Head-to-head, from CMS Plan Year 2026 data.
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
Wisconsin is the cheaper of the two: a 40-year-old pays about $687/month for the median Silver plan, versus $731 — a difference of $44/month (6%) before subsidies.
| Wisconsin | Oklahoma | |
|---|---|---|
| Median Silver @40 | $687 | $731 |
| Cheapest Silver @40 | $526 | $561 |
| Most expensive county @40 | $1,062 | $1,300 |
| Age 27 | $431 | $460 |
| Age 60 | $1,116 | $1,192 |
| Carriers | 12 | 7 |
| Counties | 72 | 77 |
| 1-carrier counties | 1 | 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: Wisconsin 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 Wisconsin-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.
There is no transfer to request. Wisconsin coverage stops, Oklahoma coverage starts, and the premium is rebuilt from your new county rather than carried over.
Of the 12 carriers in Wisconsin and 7 in Oklahoma, Medica 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.
Availability is uneven — 15 of 72 counties in Wisconsin, 77 of 77 in Oklahoma sell a PPO. That makes the county you land in, not the state you pick, the thing that decides whether out-of-network care is covered.
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 Wisconsin and another in Oklahoma. The cost lands on care received in whichever of the two you did not choose.
Neither Wisconsin nor Oklahoma has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.