Oklahoma Health Insurance High Risk Pool (OHRP)

→ Click here to view OHRP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Oklahoma Health Insurance High Risk Pool (OHRP). Note:

• OHRP prohibits any pre-existing condition exclusion periods or elimination riders
• OHRP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Oklahoma, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does OHRP coverage cost?

OHRP charges different rates based on the plan and deductible chosen, age, gender, and family size. Oklahoma caps premiums at 150% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view OHRP rates.

OHRP Coverage Highlights

• $500,000 lifetime maximum
• PPO plan with deductibles of: $500, $1000, $1500, $2000, $5000 or $7500
• Maximum individual annual out of pocket:
  • $2000 (In Network)
  • $4000 (Out of Network)
• To learn more, view the OHRP Summary

How can I be insured with OHRP?

For enrollment information, contact the Oklahoma High Risk Pool at (800) 255-6065 ext.4767.

Special insurance for children: SoonerCare

A family of four making up to $38,208 a year may be eligible for SoonerCare.

• Do you qualify? Visit Eligibility
• To discover what's covered view Benefits Information
• Questions? Call (800) 522-0114