Head-to-head, from CMS Plan Year 2026 data.
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
Michigan is the cheaper of the two: a 40-year-old pays about $708/month for the median Silver plan, versus $731 — a difference of $23/month (3%) before subsidies.
| Michigan | Oklahoma | |
|---|---|---|
| Median Silver @40 | $708 | $731 |
| Cheapest Silver @40 | $385 | $561 |
| Most expensive county @40 | $1,048 | $1,300 |
| Age 27 | $316 | $460 |
| Age 60 | $818 | $1,192 |
| Carriers | 7 | 7 |
| Counties | 83 | 77 |
| 1-carrier counties | 0 | 5 |
| Plan types | EPO, HMO, 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: Michigan 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.
A Michigan-to-Oklahoma move triggers a 60-day special enrollment period, so the 7 carriers filing in Oklahoma are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Coverage does not port across the state line. Ending in Michigan and starting in Oklahoma is two separate transactions, and the plan you end up with in Oklahoma is priced on its own county, not on what you paid before.
Oscar Insurance Company and UnitedHealthcare write on both sides of the line — Michigan fields 7 carriers in total, Oklahoma fields 7. Keeping the same insurer smooths the admin and changes little else, since the network is rebuilt per state.
PPO availability is total on both sides, 83 counties in Michigan 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.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Michigan the Oklahoma care is the out-of-network half, and the reverse if you file from Oklahoma.
State averages hide enormous county-level spread. Whichever of Michigan or Oklahoma you are in, your ZIP is what sets your premium.