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 $805 — a difference of $74/month (10%) before subsidies.
| Oklahoma | Utah | |
|---|---|---|
| Median Silver @40 | $731 | $805 |
| Cheapest Silver @40 | $561 | $559 |
| Most expensive county @40 | $1,300 | $1,125 |
| Age 27 | $460 | $526 |
| Age 60 | $1,192 | $1,134 |
| Carriers | 7 | 6 |
| Counties | 77 | 29 |
| 1-carrier counties | 5 | 1 |
| Plan types | HMO, PPO | EPO, HMO |
Network note: Utah 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 Utah. 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-Utah move triggers a 60-day special enrollment period, so the 6 carriers filing in Utah 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 Oklahoma and starting in Utah is two separate transactions, and the plan you end up with in Utah is priced on its own county, not on what you paid before.
The carrier lists do not intersect — 7 in Oklahoma, 6 in Utah, none shared. Expect to start a relationship with a new insurer, likely one of BridgeSpan Health Company and Imperial Health Plan of the Southwest, Inc..
The plan types do not match up. PPOs cover all 77 counties in Oklahoma and zero of the 29 in Utah. Since the PPO is the one type that reliably pays out of network, moving into Utah narrows where you can be seen rather than just changing what you pay.
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 Utah. The cost lands on care received in whichever of the two you did not choose.
Neither Oklahoma nor Utah has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.