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 $807 — a difference of $76/month (10%) before subsidies.
| Oklahoma | Texas | |
|---|---|---|
| Median Silver @40 | $731 | $807 |
| Cheapest Silver @40 | $561 | $540 |
| Most expensive county @40 | $1,300 | $1,409 |
| Age 27 | $460 | $443 |
| Age 60 | $1,192 | $1,146 |
| Carriers | 7 | 15 |
| Counties | 77 | 254 |
| 1-carrier counties | 5 | 7 |
| Plan types | HMO, PPO | EPO, HMO, POS |
Network note: Texas 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 Texas. 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.
An Oklahoma-to-Texas move triggers a 60-day special enrollment period, so the 15 carriers filing in Texas 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.
There is no transfer to request. Oklahoma coverage stops, Texas coverage starts, and the premium is rebuilt from your new county rather than carried over.
Some continuity is possible: Oscar Insurance Company and UnitedHealthcare file in both, out of 7 in Oklahoma and 15 in Texas. Same company is easier paperwork, but it is a different plan on a different network at a different price.
The plan types do not match up. PPOs cover all 77 counties in Oklahoma and zero of the 254 in Texas. Since the PPO is the one type that reliably pays out of network, moving into Texas narrows where you can be seen rather than just changing what you pay.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Oklahoma the Texas care is the out-of-network half, and the reverse if you file from Texas.
Picking between Oklahoma and Texas on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.