ambetter | $526 | $6,314 | $7,750 |
| People with Depression (40) | Blue Cross Blue Shield | $536 | $6,429 | $9,333 |
| People needing Pain Management (40) | CommunityCare | $582 | $6,988 | $8,833 |
| People with Low Back Pain (40) | Medica | $596 | $7,147 | $9,275 |
| Seniors (60) | Ambetter | $1,117 | $13,409 | $7,750 |
Cheapest Health Insurance Plans by County in Oklahoma
While Ambetter is the cheapest provider overall, CommunityCare is the most affordable and widely available for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adair | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Alfalfa | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Atoka | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Beaver | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Beckham | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Blaine | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Bryan | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Caddo | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Canadian | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Carter | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Cherokee | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Choctaw | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Cimarron | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Cleveland | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Coal | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Cotton | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Craig | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Creek | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Custer | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Delaware | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Dewey | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Ellis | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Garfield | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Garvin | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Grady | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Grant | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Greer | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Harmon | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Harper | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Haskell | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Hughes | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Jackson | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Jefferson | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Johnston | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Kay | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Kingfisher | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Kiowa | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Latimer | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Lincoln | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Logan | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Love | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Major | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Marshall | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Mayes | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| McClain | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| McCurtain | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| McIntosh | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Murray | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Muskogee | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Noble | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Nowata | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Okfuskee | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Oklahoma | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Okmulgee | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Osage | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Ottawa | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Pawnee | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Payne | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Pittsburg | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Pontotoc | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Pottawatomie | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Pushmataha | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Roger Mills | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Rogers | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Seminole | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Stephens | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Texas | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Tillman | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Tulsa | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Wagoner | Blue Cross Blue Shield | $491 | MyBlue Silver HMO℠ 803 |
| Washington | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Washita | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Woods | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
| Woodward | CommunityCare | $525 | CommunityCare Silver Standardized Select Plus |
How to Find the Cheapest Health Insurance in Oklahoma
Follow these steps to find affordable health insurance in Oklahoma:
- 1Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5Compare plans during Enrollment
Open Enrollment is from November 1 to January 15, but Special Enrollment is possible if you've had a significant life event like job loss or childbirth. During this period, compare plans based on type, customer ratings, costs and provider networks to ensure you select a comprehensive and affordable option.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Oklahoma: Bottom Line
Oklahoma's most affordable health insurance companies are Ambetter, CommunityCare, Medica, Oscar and Blue Cross Blue Shield. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Oklahoma Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Oklahoma:
What is the cheapest health insurance in Oklahoma?
Ambetter offers Oklahoma's most affordable health insurance, with Silver plans starting at $526 for 40-year-olds. Consider CommunityCare, Blue Cross Blue Shield, Oscar, and Medica for different needs and incomes.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Oklahoma
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Oklahoma based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.