Oklahoma insurance laws
What Oklahoma has enacted on insurance, what each law requires, and what the bills still moving would do. Oklahoma is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 152bills in scope
- Past committee
- 96past committee
- Most recent action
- 14 May 2026most recent action
Insurance laws enacted in Oklahoma
42 insurance laws enacted in the Oklahoma Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HJR 1023Workers' compensation; approving certain fee schedule; effective date; emergency.Enacted 13 May 2026
What it does: Approves the proposed Fee Schedule for maximum rates paid to medical providers in workers' compensation as submitted by the Workers' Compensation Commission, effective July 1, 2026, and directs distribution of the resolution to the Commission, Governor, and Secretary of State.
Workers' compensation, surety and specialty lines
- SB 1303Workers' compensation; transferring property and records. Effective date. Emergency.Took effect 1 July 2026
What it requires: The Director of the Office of Management and Enterprise Services must coordinate the transfer of funds, allotments, purchase orders, and outstanding financial obligations or encumbrances from the Workers' Compensation Court and Multiple Injury Trust Fund to the Oklahoma Workers' Compensation Commission before July 1, 2026. Transferred personnel retain accrued leave, sick time, retirement and longevity benefits with no salary reductions or reduction-in-force.
Workers' compensation, surety and specialty lines
- SB 1920Motor vehicle insurance; increasing certain percent damage required for title return. Effective date.Took effect 1 November 2026
What it requires: Insurance companies, junk dealers, and persons dismantling vehicles must return certificates of title and license plates to Service Oklahoma or a licensed operator within thirty days. Holders of certificates of title must return titles to Service Oklahoma within thirty days when repair costs exceed seventy percent of fair market value. Service Oklahoma must issue salvage titles for damaged vehicles meeting this threshold.
Auto insurance
- SB 1944Administrative Workers' Compensation Act; modifying definition. Effective date.Took effect 1 November 2026
What it does: Amends the definition of 'employee' in the Administrative Workers' Compensation Act to increase the gross annual payroll threshold for agricultural workers from $100,000 to $250,000. Effective November 1, 2026.
Workers' compensation, surety and specialty lines
- HB 3781Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.Takes effect 1 July 2027
What it requires: Insurers must file rates at least sixty days before the effective date in competitive markets. Rates may not be excessive, inadequate, or unfairly discriminatory. No rate classification may be based on race, creed, national origin, or religion. Advisory organizations must file prospective loss costs and supplementary rating information at least sixty days prior to effective date.
Licensing, solvency and market conduct
- SB 1916Insurance Department; creating certain division within the Insurance Department; establishing powers for certain conservator; allowing contacts. Effective date.Took effect 1 November 2026
What it requires: The Insurance Commissioner must establish a division within the Insurance Department to handle supervisions, conservatorships, and receiverships by January 1, 2028. The Commissioner may employ or contract with supervisors, conservators, legal counsel, actuaries, accountants, appraisers, and other personnel as necessary. Records held by the Commissioner, supervisors, and conservators shall not be public records or subject to subpoena.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 3796Insurance; enforcement and power of the Insurance Commissioner; bulletins; Strengthen Oklahoma Homes Program; expanding length of program; acquisitions; Long-Term Care Insurance Act; prohibiting persons from selling without proper license; effective date.Took effect 1 November 2026
What it requires: Persons may not sell, solicit, or negotiate long-term care insurance unless licensed as an insurance producer for accident and health or sickness or life. Individuals filing acquisition of control statements with the Commissioner must include personal financial statements reviewed by an independent public accountant. Bulletins published by previous Insurance Commissioners terminate ninety calendar days after the next Commissioner's inauguration unless continued by order.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 1443Health benefit plans; requiring certain health benefit plans to consider certain factors when determining payments for services. Effective date.Took effect 1 November 2026
What it does: Amends SB 1443 to exclude from the definition of health benefit plan any plan offered by a contracted entity covering Medicaid members under the Ensuring Access to Medicaid Act.
Health coverage and plan regulation
- HB 4430Medical malpractice; Physician Assistant Act requirements; Advanced Practice Registered Nurse malpractice insurance requirements; compliance; effective date.Took effect 1 November 2026
What it requires: Physician assistants not practicing under a practice agreement must carry malpractice insurance or demonstrate financial responsibility of at least one million dollars per occurrence and three million dollars aggregate annually. Advanced Practice Registered Nurses must carry the same malpractice insurance or financial responsibility. Physician assistants with 6,240 or more postgraduate clinical practice hours may practice without physician supervision.
Workers' compensation, surety and specialty lines
- SB 1447Oklahoma Employees Insurance Plan; prohibiting certain contracts from being awarded; requiring certain scoring; requiring certain certifications. Effective date.Took effect 1 November 2026
What it requires: Pharmacy benefits managers contracting with the Oklahoma Employees Insurance Plan must declare state plan ownership of operational data, provide audit rights, maintain SOC Type 2 certification, pass through all rebates to the state plan, disclose affiliates and subcontractors, and prohibit formulary changes without written authorization, gag clauses, steering incentives to affiliated pharmacies, and less favorable network terms for non-affiliated pharmacies.
What it requires: Dental providers must publish standard charges for dental services in machine-readable format and maintain a consumer-friendly list of at least twenty-five shoppable dental services with pricing. Upon request before non-emergency services, providers must furnish written estimates including expected services, CDT codes, and total estimated cost.
