Head-to-head, from CMS Plan Year 2026 data.
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South Carolina is the cheaper of the two: a 40-year-old pays about $636/month for the median Silver plan, versus $731 — a difference of $95/month (15%) before subsidies.
| South Carolina | Oklahoma | |
|---|---|---|
| Median Silver @40 | $636 | $731 |
| Cheapest Silver @40 | $456 | $561 |
| Most expensive county @40 | $931 | $1,300 |
| Age 27 | $374 | $460 |
| Age 60 | $968 | $1,192 |
| Carriers | 6 | 7 |
| Counties | 46 | 77 |
| 1-carrier counties | 0 | 5 |
| Plan types | EPO, HMO, POS, PPO | HMO, 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: South Carolina or Oklahoma. 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.
A South Carolina-to-Oklahoma move triggers a 60-day special enrollment period, so the 7 carriers filing in Oklahoma 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.
Your plan will not come with you. Marketplace coverage is sold state by state, so the South Carolina policy ends and a Oklahoma application begins — new network, new premium, even if the name on the card stays the same.
Some continuity is possible: UnitedHealthcare file in both, out of 6 in South Carolina and 7 in Oklahoma. Same company is easier paperwork, but it is a different plan on a different network at a different price.
PPO availability is total on both sides, 46 counties in South Carolina and 77 in Oklahoma. If you expect to keep needing care in both, that plan type is the reason this pairing is more workable than most.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from South Carolina the Oklahoma care is the out-of-network half, and the reverse if you file from Oklahoma.
Picking between South Carolina and Oklahoma on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.