Health Insurance In-Depth Home      

Do You Qualify For A Subsidy?

Find out if you qualify for a government subsidy under Obamacare. Millions of Americans will have their insurance rates reduced under the new health care law. Learn how much you could save with our simple calculator.

home > state policy guides > Oklahoma




Oklahoma

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.


Compare health plans and get instant quotes:


The search for the best coverage at the lowest price starts with comparing as many plans as possible from providers in your area.

To choose among the hundreds of plans available to you, use our fast and free comparison service to get quotes from major insurers in your state:

    Gender Date of Birth
MM      DD     YYYY
 
Applicant*
 / /
Spouse
 / /
Enter Zip Code:   

Do You Qualify For A Subsidy?


Find out if you qualify for a government subsidy under Obamacare. Millions of Americans will have their insurance rates reduced under the new health care law. Learn how much you could save with our simple calculator.

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.





ZIP Code: 













Health insurance leads for agents | Site map


©Copyright 2002-2011 Health Insurance In-Depth LLC


This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.