Medicare in Oklahoma: 2026 Plans, Costs, and Enrollment Guide

Oklahoma Medicare Snapshot

Oklahoma has 82 Medicare Advantage plans from 12 carriers for 2026 (CMS CY2026 Landscape), with availability across all 77 Oklahoma counties. Oklahoma uses the standard federal Medigap plan letters with attained-age pricing and does not have a state Medigap Birthday Rule or Anniversary Rule.

The average consolidated MA premium is $13.62/month (CMS CY2026 Landscape). The standard Medicare Part B premium is $202.90/month in 2026. Top MA carriers by plan count: Humana (22), UnitedHealthcare (16), and Devoted Health (8).

Plan Types Available in Oklahoma

Medicare Advantage (Part C)

In Oklahoma, 82 MA plans are available for 2026 from 12 carriers (CMS CY2026 Landscape). The largest plan-type categories are PPO (32), HMO (13), PPO D-SNP (8), HMO-POS (7), and PPO C-SNP (5); additional MA plans fall outside the top categories.

Top carriers by plan count: Humana (22 plans), UnitedHealthcare (16 plans), and Devoted Health (8 plans). Average MA star rating is 3.68.

Medigap (Medicare Supplement)

Oklahoma uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 38 carriers offer Plan G in Oklahoma in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 28 Oklahoma carriers.

Oklahoma Medigap rates use attained-age pricing — premiums increase as you age. Oklahoma does not have a state Medigap Birthday Rule or Anniversary Rule. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Oklahoma is a single-state PDP region (CMS PDP Region 23). For 2026, there are 11 standalone PDP plans from 4 carriers in Oklahoma (CMS CY2026 Landscape).

Costs in Oklahoma

Medicare Advantage Premiums

The average consolidated MA premium in Oklahoma is $13.62/month (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet) — many Oklahoma MA plans carry a zero monthly premium. The standard Medicare Part B premium is $202.90/month in 2026.

Medigap Premiums — Plan G and HDG

Oklahoma Medigap rates use attained-age pricing (premiums based on current age). Across the 38 Oklahoma Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $123 to $661/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 28 Oklahoma carriers; premiums range from approximately $115 to $588/month (TPP rate database, CY2026, non-tobacco, ages 65–85). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 annual deductible (2026 CMS high-deductible Medigap deductible).

Part D Costs and the LIS Benchmark

For 2026, Oklahoma (PDP Region 23 — single-state) has 11 standalone PDP plans from 4 carriers (CMS CY2026 Landscape). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 23 is $28.24/month (CMS CY2026 Regional Rates and Benchmarks).

Oklahoma-Specific Medicare Rules

No State Medigap Birthday Rule

Oklahoma does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in Oklahoma are subject to medical underwriting at the carrier's discretion.

Medicare Savings Programs (MSPs)

Oklahoma offers Medicare Savings Programs (MSPs) through the Oklahoma Health Care Authority (SoonerCare, the state Medicaid program):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through the Oklahoma Health Care Authority or contact Oklahoma OSHIP (1-800-763-2828) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

Oklahoma OSHIP

Oklahoma OSHIP (Senior Health Insurance Counseling Program) is administered by the Oklahoma Insurance Department. OSHIP is Oklahoma's federally designated State Health Insurance Assistance Program (SHIP) and provides free, unbiased Medicare counseling statewide through trained volunteers.

Phone: 1-800-763-2828
Website: ok.gov/oid/Consumers/Senior_Health_Insurance_Counseling

Enrolling in Medicare in Oklahoma

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B; first-time Medigap guaranteed-issue.
• Special Enrollment Periods (SEPs): Learn more →

Oklahoma OSHIP Counseling

Contact Oklahoma OSHIP at 1-800-763-2828 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions