State health insurance coverage; gender transition procedures; effective date.

HB 3798 prohibits Oklahoma health care providers from performing gender transition procedures on minors under 18 and bans state health insurance plans (including Medicaid/SoonerCare) from covering these procedures for anyone starting November 1, 2026. The bill defines "gender transition procedures" to include surgeries and certain medications like puberty blockers or cross-sex hormones, but excludes treatments for precocious puberty, disorders of sex development (DSD), and emergency care. This law directly affects minors seeking gender-affirming care, health care providers, and state insurance programs. It becomes effective November 1, 2026, with specific exceptions for existing treatments and medical emergencies.