Head-to-head, from CMS Plan Year 2026 data.
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Alabama is the cheaper of the two: a 40-year-old pays about $680/month for the median Silver plan, versus $731 — a difference of $51/month (8%) before subsidies.
| Alabama | Oklahoma | |
|---|---|---|
| Median Silver @40 | $680 | $731 |
| Cheapest Silver @40 | $583 | $561 |
| Most expensive county @40 | $1,124 | $1,300 |
| Age 27 | $478 | $460 |
| Age 60 | $1,238 | $1,192 |
| Carriers | 4 | 7 |
| Counties | 67 | 77 |
| 1-carrier counties | 7 | 5 |
| Plan types | EPO, PPO | HMO, PPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Alabama or Oklahoma. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Relocating between Alabama and Oklahoma counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Oklahoma’s 7 filing carriers. Two conditions apply: at least one day of qualifying coverage during the 60 days beforehand, and the move cannot be purely for medical treatment or a holiday.
Nothing transfers. You close the Alabama plan and enroll fresh against Oklahoma’s 77 counties, which means a new network and a new price regardless of which insurer you land on.
Of the 4 carriers in Alabama and 7 in Oklahoma, Oscar Insurance Company and UnitedHealthcare appear in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
PPO availability is total on both sides, 67 counties in Alabama and 77 in Oklahoma. If you expect to keep needing care in both, that plan type is the reason this pairing is more workable than most.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Alabama and another in Oklahoma. The cost lands on care received in whichever of the two you did not choose.
Picking between Alabama and Oklahoma on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.