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Understanding COBRA Coverage in Oklahoma

In Oklahoma, individuals who have lost their health insurance coverage due to job loss or other qualifying events have the option to continue their coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA). The state also offers a similar option known as “mini-COBRA” for employers with fewer than 20 employees who are exempt from federal COBRA requirements.

COBRA Eligibility

Oklahoma Allows

COBRA Alternative:
Save Up To 70%

Accident Only Coverage
Starting At
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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*Based on age and state availability

Oklahoma Health Insurance Coverage Continuation

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

Oklahoma’s Mini-COBRA Law

Oklahoma’s Mini-COBRA law provides a continuation of health insurance coverage for individuals who have lost their coverage due to job loss or other qualifying events. This law applies to employers with 19 or fewer employees, who are not subject to federal COBRA requirements. It allows former employees and their qualified dependents to continue their group health coverage for a limited period of time, typically up to 12 months, following a loss of coverage.

Oklahoma’s Mini-COBRA law was signed into law on June 5, 1991, and is outlined in the Oklahoma Insurance Code section 36. In addition to providing coverage options for small employers, the law also helps to ensure that individuals and families have access to affordable health insurance coverage, even during periods of transition.

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Continuing Coverage for Pre-Existing Conditions through COBRA in Oklahoma

In Oklahoma, individuals with pre-existing conditions can enroll in COBRA health insurance to continue their coverage after a qualifying event such as job loss. COBRA allows individuals to maintain their current health insurance plan, which may include their current network of doctors and medical facilities, and helps to ensure continuity of care for individuals with pre-existing conditions. It is important to note that COBRA can be more expensive than other health insurance options, but it provides the stability and predictability that is often crucial for individuals with pre-existing conditions.

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

The coverage is retroactive to the date you lost that insurance. After you make your premiums you will be able to reimburse approved medical expenses incurred before it was reactivated.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Oklahoma Mini-COBRA

The Oklahoma Mini-COBRA law follows the Federal COBRA law provisions accept that it is available to workers and families where they employer has 19 or fewer employees.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

The average Obamacare plan premium in Oklahoma is $503/month, according to kff.org in 2023.

View Affordable Care Act Plans

Short-Term Health Insurance Options in Oklahoma

In Oklahoma, Short-Term Health Insurance provides temporary coverage for individuals who are between health insurance plans or waiting for coverage to begin. It is designed to be a cost-effective alternative for individuals who need coverage for a specific period of time, but it is important to note that Short-Term Health Insurance policies may have limited benefits and may not cover pre-existing conditions.

Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth – Access to prescribing  doctors for common issues

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available in All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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