Healthcare (Insurance)

in committee · Oklahoma · Senate Feb 24, 2026

SB 1953: Health insurance; creating the Employer Health Plan Transparency Act; prohibiting certain health plan from entering certain contracts; prohibiting certain contract provisions; requiring issuer to adhere to certain privacy regulations; establishing civil penalties. Effective date.

SB 1953, the Employer Health Plan Transparency Act, requires group health plans and public employee health plans in Oklahoma to ensure contracts with health insurers and service providers include full access to medical records, billing details, and payment documentation. It prohibits contracts from limiting information sharing about patient care or costs, mandates HIPAA-compliant disclosures, and requires itemized cost breakdowns for covered services. This directly affects employers offering health benefits, insurers, and healthcare providers by standardizing data access and transparency in coverage arrangements. The law aims to improve clarity for plan participants regarding medical expenses and service coverage under Oklahoma's health insurance framework.

Topics ✓ HealthcareSupports HealthcareRequires transparency in health insurance contracts, mandates itemized costs and full access to medical records, enhancing patient access and rights.95% confidence

Sub-Topics Insurance

Track

in committee · Oklahoma · House Feb 3, 2026

HB 3286: Health insurance; pregnancy; postpartum; newborn care; breast pumps; breastfeeding; SoonerCare; sales and use tax exemption; effective date.

HB 3286 requires all health insurance plans in Oklahoma to cover pregnancy, postpartum, and newborn care services - including support from perinatal doulas, nurse-midwives, and lactation consultants - without cost-sharing like deductibles or copays. It mandates coverage for breast pumps, supplies, feeding aids, and home visits for postpartum support for at least one year after birth. The bill also exempts breast pumps, supplies, and feeding aids from state sales and use taxes. These provisions apply to both private insurance and Oklahoma’s Medicaid program (SoonerCare), directly affecting pregnant individuals, new parents, and healthcare providers.

Topics ✓ Budget & TaxesSupports Budget & TaxesExempts breast pumps and supplies from state sales tax, providing tax relief for families purchasing essential maternal health items.95% confidence ✓ HealthcareSupports HealthcareMandates comprehensive coverage for pregnancy/postpartum care and breast pumps without cost-sharing, expanding patient access and reducing out-of-pocket costs.95% confidence

Sub-Topics Sales Tax Tax Incentives Healthcare Workforce Insurance Women's Health

Track

died · Oklahoma · House Feb 11, 2026

HB 3675: Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.

HB 3675 requires health insurance companies to have a qualified human professional review any adverse decision (like denying coverage) made by an algorithm, artificial intelligence system, or automated decision system before it becomes final. The bill mandates that patients receive clear notices explaining the reasons for denied coverage, the clinical basis for the decision, and how to appeal. It allows AI systems to be used for administrative tasks or fraud detection but prohibits their use in final coverage decisions without human oversight. The law takes effect on November 1, 2026, directly affecting patients, insurers, and utilization review agents in Oklahoma.

Topics ✓ HealthcareSupports HealthcareRequires human review of AI-denied insurance claims, mandates clear patient notices, and protects patient rights from automated coverage denials.95% confidence ✓ TechnologySupports TechnologyMandates human review of AI-driven insurance denials, requires clear patient notices about clinical basis, and restricts AI use in adverse decisions to protect consumer rights and transparency.95% confidence

Sub-Topics Insurance Artificial Intelligence

Track

signed · Oklahoma · House May 15, 2025

HB 1516: Insurance; minors; contract for insurance; parental or guardian consent; effective date.

HB 1516 allows minors aged 15-16 to contract for life, accident, or health insurance with parental or guardian consent, and minors aged 16+ to contract for other types of insurance with consent. It specifies that these minors are legally bound by their insurance contracts (including settlements) but cannot be held responsible for unpaid premiums on unperformed agreements. The law, effective November 1, 2025, amends Oklahoma's insurance code to clarify minor contracting rights and responsibilities. This directly affects minors seeking insurance coverage and their parents/guardians who must provide written consent.

Topics ✓ HealthcareSupports HealthcareEnables minors (15-16) to obtain health insurance with consent, facilitating access to coverage under clarified contracting rights.85% confidence

Sub-Topics Insurance

signed · Oklahoma · Senate May 28, 2025

SB 1067: Health insurance; ambulance service provider; providing for establishment of certain database; modifying reimbursement rates and criteria for certain ambulance services. Effective date.

SB 1067 creates a new database for ambulance service providers and changes how health insurers pay for ambulance services in Oklahoma. It requires ambulance providers to report specific data to this database and modifies the rates and criteria insurers use to reimburse ambulance services. This bill directly affects ambulance companies and health insurance providers by establishing new reporting requirements and payment rules. The law became effective without the Governor's signature on May 28, 2025.

Topics ✓ HealthcareSupports HealthcareModifies ambulance reimbursement rates and creates data database to improve payment accuracy and transparency for healthcare services, strengthening provider reimbursement systems.85% confidence

Sub-Topics Insurance

signed · Oklahoma · House May 27, 2025

HB 2013: Sudden unexpected death in epilepsy (SUDEP); Dylan's Law; Service Oklahoma; driver license; unique symbol; voluntary; State Commissioner of Health; power and duty; Division of Health Care Information; autopsy; findings; records; determination; effective date.

