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Read. Follow. Verify.Oklahoma regulates out-of-pocket health care service payments, bans balance billing, and mandates deductible crediting
Last action · April 22, 2025: Placed on General OrderSponsors: Mark Lepak and 2 others
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What This Bill Would Do
Enrollees in s are authorized to pay out of pocket for covered health care services, submit documentation when they negotiate a price lower than the , and have those payments counted toward their deductibles and out-of-pocket maximums. Health care providers must accept this payment as payment in full and are prohibited from balance billing the enrollee or health benefit plan. This act becomes effective November 1, 2025.
Changes how health insurance plans calculate patient deductibles and out-of-pocket expenses when enrollees negotiate lower prices for care out of pocket, impacting financial cost-sharing timelines for patients and billing practices for medical providers starting November 1, 2025.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Enrollees
Enrollees are authorized to submit documentation for lower-cost out-of-pocket care to ensure those payments apply toward their deductibles and out-of-pocket maximums.
Health care providers
Health care providers must accept negotiated out-of-pocket payments as payment in full and are prohibited from balance billing enrollees or health benefit plans.
Carriers
Carriers must count validly documented, lower-cost out-of-pocket payments made by enrollees toward their applicable deductibles and out-of-pocket expenses.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What happens if an enrollee negotiates a lower price for a health care service and pays out of pocket?
Can a health care provider bill an enrollee for the remaining balance after receiving a negotiated out-of-pocket payment?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently passed both. The next step in the legislative lifecycle is Law.
Procedural history
17 actions- Apr 22, 2025SenatePlaced on General Order
- Apr 17, 2025SenateFloorReported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
- Apr 9, 2025SenateCoauthored by Representative Wolfley
- Apr 1, 2025SenateCommitteeSecond Reading referred to Business and Insurance
- Mar 27, 2025SenateIntroducedFirst Reading
- Mar 27, 2025HouseEngrossed, signed, to Senate
Show 11 earlier actions
- Mar 26, 2025HouseCommitteeReferred for engrossment
- Mar 26, 2025HouseFloorThird Reading, Measure passed: Ayes: 92 Nays: 1
- Mar 26, 2025HouseGeneral Order
- Mar 10, 2025HouseCoauthored by Representative(s) Lepak, Sneed
- Mar 10, 2025HouseFloorCR; Do Pass, amended by committee substitute Commerce and Economic Development Oversight Committee
- Feb 25, 2025HouseAuthored by Senator Frix (principal Senate author)
- Feb 25, 2025HouseFloorPolicy recommendation to the Commerce and Economic Development Oversight committee; Do Pass, amended by committee substitute Insurance
- Feb 4, 2025HouseCommitteeReferred to Insurance
- Feb 4, 2025HouseCommitteeSecond Reading referred to Commerce and Economic Development Oversight
- Feb 3, 2025HouseAuthored by Representative Schreiber
- Feb 3, 2025HouseIntroducedFirst Reading
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.oklegislature.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy30Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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