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Oklahoma Marketplace health insurance in 2026

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Oklahoma ACA Marketplace quick facts
Oklahoma health insurance Marketplace guide
This guide, including the FAQs below, was developed to help you understand the Oklahoma health insurance options available for you and your family.
The options found in Oklahoma’s ACA Marketplace may be a good choice for many consumers. Oklahoma uses the federally-facilitated health insurance exchange (Marketplace), Healthcare.gov, where residents can purchase ACA-compliant Marketplace plans.
The Oklahoma Marketplace provides access to health insurance plans from seven private insurers for 2025,3 all of which will continue to offer coverage in 20262 (see details below about premium changes for 2026).
But insurer participation varies significantly from one area to another, ranging from one insurer in some counties in 2025, to five or more in others.4
Depending on your income and other circumstances, you may also get help to lower your monthly insurance premium (the amount you pay to enroll in the coverage), and possibly your out-of-pocket expenses, when you enroll in a policy through the Oklahoma Health Insurance Marketplace.
Frequently asked questions about health insurance in Oklahoma
Who can buy Marketplace health insurance in Oklahoma?
To be able to enroll in a health plan through the Oklahoma Marketplace, you must: 5
- Live in Oklahoma
- Be lawfully present in the United States
- Not be incarcerated
- Not be enrolled in Medicare
Eligibility for financial assistance (premium subsidies and cost-sharing reductions) depends on your income. In addition, to qualify for financial assistance with your Marketplace plan you must:
- Not have access to affordable health coverage offered by an employer. If your employer offers coverage but you feel it’s too expensive, you can use our Employer Health Plan Affordability Calculator to see if you might qualify for premium subsidies in the Marketplace.
- Not be eligible for Medicaid or CHIP.
- Not be eligible for premium-free Medicare Part A.6
- If married, file a joint tax return.7
- Not be able to be claimed by someone else as a tax dependent.7
When can I enroll in an ACA-compliant plan in Oklahoma?
In Oklahoma, open enrollment for individual and family health coverage runs from November 1 to January 15.8
Your coverage will start on January 1 if you enroll before December 15. But if you apply between December 16 and January 15, your coverage will begin on February 1.8 (Note that for 2025 coverage, the deadline to enroll in a policy with a January 1 effective date was extended to December 18.)
The open enrollment window will be shorter starting in the fall of 2026, due to a federal rule change that was finalized in 2025. It will still begin on November 1, but will end on December 15. And all plans selected during open enrollment will take effect January 1 of the coming year.
Outside of open enrollment, a special enrollment period (typically linked to a specific qualifying life event) is necessary to enroll or make changes to your coverage.
If you have questions about open enrollment, you can learn more in our comprehensive guide to open enrollment. We also have a comprehensive guide to special enrollment periods.
How do I enroll in an Oklahoma Marketplace plan?
To enroll in an ACA Marketplace plan in Oklahoma, you can:
- Visit Healthcare.gov to access Oklahoma’s Health Insurance Marketplace. Here you will find an online platform to shop, compare, and choose the best health plans.
- Purchase individual and family health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor, or an approved enhanced direct enrollment entity.9
You can reach HealthCare.gov’s call center by dialing 1-800-318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, except holidays.
How can I find affordable health insurance in Oklahoma?
Oklahoma uses the federally-facilitated exchange/Marketplace for individual market plans, so residents who buy their own health insurance enroll through HealthCare.gov.
Ninety-six percent of Oklahoma Marketplace enrollees qualified for premium subsidies (advance premium tax credits) in 2025. The average subsidy in Oklahoma was $558/month in 2025, bringing the average net premium down to just $58/month for subsidy-eligible enrollees.10
In addition to premium tax credits, the Affordable Care Act provides cost-sharing reductions (CSR) that will reduce out-of-pocket costs on Silver-level plans if your household income isn’t more than 250% of the poverty level.11 In 2025, 56% of Oklahoma Marketplace enrollees were receiving CSR benefits.12
Between the premium subsidies and cost-sharing reductions, you may find that an ACA plan in the Oklahoma Health Insurance Marketplace provides the best value for your health insurance needs.
Source: CMS.gov10
Oklahoma implemented the ACA’s expansion of Medicaid starting in mid-2021, under the terms of a voter-approved ballot measure. So Medicaid is available to Oklahoma adults under age 65 with household income up to 138% of the poverty level (a little under $21,600 in annual income for a single person in 2025).13 (Medicaid was already available to children with even higher household income,14 and is available to older adults but with both income and asset limits.)
How many insurers offer Marketplace coverage in Oklahoma?
