Updated: January 23, 2026
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The most affordable health insurance options in Oklahoma are CommunityCare at $569 monthly, Oscar at $607 and Ambetter at $690.
Our analysis shows CommunityCare provides the cheapest health insurance across most demographics in Oklahoma and is top for HMO plans.
Oklahoma residents save $148 monthly with CommunityCare, which offers the most affordable health insurance at $569 average monthly rates compared to the state average. Oscar ranks second at $607 monthly, while Ambetter comes third at $690 monthly.
CommunityCare's lower premiums come with higher deductibles and maximum out-of-pocket costs. 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 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Oklahoma. We calculate average monthly savings by comparing each provider's average rate against the statewide average.
Average Monthly Rate
Average MOOP
Average Deductible
Cheapest Oklahoma coverage varies widely by age and plan type. Oscar charges children $351 monthly but seniors $1,246, though both pay identical $3,402 deductibles, creating a flat cost-sharing structure that favors younger members who reach spending thresholds faster relative to their lower premiums. CommunityCare costs $618 monthly for HMO plans. To weigh price against coverage, explore 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 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
Catastrophic plans from CommunityCare cost $304 monthly for 40-year-olds in Oklahoma but come with high deductibles before coverage starts. Oscar charges $474 per month for Expanded Bronze and $587 for Silver coverage. Bronze plans through UnitedHealthcare run $520 monthly.
Gold coverage from Oscar costs $586 per month with a $1,500 deductible, just $1 more than Silver plans but with lower out-of-pocket costs when you need care. Oklahoma doesn't offer Platinum plans.
| 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 |
Your health insurance costs depend on several key factors, such as age, plan type, metal level and coverage needs. Our comprehensive Oklahoma data lets you find choices by your specific situation and budget.
We've collected statewide data for Oklahoma to help you sort health plans by cost and coverage level.
| 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 |
These guidelines can help you find comprehensive coverage at a fair price.
Don't automatically pick the lowest-cost Bronze plan. While premiums are low, you might pay more overall due to high deductibles and copays. Silver and Gold tiers often deliver better value when you factor in actual medical expenses.
Review last year's healthcare expenses to guide your choice. If you spent $400 on three doctor visits and lab work, a high-deductible plan with a $7,000 deductible could save you $120 monthly versus a comprehensive Gold plan.
HMO plans deliver premium savings compared to PPO coverage in Oklahoma. You'll work within a specific provider network, but the cost reduction can be high if you're willing to accept those network limitations.
Premium tax credits through the Health Insurance Marketplace reduce monthly payments based on household income. Many working families qualify for financial assistance, so check your eligibility before selecting any plan to maximize savings.
Open enrollment delivers the best plan selection and competitive rates. Missing this period means waiting until next year unless you experience a qualified life event like marriage, job loss or moving that triggers special enrollment.
Confirm your preferred doctors and hospitals accept your chosen plan. Network restrictions vary between insurers in Oklahoma. Contact providers directly or check online directories to avoid surprise out-of-network charges that can increase your health care costs.
For Oklahoma residents, CommunityCare provides the most affordable rates available. Both Oscar and Ambetter follow closely with competitive pricing across different coverage tiers. Rates differ based on plan type and metal level.
We have answers to frequently asked questions about Oklahoma health insurance:
Compare plans across multiple metal tiers from companies such as CommunityCare, Oscar and Ambetter during open enrollment. Consider HMO plans for lower rates and check if you qualify for premium tax credits through the Health Insurance Marketplace. Balance monthly premiums against deductibles based on your expected health care needs.
In Oklahoma, health insurance averages $731 monthly or $8,777 annually across all plan types and metal levels. Monthly premiums span from $181 to $2,485 varying by age, chosen coverage tier and plan type.
Oklahoma does not require residents to have health insurance. Since the federal individual mandate penalty was eliminated in 2019, you won't face tax penalties for going uninsured. Without coverage, you'll pay all medical costs out-of-pocket and can only enroll in marketplace plans during open enrollment or qualifying life events.
To identify Oklahoma's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds.
Our overall cheapest rankings focus on 40-year-olds' monthly premiums since this age group is most common demographically and provides clear comparison. Age-specific cheapest options reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
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.
