Most Affordable Health Insurance in Oklahoma


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Key Takeaways

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CommunityCare provides Oklahoma's most affordable health insurance, saving policyholders an average of $285 per month compared to the state average.

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Blue Cross Blue Shield offers top-rated full coverage Gold plans, with affordable pricing starting at $476 monthly.

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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

CommunityCare provides Oklahoma's cheapest overall health insurance with an average monthly premium of $343. Availability can vary; other affordable options include Medica, Ambetter, Oscar and Blue Cross Blue Shield.

CommunityCare$343$285
Medica$467$160
Ambetter$486$141
Oscar$510$117
Blue Cross Blue Shield$519$108

*These plans reflect rates for 40-year-olds who aren't considered low-income.

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:

  • Cheapest for Young Adults: Medica ($467 monthly)
  • Cheapest for Seniors: Medica ($992 monthly)
  • Cheapest Catastrophic Plan: Medica ($254 monthly)
  • Cheapest Expanded Bronze Plan: Medica ($345 monthly)
  • Cheapest Bronze Plan: Blue Cross Blue Shield ($371 monthly)
  • Cheapest Silver Plan: Medica ($467 monthly)
  • Cheapest Gold Plan: Blue Cross Blue Shield ($476 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
MedicaBalance by Medica Silver Share$467$100$7,600

Cheapest Health Insurance Plans by County in Oklahoma

CommunityCare is the cheapest provider overall and also 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.

AdairCommunityCare$525CommunityCare Silver Standardized Select Plus
AlfalfaCommunityCare$525CommunityCare Silver Standardized Select Plus
AtokaCommunityCare$525CommunityCare Silver Standardized Select Plus
BeaverCommunityCare$525CommunityCare Silver Standardized Select Plus
BeckhamCommunityCare$525CommunityCare Silver Standardized Select Plus
BlaineCommunityCare$525CommunityCare Silver Standardized Select Plus
BryanCommunityCare$525CommunityCare Silver Standardized Select Plus
CaddoCommunityCare$525CommunityCare Silver Standardized Select Plus
CanadianBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
CarterCommunityCare$525CommunityCare Silver Standardized Select Plus
CherokeeCommunityCare$525CommunityCare Silver Standardized Select Plus
ChoctawCommunityCare$525CommunityCare Silver Standardized Select Plus
CimarronCommunityCare$525CommunityCare Silver Standardized Select Plus
ClevelandBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
CoalCommunityCare$525CommunityCare Silver Standardized Select Plus
CottonCommunityCare$525CommunityCare Silver Standardized Select Plus
CraigCommunityCare$525CommunityCare Silver Standardized Select Plus
CreekBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
CusterCommunityCare$525CommunityCare Silver Standardized Select Plus
DelawareCommunityCare$525CommunityCare Silver Standardized Select Plus
DeweyCommunityCare$525CommunityCare Silver Standardized Select Plus
EllisCommunityCare$525CommunityCare Silver Standardized Select Plus
GarfieldCommunityCare$525CommunityCare Silver Standardized Select Plus
GarvinCommunityCare$525CommunityCare Silver Standardized Select Plus
GradyBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
GrantCommunityCare$525CommunityCare Silver Standardized Select Plus
GreerCommunityCare$525CommunityCare Silver Standardized Select Plus
HarmonCommunityCare$525CommunityCare Silver Standardized Select Plus
HarperCommunityCare$525CommunityCare Silver Standardized Select Plus
HaskellCommunityCare$525CommunityCare Silver Standardized Select Plus
HughesCommunityCare$525CommunityCare Silver Standardized Select Plus
JacksonCommunityCare$525CommunityCare Silver Standardized Select Plus
JeffersonCommunityCare$525CommunityCare Silver Standardized Select Plus
JohnstonCommunityCare$525CommunityCare Silver Standardized Select Plus
KayCommunityCare$525CommunityCare Silver Standardized Select Plus
KingfisherCommunityCare$525CommunityCare Silver Standardized Select Plus
KiowaCommunityCare$525CommunityCare Silver Standardized Select Plus
LatimerCommunityCare$525CommunityCare Silver Standardized Select Plus
LincolnBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
LoganBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
LoveCommunityCare$525CommunityCare Silver Standardized Select Plus
MajorCommunityCare$525CommunityCare Silver Standardized Select Plus
MarshallCommunityCare$525CommunityCare Silver Standardized Select Plus
MayesCommunityCare$525CommunityCare Silver Standardized Select Plus
McClainBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
McCurtainCommunityCare$525CommunityCare Silver Standardized Select Plus
McIntoshCommunityCare$525CommunityCare Silver Standardized Select Plus
MurrayCommunityCare$525CommunityCare Silver Standardized Select Plus
MuskogeeCommunityCare$525CommunityCare Silver Standardized Select Plus
NobleCommunityCare$525CommunityCare Silver Standardized Select Plus
NowataCommunityCare$525CommunityCare Silver Standardized Select Plus
OkfuskeeCommunityCare$525CommunityCare Silver Standardized Select Plus
OklahomaBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
OkmulgeeBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
OsageBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
OttawaCommunityCare$525CommunityCare Silver Standardized Select Plus
PawneeBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
PayneCommunityCare$525CommunityCare Silver Standardized Select Plus
PittsburgCommunityCare$525CommunityCare Silver Standardized Select Plus
PontotocCommunityCare$525CommunityCare Silver Standardized Select Plus
PottawatomieCommunityCare$525CommunityCare Silver Standardized Select Plus
PushmatahaCommunityCare$525CommunityCare Silver Standardized Select Plus
Roger MillsCommunityCare$525CommunityCare Silver Standardized Select Plus
RogersBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
SeminoleCommunityCare$525CommunityCare Silver Standardized Select Plus
StephensCommunityCare$525CommunityCare Silver Standardized Select Plus
TexasCommunityCare$525CommunityCare Silver Standardized Select Plus
TillmanCommunityCare$525CommunityCare Silver Standardized Select Plus
TulsaBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
WagonerBlue Cross Blue Shield$491MyBlue Silver HMO℠ 803
WashingtonCommunityCare$525CommunityCare Silver Standardized Select Plus
WashitaCommunityCare$525CommunityCare Silver Standardized Select Plus
WoodsCommunityCare$525CommunityCare Silver Standardized Select Plus
WoodwardCommunityCare$525CommunityCare Silver Standardized Select Plus

How to Find the Cheapest Health Insurance in Oklahoma

Follow these steps to find affordable health insurance in Oklahoma:

  1. 1

    Determine 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.

  2. 2

    Find out your subsidy eligibility

    People earning between $14,580 and $54,000 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%.

  3. 3

    Consider 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.

  4. 4

    Review 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.

  5. 5

    Compare 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.

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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 CommunityCare, Medica, Ambetter, 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?

What are the downsides of a cheap health insurance plan?

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.

About Mark Fitzpatrick


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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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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