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Counselors Health Insurance in Oklahoma

Benchmark $686/mo · ranked 9 of 23 · median wage $58,610

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The benchmark premium for a 40-year-old in Oklahoma is $686 a month for 2027, ranking 9 of 23 states published here. BLS reports a median annual wage of $58,610 for Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Oklahoma.

Wage benchmark and the 2027 subsidy cliff

$58,610median annual wage, Counselors in Oklahoma
367%of the federal poverty level
$63,8402027 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.

This occupation sits above the cliff in 2 of the 23 states reported and below it in the other 21, so the answer changes with the state.

Median annual wage by state, Substance Abuse, Behavioral Disorder, and Mental Health Counselors400% FPL — $63,840Utah$65,920Nebraska$64,410Wisconsin$62,470Texas$60,630Illinois$59,570Michigan$59,530Nevada$59,470Colorado$59,190Oklahoma$58,610Virginia$58,410Maryland$57,820Kansas$57,760Ohio$56,990Florida$56,830North Carolina$56,470Georgia$55,320South Dakota$53,400South Carolina$50,720Arkansas$49,990Indiana$49,280Alabama$48,880Tennessee$48,170Mississippi$46,810

What this figure is. It is the median annual wage BLS reports for Substance Abuse, Behavioral Disorder, and Mental Health Counselors (SOC 21-1018) in Oklahoma. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed counselor. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.

Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.

Sources
  1. U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
  2. U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 91 FR 1797, 15 January 2026. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-09-27. The 2026 guidelines govern premium tax credit eligibility for plan year 2027 coverage. The 2027 guidelines apply to 2028 coverage.
  3. Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 23 states

Benchmark premium and median wage for this occupation, ranked by premium.

#StateBenchmark @40Median wagevs cliff
1Maryland$491$57,820below
2Indiana$537$49,280below
3Virginia$549$58,410below
4Nevada$565$59,470below
5Michigan$595$59,530below
6Ohio$603$56,990below
7Colorado$615$59,190below
8North Carolina$660$56,470below
9Oklahoma$686$58,610below
10South Carolina$702$50,720below
11South Dakota$704$53,400below
12Illinois$707$59,570below
13Alabama$712$48,880below
14Utah$716$65,920above
15Wisconsin$720$62,470below
16Georgia$733$55,320below
17Texas$737$60,630below
18Florida$738$56,830below
19Kansas$748$57,760below
20Arkansas$757$49,990below
21Nebraska$780$64,410above
22Tennessee$796$48,170below
23Mississippi$814$46,810below

Questions

How much does a counselor make in Oklahoma?
The BLS median wage for Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Oklahoma is $58,610 a year (May 2024). Starting pay — the 10th percentile — is about $33,860. The middle half earn $44,320 to $78,710, and the top 10% more than $94,980. BLS counts about 4,460 people doing this work for an employer in Oklahoma. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
Does being a counselor change what health insurance costs in Oklahoma?
No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $686 a month applies regardless of trade.
Do counselors qualify for a subsidy in Oklahoma in 2027?
Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Oklahoma is $58,610, which is below the 2027 cliff of $63,840 for a single-person household. Your own income and household size decide the answer.
What is the benchmark premium in Oklahoma for 2027?
$686 a month for a 40-year-old, ranking 9 of 23 states published here. That is full price before any premium tax credit.
Where do these numbers come from?
Premiums come from the CMS Plan Year 2027 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Oklahoma

This page compares states. For Oklahoma specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

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How Oklahoma compares with every other state →

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Open Enrollment 2027 for Counselors in Oklahoma

Oklahoma has 5 carriers selling 2027 plans over 77 counties, down from 7 in 2026. The list is set county by county, so start with the carriers in yours.

In the median Oklahoma county the benchmark Silver plan for a 40-year-old is $693 a month for 2027, up 17.1% on 2026, before any tax credit.

Choose by December 15 and your plan starts January 1. HealthCare.gov stays open to January 15, but a plan picked after December 15 starts February 1.

PPOs are sold in all 77 Oklahoma counties for 2027 — the plan type most likely to pay toward care out of network, which matters if your work takes you around.

Choose before December 15

The 2027 plans are posted and the deadline for a January 1 start is December 15. Ten minutes with your ZIP code settles which plan still fits.

Enter a ZIP and a licensed agent will tell you three things:

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See what you would really pay as one of Oklahoma’s Counselors

Two Counselors on opposite sides of Oklahoma can be quoted very different premiums for the same plan. Your ZIP is what decides it.

Takes about 30 seconds. No account, and you choose how you are reached.

“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Mark T., client