Head-to-head, from CMS Plan Year 2026 data.
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Oklahoma is the cheaper of the two: a 40-year-old pays about $731/month for the median Silver plan, versus $828 — a difference of $97/month (13%) before subsidies.
| Oklahoma | Arkansas | |
|---|---|---|
| Median Silver @40 | $731 | $828 |
| Cheapest Silver @40 | $561 | $753 |
| Most expensive county @40 | $1,300 | $879 |
| Age 27 | $460 | $617 |
| Age 60 | $1,192 | $1,599 |
| Carriers | 7 | 4 |
| Counties | 77 | 75 |
| 1-carrier counties | 5 | 0 |
| Plan types | HMO, PPO | POS, 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: Oklahoma or Arkansas. 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.
Moving permanently from Oklahoma to Arkansas is a qualifying life event, so you get a 60-day special enrollment window counted from the move date — time enough to work through the 4 carriers filing in Arkansas without waiting for open enrollment. Two conditions trip people up: you generally need to have held qualifying coverage for at least one day in the 60 days before the move, and relocating purely for treatment or a holiday will not qualify.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Oklahoma policy ends and a Arkansas application begins — new network, new premium, even if the name on the card stays the same.
No insurer spans both. Oklahoma has 7 carriers filing, Arkansas has a separate 4, so a move means a new company as well as a new plan.
Both sides keep the option open: PPOs are sold in every county — 77 in Oklahoma, 75 in Arkansas. That is the type most likely to cover care outside its network, and it is the one to prioritise if you will genuinely be in both rather than simply leaving.
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 Oklahoma and another in Arkansas. The cost lands on care received in whichever of the two you did not choose.
State averages hide enormous county-level spread. Whichever of Oklahoma or Arkansas you are in, your ZIP is what sets your premium.