Ranked 8 of 15 states · median $731/mo · CMS PY2026
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A 40-year-old roofer in Oklahoma pays a median $731/month for a Silver plan before subsidies — 8th of 15 on cost. The cheapest plan in the state is $561 from Ambetter of Oklahoma in Canadian. On highest out-of-pocket maximum, Oklahoma ranks 10 of 15 for this occupation.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: One of the highest fall-fatality rates of any US trade; heat illness.
This is background for choosing a plan, not for pricing one. Since 2014 every Oklahoma exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a roofer or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a roofer in one Oklahoma county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Cotton | $585 | Ambetter of Oklahoma | $6,000 | 4 |
| Major | $585 | Ambetter of Oklahoma | $6,000 | 4 |
| Pushmataha | $585 | Ambetter of Oklahoma | $6,000 | 3 |
| Ottawa | $630 | CommunityCare | $6,000 | 4 |
| Grady | $697 | Mending Health | $2,300 | 4 |
| Kiowa | $747 | Mending Health | $2,300 | 3 |
The spread across just these six is $162/month — $1,945 a year for the same metal tier. Statewide the range runs $561 to $1,300. Coverage by County publishes all 77 Oklahoma counties individually.
| Oklahoma — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $5,900 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $538 — Medica |
| Gold deductible | $1,500 |
| Cheapest Silver @40 | $561 — Ambetter of Oklahoma |
| Cheapest Silver @50 | $784 |
For a roofer, the gap between $5,900 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 3,724 plan records across 77 Oklahoma counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Wisconsin ($687), Michigan ($708), South Dakota ($725). More expensive: Kansas ($765), Florida ($789), Utah ($805).
Side-by-side: Oklahoma vs Michigan · Oklahoma vs South Dakota · Oklahoma vs Kansas · Oklahoma vs Florida
Cross-state numbers are useful for understanding whether Oklahoma is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a roofer weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Self-employed Roofers in Oklahoma typically deduct: Tools, truck, fall-protection gear, liability insurance. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Oklahoma is $561 per month from Ambetter of Oklahoma, with a state median of $731. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Oklahoma exchange plans are guaranteed issue and community rated, so a roofer pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
Yes. Plan types filed for 2026: HMO, PPO.
Oklahoma ranks 8 of 15 states covered here, at a median $731 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 1 of the 21 states reported and below it in the other 20, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Roofers (SOC 47-2181) 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 roofer. 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 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Oklahoma specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Roofers in Oklahoma and a blog covering deductibles, subsidies and special enrollment.
Oklahoma has 7 carriers filing across 77 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a roofer buying your own cover, who stays matters more than the headline rate.
Nobody can tell you your 2027 Oklahoma premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Oklahoma included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
In your favour: PPOs are sold in all 77 Oklahoma counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as a roofer takes you around.
Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Oklahoma’s carriers under a deadline; today you can do it without one.
Give me a ZIP and I will tell you three things:
Two Roofers on opposite sides of Oklahoma can be quoted very different premiums for the same plan. Your ZIP is what decides it.