Health insurance; terms; patient protection; health plan responsibilities; requirements for payment; clinicians and hospitals; enforcement; effective date.

HB 4460 requires health insurance plans in Oklahoma to directly collect patient cost-sharing amounts (like copays and deductibles) from enrollees instead of providers, and prohibits canceling coverage for nonpayment of these costs. It mandates that health plans pay full in-network or out-of-network allowable amounts to clinicians and hospitals in a timely manner, regardless of whether the patient has paid their share. The bill also prohibits insurers from requiring providers to collect patient cost-sharing and establishes penalties, including fines, for violations. This law affects all commercial health insurance plans, patients, and healthcare providers in Oklahoma, effective November 1, 2026.