HB 2013, "Dylan's Law," requires health insurance companies to cover epilepsy treatments equally to other conditions, prohibits dropping coverage solely due to an epilepsy diagnosis, and mandates coverage for medically necessary neurostimulation devices. It also allows individuals with epilepsy (diagnosed by a licensed doctor) to voluntarily add a unique symbol to their Oklahoma driver's license or ID card by June 1, 2026, to help first responders identify their condition during emergencies. The symbol cannot be used for any other purpose and may be removed at any time. These provisions became law on May 25, 2025, without a gubernatorial signature. The bill directly affects people with epilepsy and insurers operating under the Affordable Care Act in Oklahoma.

Topics ✓ HealthcareSupports HealthcareMandates equal insurance coverage for epilepsy treatments, prohibits coverage denial based on diagnosis, and requires coverage for neurostimulation devices - directly expanding patient access and protecting rights.95% confidence

Sub-Topics Insurance

signed · Oklahoma · House May 8, 2025

HB 2746: Revenue and Taxation; Remote Quality Jobs Incentive Act; eligibility requirements for basic health benefits plans; effective date.

HB 2746 amends Oklahoma's Remote Quality Jobs Incentive Act to require proxy establishments (entities that attract remote workers to the state) to verify that included remote workers have basic health insurance meeting specific coverage standards. The insurance must cover hospital care, physician services, mental health, substance abuse treatment, prescription drugs, and prenatal care, with employees paying no more than 50% of the premium. The bill also clarifies key terms like "remote worker" (an employee working outside Oklahoma who hasn't lived there in the past year) and "new direct job" (a job created by an establishment other than the proxy that didn't exist before application approval). The law takes effect November 1, 2025, and became effective without the Governor's signature on May 8, 2025.

Topics ✓ HealthcareSupports HealthcareMandates comprehensive health insurance coverage including mental health and substance abuse, with affordability requirements (≤50% employee premium share)90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentMandates comprehensive health insurance coverage with employee cost cap, strengthening worker benefits under employment standards.95% confidence

Sub-Topics Hospitals Insurance Mental Health

signed · Oklahoma · House May 15, 2025

HB 1512: Insurance; Insurance Commissioner authority related to the Patient Protection and Affordable Care Act; creating the State-based Exchange Revolving Fund; purpose; effective date; emergency.

HB 1512 grants Oklahoma's Insurance Commissioner authority to operate a state-based health insurance exchange under the Affordable Care Act, including applying for federal waivers. It creates a dedicated "State-based Exchange Revolving Fund" to support the exchange's operations and requires the Commissioner to promulgate necessary rules. The bill directly affects Oklahomans purchasing health insurance through the state marketplace by enabling a state-run exchange option. It becomes effective July 1, 2025, and was enacted without the Governor's signature on May 15, 2025.

Topics ✓ HealthcareSupports HealthcareCreates state-based exchange fund under ACA, expanding health insurance marketplace access for Oklahomans per bill's purpose95% confidence

Sub-Topics Insurance

died · Oklahoma · House Feb 17, 2025

HB 2196: Education; Larry Dickerson Education Flexible Benefits Allowance Act; school employee dependents; effective date; emergency.

HB 2196 establishes a flexible benefit allowance for Oklahoma school district employees to cover health insurance and other benefits for themselves and their dependents. The state must appropriate annual funds to cover the allowance, calculated based on the number of eligible employees (including certified personnel and support staff like bus drivers or janitors) and their dependents. School districts must offer a flexible benefits plan including health coverage, allowing employees to use the allowance for health insurance or receive unused portions as taxable pay. The bill also updates definitions of "dependent" and requires the State Board of Education to report on self-insured health plans used by school districts.

Topics ✓ EducationSupports EducationEstablishes state-funded flexible benefits for school employees (including teachers/support staff) to cover health insurance, supporting educator welfare and retention.90% confidence ✓ HealthcareSupports HealthcareBill mandates state funding for school employee health insurance coverage under flexible benefits plan, expanding access to healthcare for employees and dependents.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentBill establishes state-funded flexible benefits allowance for school employees' health insurance and dependents, expanding worker benefits through mandatory state appropriation.95% confidence

Sub-Topics Student Health Insurance

Track

signed · Oklahoma · House May 27, 2025

HB 2011: Tax credits; Fighting Chance for Firefighters Act; income tax credit for certain unreimbursed medical costs incurred by firefighters; limitation; effective date.

HB 2011, titled "Fighting Chance for Firefighters Act," actually expands health insurance benefits for firefighters rather than providing tax credits, as the title incorrectly states. The bill amends Oklahoma Statutes Section 1315 to explicitly include municipal fire departments (organized under 11 O.S. § 29-101) and county fire departments (under 19 O.S. § 351) in the Oklahoma Employees Insurance and Benefits Plans. This allows firefighters employed by these departments to access the same health insurance coverage available to state employees, including continuation of coverage after retirement or termination with eight years of service. The law, enacted without the Governor’s signature on May 27, 2025, directly affects firefighters in local fire departments by improving their access to health insurance benefits.

Topics ✓ Budget & TaxesSupports Budget & TaxesExpands state-funded health insurance benefits for firefighters, increasing public service spending under existing budget frameworks without tax changes.85% confidence ✓ HealthcareSupports HealthcareBill explicitly expands health insurance benefits for firefighters by including them in state employee health plans, advancing coverage access for public safety workers.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentExpands health insurance benefits for firefighters by including municipal/county departments in state employee benefits plan, strengthening workplace health protections.95% confidence

Sub-Topics Income Tax Tax Credits Insurance