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 $789 — a difference of $58/month (8%) before subsidies.
| Oklahoma | Florida | |
|---|---|---|
| Median Silver @40 | $731 | $789 |
| Cheapest Silver @40 | $561 | $554 |
| Most expensive county @40 | $1,300 | $2,203 |
| Age 27 | $460 | $454 |
| Age 60 | $1,192 | $1,177 |
| Carriers | 7 | 15 |
| Counties | 77 | 67 |
| 1-carrier counties | 5 | 1 |
| Plan types | HMO, PPO | EPO, HMO, 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 Florida. 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 Florida 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 15 carriers filing in Florida 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 Florida application begins — new network, new premium, even if the name on the card stays the same.
UnitedHealthcare writes on both sides of the line — Oklahoma fields 7 carriers in total, Florida fields 15. Keeping the same insurer smooths the admin and changes little else, since the network is rebuilt per state.
Both sides keep the option open: PPOs are sold in every county — 77 in Oklahoma, 67 in Florida. 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 Florida. The cost lands on care received in whichever of the two you did not choose.
Picking between Oklahoma and Florida on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.