For 2026, seven insurers will offer health plans through the Oklahoma exchange, all of which also offered coverage in 2025:2
- BCBSOK
- Oscar
- Medica
- CommunityCare
- UnitedHealthcare
- Ambetter (Centene/Celtic)
- Mending Health (formerly Taro Health)
Insurer participation in Oklahoma’s Marketplace varies significantly from one area to another. Some counties, especially in the western part of the state, have just a single participating insurer in 2025, while others have five or more insurers offering plans.4
Are Marketplace health insurance premiums increasing in Oklahoma?
The following average premium changes have been proposed by Oklahoma’s Marketplace insurers for 2026,2 amounting to a weighted average proposed rate increase of 25.2% (calculated before subsidies are applied):15
Oklahoma’s ACA Marketplace Plan 2026 PROPOSED Rate Increases by Insurance Company |
|
---|---|
Issuer | Percent Increase |
BCBSOK | 32.7% |
Oscar | 13.9% |
Medica | 19.6% |
CommunityCare | 7.9% |
UnitedHealthcare | 8.5% |
Ambetter (Centene/Celtic) | 24.6% |
Mending Health (formerly Taro Health) | 20.9% |
Source: RateReview.HealthCare.gov2
The proposed rate changes apply to full-price premiums, but most Oklahoma Marketplace enrollees qualify for premium subsidies and thus do not pay full price for their coverage.12
However, federal subsidies will become smaller and available to fewer people in 2026 unless Congress takes action to extend the subsidy enhancements that have been in place since 2021. The Oklahoma Insurance Department projects that the average after-subsidy cost of a benchmark silver plan in Oklahoma will increase from $58/month in 2025 to $153/month in 2026 if the subsidy enhancements expire.16
Oklahoma is one of only three states that do not have their own effective rate review programs, so Oklahoma health insurance rates are reviewed by federal regulators.17
For perspective, here’s an overview of how full-price (pre-subsidy) premiums have changed over time in Oklahoma’s individual/family market:
- 2015: Average increase of 12.2%18
- 2016: Average increase of 25.8%19
- 2017: Average increase of 76%20 (CSR cost added to 2017 rates, a year ahead of other states)21
- 2018: Average increase of 8.7%22
- 2019: Average decrease of 1.9%23
- 2020: Average increase of 2.7%24
- 2021: Rates mostly unchanged25
- 2022: Average increase of 4.4%26
- 2023: Average increase of 8%-10%27
- 2024: Average increase of 4.4%28
- 2025: Average (unweighted) decrease of 0.7%29
Oklahoma submitted a 1332 waiver proposal to the federal government in 2017. The goal was to create a reinsurance program to reduce full-price premiums in the state’s individual market, followed by additional extensive state-led reforms. But amid approval delays the state withdrew the waiver proposal and has not revisited the issue since.30
How many people are insured through Oklahoma’s Marketplace?
During the open enrollment period for 2025 coverage, 307,989 people enrolled in private individual market plans through Oklahoma’s exchange.31 This was the seventh year in a row that Oklahoma’s exchange enrollment had hit a record high (see chart below).
The surge in enrollment during these years was due in part to American Rescue Plan (ARP) provisions that made ACA’s premium subsidies more substantial.16 Under the ARP – extended by the Inflation Reduction Act – subsidies are more significant and accessible through the end of 2025.32
The enrollment growth in 2024 and 2025 was also partially due to the “unwinding” of the pandemic-era Medicaid continuous coverage rule. By April 2024, CMS reported that nearly 118,000 Oklahoma residents had transitioned from Medicaid to a Marketplace plan by that point during the unwinding period.33
Source: 2014,34 2015,35 2016,36 2017,37 2018,38 2019,39 2020,40 2021,41 2022,42 2023,43 2024,44 202531
What health insurance resources are available to Oklahoma residents?
HealthCare.gov
800-318-2596
State Exchange Profile: Oklahoma
The Henry J. Kaiser Family Foundation overview of Oklahoma’s progress toward creating a state health insurance exchange.
