Oklahoma Health Insurance

Oklahoma has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes Oklahoma health insurance policy regulations

  • Lists rules Oklahoma health insurance companies must follow

Health insurance policies are regulated by each state's own health insurance laws. Oklahoma health insurance companies and policyholders alike must abide by established insurance laws.

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Oklahoma health insurance policy provisions

Some of the most important Oklahoma health insurance laws are the ones that influence the health insurance policy specifically. Unfortunately, for you, the tax-paying consumer, Oklahoma law is not restrictive of the health insurance companies when it comes to protecting you.

For instance, unlike most states, Oklahoma health insurance laws enforce no limits on pre-existing condition exclusion periods imposed by Oklahoma health insurance companies in most cases. Oklahoma HMOs, however, can not include a pre-existing exclusion period as a part of your health insurance policy.

Also, Oklahoma law allows that pre-existing conditions be permanently excluded from being covered. This is done by attaching an elimination rider to a health insurance policy. Conditions are considered to be pre-existing if you received medical treatment for or were diagnosed with them before the beginning of the plan.

One important law that does protect the policyholder is the guaranteed renewability provision, which is included in every Oklahoma health insurance policy issued. This provision states that, as long as your premiums have been paid on time, your Oklahoma health insurance company cannot deny you continued coverage.

Regulating Oklahoma health insurance companies

Like laws regulating Oklahoma health insurance policies, the rules that Oklahoma health insurance companies must follow in regards to price and policy also are not very restrictive.

For one, any Oklahoma health insurance company can refuse your application for health insurance. In considering your application the health insurance company can also take into account your health and charge you more if your health is determined to be a liability

However, once you purchase an Oklahoma health insurance policy, your insurance company must honor your request to renew your health insurance policy.

More OK health insurance help

If you want more help getting a good health insurance policy, take our free health insurance internet course.

Also see the guide to Oklahoma small business health insurance.


To find out more about OK health insurance laws and regulations, visit the official website of the Oklahoma Insurance Department.