State profile · OK · CMS + NAIC
Insurance in Oklahoma
How health insurers handle claims in Oklahoma, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 23.8%
- Avg claims denied
- #5
- denial rank of 31
- $1085
- Avg auto / yr
- +19%
- Auto, 5-yr
- 6
- Insurers w/ data
The verdict
Marketplace insurers in Oklahoma deny 23.8% of claims — above the 21% national average, the 5th-highest of 31 states, and drivers pay an average $1085 a year for auto cover, less than the $1191 national average.
- 23.8%
- avg claims denied
- #5
- of 31 states
- $1085
- avg auto / yr
- 40%
- highest (UnitedHealthcare o)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Oklahoma
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare of Okla
UnitedHealthcare of Oklahoma, Inc.: 40.3% denied (72,747 of 180,308)
40.3 % of claims denied
- Medica
Medica Insurance Company: 26.8% denied (108,741 of 405,031)
26.8 % of claims denied
- Blue Cross Blue Shield o
Blue Cross Blue Shield of Oklahoma: 24.1% denied (2,144,523 of 8,890,841)
24.1 % of claims denied
- Oscar
Oscar Insurance Company: 23.3% denied (73,742 of 316,490)
23.3 % of claims denied
- Celtic
Celtic Insurance Company: 19.6% denied (205,374 of 1,049,656)
19.6 % of claims denied
- CommunityCare HMO 11.2
CommunityCare HMO Inc.: 11.2% denied (19,515 of 173,486)
11.2 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Oklahoma. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Oklahoma, by denial rate
6 insurers reporting marketplace claims in Oklahoma
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare of Oklahoma, Inc. F | 180,308 | |
| 2 | Medica Insurance Company D | 405,031 | |
| 3 | Blue Cross Blue Shield of Oklahoma D | 8,890,841 | |
| 4 | Oscar Insurance Company D | 316,490 | |
| 5 | Celtic Insurance Company B | 1,049,656 | |
| 6 | CommunityCare HMO Inc. A | 173,486 |
Auto insurance in Oklahoma
Auto premiums in Oklahoma are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $914 average expenditure
$914 avg expenditure
- 2020
2020: $888 average expenditure
$888 avg expenditure
- 2021
2021: $894 average expenditure
$894 avg expenditure
- 2022
2022: $959 average expenditure
$959 avg expenditure
- 2023
2023: $1085 average expenditure
$1,085 avg expenditure
What this shows Oklahoma drivers' average auto cost rose 19% between 2019 and 2023.
What the data shows for Oklahoma
Oklahoma's marketplace insurers denied 23.8% of submitted claims in the CMS data, the 5th-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Oklahoma pay an average $1085 a year — less than the $1191 national average — split across $566 liability, $421 collision and $338 comprehensive premiums. That figure has moved up 19% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Oklahoma can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Oklahoma residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Oklahoma's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.