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 $765 — a difference of $34/month (5%) before subsidies.
| Oklahoma | Kansas | |
|---|---|---|
| Median Silver @40 | $731 | $765 |
| Cheapest Silver @40 | $561 | $565 |
| Most expensive county @40 | $1,300 | $979 |
| Age 27 | $460 | $463 |
| Age 60 | $1,192 | $1,200 |
| Carriers | 7 | 6 |
| Counties | 77 | 105 |
| 1-carrier counties | 5 | 14 |
| Plan types | HMO, PPO | EPO |
Network note: Kansas has no PPO plans in 2026 while Oklahoma does.
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 Kansas. 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 Oklahoma and Kansas counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Kansas’s 6 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.
There is no transfer to request. Oklahoma coverage stops, Kansas coverage starts, and the premium is rebuilt from your new county rather than carried over.
Of the 7 carriers in Oklahoma and 6 in Kansas, Medica, 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.
This is the asymmetry that bites. Oklahoma has PPO plans across all 77 counties; Kansas sells none in any of its 105. The PPO is the plan type most likely to pay outside its own network, so heading toward Kansas usually costs you the ability to see Oklahoma providers for anything short of an emergency.
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 Kansas. 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 Kansas you are in, your ZIP is what sets your premium.