2027 marketplace changes in Oklahoma

Which insurance companies are leaving the Oklahoma marketplace in 2027

Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.

The short answer

Two insurance companies are leaving the Oklahoma marketplace for 2027.

Medica (confirmed). Medica confirmed to StateImpact Oklahoma that it will stop offering marketplace plans in Oklahoma in 2027. In 2026 it sold marketplace plans in 34 of Oklahoma's 77 counties. That's about 8,400 people, according to KGOU. source
Mending Health (confirmed). The Oklahoma Insurance Department says Mending Health, formerly Taro Health, is leaving the marketplace for 2027 and will not appear on HealthCare.gov; it says existing members will not have a lapse in coverage. In 2026 it sold marketplace plans in 36 of Oklahoma's 77 counties. source

Altogether, 47 of Oklahoma's 77 counties lose at least one marketplace insurer. In 2 of them, only one marketplace insurer is left.

Duncan, Elk City and the one-company counties

Two counties end up with a single marketplace insurer. Stephens County, around Duncan, had both departing companies on its 2026 list. Beckham County, around Elk City, had Medica. In each one, Blue Cross and Blue Shield of Oklahoma is the only company still selling there for 2027 on the 2026 footprints.

Think about a self-employed electrician in Duncan whose family is on a Medica plan this year. Come November, the marketplace has one company it can move that family to, and that only happens if the rules allow it. The real work is checking whether the doctors they use in Duncan and down in Lawton take that one company's plans, before December 15 and not after.

A note on PPOs, because Oklahoma is the unusual case. Medica's plans here were PPO plans, sold in 34 counties. Even so, no county loses its marketplace PPO, because Blue Cross and Blue Shield of Oklahoma sold one in all 77 counties in 2026. Out in the Panhandle, Cimarron and Texas counties already had one company before any of this, and nothing changes there.

These counts use 2026 plans. When the 2027 plan list publishes in late October, a company could add counties, and I'll check every one of these again.

What's left in your county

These are the 47 Oklahoma counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.

Down to one insurer: Beckham and Stephens counties are left with only Blue Cross and Blue Shield of Oklahoma on the marketplace.

On the marketplace, PPO plans were sold in 77 of Oklahoma's 77 counties in 2026, and all 77 of those counties still have one after the exits. Those PPO plans come from Ambetter (Centene), Blue Cross and Blue Shield of Oklahoma and Oscar.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Adair	Medica	2	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma	Yes
Alfalfa	Mending Health	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Atoka	Medica	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Beckham	Medica	1 (only one)	Blue Cross and Blue Shield of Oklahoma	Yes
Blaine	Medica	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; Oscar; UnitedHealthcare	Yes
Caddo	Mending Health	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Canadian	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Carter	Medica; Mending Health	2	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma	Yes
Cherokee	Medica	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare	Yes
Cleveland	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Comanche	Medica; Mending Health	2	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma	Yes
Cotton	Medica	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Creek	Medica; Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Delaware	Medica; Mending Health	3	Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Garfield	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Grady	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Greer	Medica	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Jackson	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Jefferson	Medica	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Johnston	Medica; Mending Health	2	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma	Yes
Kay	Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Kingfisher	Medica	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Kiowa	Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Lincoln	Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Logan	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Major	Mending Health	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
McClain	Medica; Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; Oscar; UnitedHealthcare	Yes
Murray	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Nowata	Medica	3	Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Okfuskee	Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; Oscar; UnitedHealthcare	Yes
Oklahoma	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Okmulgee	Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Osage	Medica; Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Ottawa	Medica	3	Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Pawnee	Mending Health	3	Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Payne	Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Pittsburg	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; CommunityCare	Yes
Pontotoc	Medica; Mending Health	2	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma	Yes
Pottawatomie	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Rogers	Medica; Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Seminole	Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; Oscar; UnitedHealthcare	Yes
Stephens	Medica; Mending Health	1 (only one)	Blue Cross and Blue Shield of Oklahoma	Yes
Tulsa	Medica; Mending Health	5	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; Oscar; UnitedHealthcare	Yes
Wagoner	Medica; Mending Health	4	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; CommunityCare; UnitedHealthcare	Yes
Washington	Medica; Mending Health	2	Blue Cross and Blue Shield of Oklahoma; CommunityCare	Yes
Woods	Mending Health	3	Ambetter (Centene); Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes
Woodward	Mending Health	2	Blue Cross and Blue Shield of Oklahoma; UnitedHealthcare	Yes

County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.

What happens to your plan

When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.

What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.

If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.

Open enrollment on HealthCare.gov starts November 1. By then you should get 2 letters: one from your current company and one from the marketplace. The marketplace letter tells you which plan, if any, you'll be moved into if you do nothing by December 15. HealthCare.gov is plain that in some cases you won't be automatically re-enrolled.

Pick by December 15 and your new plan starts January 1. Pick between December 16 and January 15 and it starts February 1, which leaves January uncovered if your old plan ended December 31.

Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.

What to do now

Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

If your household income qualifies you for the premium tax credit, the marketplace is usually where your most affordable coverage is, because that's the only place the credit can be used. So don't let the marketplace pick for you. Re-shop before December 15, look at every company still selling in your county, and check your doctors and prescriptions against the network of the plan you choose, not the one you had.