Oklahoma Insurance Department
Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care. (405) 521-2991 / Toll Free in OK: (800) 522-0071 / [email protected]
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Footnotes
- ”2025 OEP State-Level Public Use File (ZIP)” Centers for Medicare & Medicaid Services, Accessed May 13, 2025 ⤶ ⤶
- ”Oklahoma Rate Review Submissions” RateReview.HealthCare.gov. Accessed Sep. 16, 2025 ⤶ ⤶ ⤶ ⤶ ⤶
- ”Health Insurance Marketplace Open Enrollment Begins in Oklahoma: Secure Your Health Coverage for 2025” Oklahoma Insurance Department. Oct. 16, 2024 ⤶
- ”Plan Year 2025 Qualified Health Plan Choice and Premiums in HealthCare.gov Marketplaces” Centers for Medicare and Medicaid Services. Oct. 25, 2024 ⤶ ⤶
- ”A quick guide to the Health Insurance Marketplace” HealthCare.gov ⤶
- Medicare and the Marketplace, Master FAQ. Centers for Medicare and Medicaid Services. Accessed November 2023. ⤶
- Premium Tax Credit — The Basics. Internal Revenue Service. Accessed May 10, 2024 ⤶ ⤶
- “When can you get health insurance?” HealthCare.gov, 2023 ⤶ ⤶
- “Entities Approved to Use Enhanced Direct Enrollment” CMS.gov, Aug. 9, 2024 ⤶
- “2025 Marketplace Open Enrollment Period Public Use Files” CMS.gov, May 2025 ⤶ ⤶
- APTC and CSR Basics. Centers for Medicare and Medicaid Services. June 2023. ⤶
- ”Effectuated Enrollment: Early 2025 Snapshot and Full Year 2024 Average” CMS.gov, July 24, 2025 ⤶ ⤶
- 2025 Poverty Guidelines. U.S. Department of Health and Human Services. Accessed Sep. 16, 2025 ⤶
- Medicaid, Children’s Health Insurance Program, & Basic Health Program Eligibility Levels. Centers for Medicare and Medicaid Services. December 2023. ⤶
- ”2026 Rate Changes – Oklahoma: +25.2%; ~315,000 enrollees facing MASSIVE rate hikes” ACA Signups. Aug. 8, 2025 ⤶
- ”Commissioner Mulready Warns Oklahoma Faces Significant Health Insurance Premium Increases if Federal Subsidies Expire” Oklahoma Insurance Department. Mar. 19, 2025 ⤶ ⤶
- State Effective Rate Review Programs. Centers for Medicare and Medicaid Services. Accessed Sep. 16, 2025 ⤶
- Oklahoma 2015 Rates: 12.2% Avg. Increase (Weighted); 5.6% Net QHP Increase Since 4/19? ACA Signups. September 2014. ⤶
- FINAL PROJECTION: 2016 Weighted Avg. Rate Increases: 12-13% Nationally* ACA Signups. October 2015. ⤶
- Avg. UNSUBSIDIZED Indy Mkt Rate Hikes: 25% (49 States + DC). ACA Signups. October 2016. ⤶
- Iowa & Oklahoma: Approved Rate Hikes Of 51% And 8.7% Respectively; BCBSOK Baked In CSR Cost LAST Year! ACA Signups. October 2017. ⤶
- 2018 Rate Hikes. ACA Signups. October 2017. ⤶
- 2019 Rate Hikes. ACA Signups. October 2018. ⤶
- 2020 Rate Changes. ACA Signups. October 2019. ⤶
- 2021 Rate Changes. ACA Signups. October 2020. ⤶
- Oklahoma: Approved Avg. 2022 #ACA Rate Changes: +4.4% Indy Market (Weighted); +6.3% Sm. Group (Unweighted). ACA Signups. October 2021. ⤶
- Insurance Department Announces Health Plans Participating in the 2023 Oklahoma Marketplace. Oklahoma Insurance Department. ⤶
- So How’d I Do On My 2024 Avg. Rate Change Project? Not Bad At All! ACA Signups. December 2023. ⤶
- ”Oklahoma: Preliminary avg. unsubsidized 2025 #ACA rate change: -0.7% (unweighted); BlueLincs dissolved after one year” ACA Signups. Sep. 11, 2024 ⤶
- Section 1332: State Innovation Waivers. Centers for Medicare and Medicaid Services. Accessed December 2023. ⤶
- “2025 Marketplace Open Enrollment Period Public Use Files” CMS.gov, May 2025 ⤶ ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov, 2023 ⤶
- ”HealthCare.gov Marketplace Medicaid Unwinding Report” Centers for Medicare & Medicaid Services. Data through April 2024; Accessed Aug. 5, 2024 ⤶
- “ASPE Issue Brief (2014)” ASPE, 2015 ⤶
- “Health Insurance Marketplaces 2015 Open Enrollment Period: March Enrollment Report”, HHS.gov, 2015 ⤶
- “HEALTH INSURANCE MARKETPLACES 2016 OPEN ENROLLMENT PERIOD: FINAL ENROLLMENT REPORT” HHS.gov, 2016 ⤶
- “2017 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2017 ⤶
- “2018 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2018 ⤶
- “2019 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2019 ⤶
- “2020 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2020 ⤶
- “2021 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2021 ⤶
- “2022 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2022 ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov, Accessed August 2023 ⤶
- ”HEALTH INSURANCE MARKETPLACES 2024 OPEN ENROLLMENT REPORT” CMS.gov, 2024 ⤶