Next step: Send me your doctors, your prescriptions and your income estimate, and I'll help you pick the right Oklahoma marketplace plan before the deadline.

Talk it through with Sam → Call 813-999-0101

Scenario 2 of 2

You pay full price and you're healthy

If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.

Next step: Call me and I'll price a nationwide PPO for your household next to the Oklahoma marketplace plans in your county.

Talk it through with Sam → Call 813-999-0101

You can still get a nationwide PPO in Oklahoma

Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Oklahoma through me. On the marketplace, PPO plans were sold in 77 of Oklahoma's 77 counties in 2026, and all 77 of those counties still have one after the exits. Those PPO plans come from Ambetter (Centene), Blue Cross and Blue Shield of Oklahoma and Oscar.

Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Oklahoma is one of them.

Questions about insurers leaving Oklahoma

Straight answers, no sales pitch.

Which insurance companies are leaving the Oklahoma marketplace in 2027?

Medica (confirmed) and Mending Health (confirmed). Altogether, 47 of Oklahoma's 77 counties lose at least one marketplace insurer.

If my insurance company leaves, will I be moved to a new plan automatically?

Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.

What's the deadline to pick a new Oklahoma plan for 2027?

On HealthCare.gov, pick by December 15 for coverage that starts January 1. Open enrollment runs to January 15, but a plan picked after December 15 starts February 1.

Can I still get a PPO in Oklahoma?

Yes. You can still get a nationwide PPO in Oklahoma through me. On the marketplace, PPO plans were sold in 77 of Oklahoma's 77 counties in 2026, and all 77 of those counties still have one after the exits. Those PPO plans come from Ambetter (Centene), Blue Cross and Blue Shield of Oklahoma and Oscar.

Sources

Medica sold individual marketplace plans in 34 of 77 Oklahoma counties in 2026 (CMS 2026 plan data, counted by company) source
Medica confirmed to StateImpact Oklahoma that it will stop offering marketplace plans in Oklahoma in 2027. source
Medica in Oklahoma: about 8,400 people, according to KGOU source
Mending Health sold individual marketplace plans in 36 of 77 Oklahoma counties in 2026 (CMS 2026 plan data, counted by company) source
The Oklahoma Insurance Department says Mending Health, formerly Taro Health, is leaving the marketplace for 2027 and will not appear on HealthCare.gov; it says existing members will not have a lapse in coverage. source
After the confirmed and reported exits, 47 of 77 Oklahoma counties lose at least one marketplace insurer and 2 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Oklahoma marketplace PPO plans in 2026: 77 of 77 counties; after the confirmed exits: 77 (CMS 2026 plan data) source
HealthCare.gov says that by November 1 you should get 2 letters, one from your current insurance company and one from the Marketplace, and that in some cases you won't be automatically re-enrolled source
45 CFR 155.335(j)(3): when no plans from the same insurer are available, the Exchange "may enroll the enrollee in a QHP issued by a different issuer, to the extent permitted by applicable State law", as the state regulator directs or, if it does not, "in a similar QHP from a different issuer, as determined by the Exchange" source
HealthCare.gov open enrollment starts November 1; enroll by December 15 for coverage that starts January 1, or December 16 to January 15 for coverage that starts February 1 source
45 CFR 155.420: losing coverage is a triggering event, the loss date is the last day of the old plan's coverage, and the person has 60 days before and 60 days after it to pick a new plan source
HealthCare.gov lists "Your individual plan or your Marketplace plan is discontinued (no longer exists)" as a qualifying event for a special enrollment period source
45 CFR 147.106: an insurer that drops a product must give written notice at least 90 calendar days before coverage ends; one that leaves a state's individual market entirely must give at least 180 calendar days notice and cannot return to that market for 5 years source
Medica and Mending Health both sold 2026 Oklahoma marketplace plans in 23 of the state's 77 counties, so those 23 lose both companies, including Oklahoma, Tulsa, Cleveland, Canadian, Comanche, Garfield, Carter, Pontotoc, Washington, Pittsburg and Stephens counties (CMS 2026 plan data, counted by company) source
In 2026, Oklahoma and Tulsa counties each had 7 marketplace companies and keep 5 after both exits; Comanche, Carter, Garfield, Pontotoc, Washington and Pittsburg counties had 4 and keep 2 (CMS 2026 plan data, counted by company) source
Stephens County had 3 marketplace companies in 2026 and Beckham County had 2. Counting the 2026 plans of the companies that stay, Blue Cross and Blue Shield of Oklahoma is the only one in each for 2027 (CMS 2026 plan data, counted by company) source
Cimarron, Texas, Custer, Washita and Coal counties already had a single marketplace company in 2026, and neither exiting company sold there (CMS 2026 plan data, counted by company) source
Medica's 2026 Oklahoma marketplace plans were all PPO plans, sold in 34 counties; Blue Cross and Blue Shield of Oklahoma sold marketplace PPO plans in all 77 Oklahoma counties in 2026 (CMS 2026 plan data) source

Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.

Got a letter? Bring it to the call.

Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Oklahoma marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.

Book a free call → Call 813-999-0101 Send a message