Licensing, solvency and market conduct
- HB 1084Insurance; assignment of benefits; prohibited activity; effective date.Took effect 1 November 2025
What it requires: A person shall not solicit or accept an assignment of post-loss insurance benefits for property damage under auto collision or comprehensive, residential property, or commercial property insurance policies. Assignment agreements violating this prohibition are null and void and unenforceable. Exceptions apply to assignments to federally insured financial institutions, mortgagees, subsequent property purchasers, and liability coverage.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 1808Health insurance; creating the Ensuring Transparency in Prescription Drugs Prior Authorization Act; determination; consultation; prior authorization; effective date.Took effect 1 November 2025
What it requires: Health insurers and pharmacy benefit managers must not require failure on the same medication more than once for step-therapy protocols and must grant exceptions under specified conditions. They must respond to urgent prior authorization requests within 24 hours and nonurgent requests within 2 business days. They must cover at least one readily available asthma controller medication per class without prior authorization.
Health coverage and plan regulation
- HB 2048Prescriptions; 340B Nondiscrimination Act; definitions; discriminatory actions; reimbursement; manufacturer; distributor; enforcement; Attorney General; Insurance Commissioner; violations; federal preemption; effective date.Enacted 29 May 2025
What it requires: Health insurance issuers, pharmacy benefits managers, and other third-party payors must not discriminate against 340B entities in reimbursement rates, terms, conditions, or network participation based on 340B drug pricing status. Manufacturers and distributors must not deny or restrict acquisition or delivery of 340B drugs to contracted pharmacies.
Health coverage and plan regulation
- SB 109Health insurance; requiring coverage of certain genetic testing and cancer imaging; providing exclusions. Effective date.Took effect 1 November 2025
What it requires: Health benefit plans offered, issued, or renewed in Oklahoma on or after November 1, 2025 must provide coverage for clinical genetic testing for inherited gene mutations and evidence-based cancer imaging for individuals with personal or family history of cancer when ordered by a health care provider and supported by specified clinical practice guidelines. Coverage must have no annual deductibles, copayments, or coinsurance limits.
Health coverage and plan regulation
- SB 176Health benefit plans; requiring coverage for certain prescription. Effective date.Took effect 1 November 2025
What it does: This floor amendment to SB 176 changes prescription supply coverage periods from twelve-month to six-month intervals at three specified locations in the bill's text.
Health coverage and plan regulation
- SB 773Pharmacy benefit managers; modifying definitions; prohibiting certain circumstances; requiring nonpayment under providing venue for certain court proceeding; allowing Attorney General to obtain certain information. Effective date.Enacted 29 May 2025
What it requires: Pharmacy benefits managers must not conduct spread pricing, charge participation fees, retroactively deny claims except for fraud or audit errors, reimburse PBM-owned pharmacies more than independent pharmacies, or restrict pharmacies from disclosing price differentials to patients. PBMs must maintain three years of network development documentation and report quarterly to the Attorney General on rebates and payments.
Health coverage and plan regulation
- HB 1160Insurance; Oklahoma Property and Casualty Insurance Guaranty Association; powers and duties; joining organizations; records; effective date.Took effect 1 November 2025
What it requires: No person, including insurers, insurance producers, or their affiliates, shall publish or disseminate any advertisement using the existence of the Oklahoma Property and Casualty Insurance Guaranty Association for sales, solicitation, or inducement to purchase insurance covered by the guaranty association law. The Association must establish procedures for requesting financial information from insureds on a confidential basis to determine high net worth status.
Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct
- SB 1067Health insurance; ambulance service provider; providing for establishment of certain database; modifying reimbursement rates and criteria for certain ambulance services. Effective date.Enacted 28 May 2025
Health coverage and plan regulation
- SB 789Pharmacy benefit managers; permitting use of certain records without limitations of date or source for certain purposes; establishing certain reimbursement rates for certain drugs. Effective date.Took effect 1 November 2025
What it requires: Pharmacy benefits managers must reimburse pharmacies at 106% of National Average Drug Acquisition Cost plus a $15.00 professional fee (or 110% of wholesale acquisition cost plus $15.00 for generic drugs without NADAC pricing, or 100% for brand-name drugs). PBMs must prohibit effective rate contracting. Entities conducting pharmacy audits must follow specific procedures including fourteen days' notice, limiting audits to fifty prescriptions annually, and providing preliminary findings within forty-five days.
Health coverage and plan regulation
- HB 1257Roofing Contractor Registration Act; registration requirements; complaints; forwarding complaints to the Insurance Department and Office of the Attorney General; refer to district attorney; effective date.Took effect 1 November 2025
What it requires: A residential or commercial roofing contractor shall not advertise or promise to pay all or part of any applicable insurance deductible or offer to compensate an insured for providing any service as an inducement to the sale or provision of goods or services. Every roofing contractor shall provide written notification of these requirements with its initial estimate.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 1810Medicaid; modifying, adding, and removing certain prior authorization requirements for contracted entities; effective date; emergency.Enacted 27 May 2025
What it requires: Contracted entities must make prior authorization determinations within specified timeframes: 24 hours for hospitalized members and urgent services, 72 hours for non-hospitalized members, and 24 hours for covered prescription drugs. Contracted entities must implement Prior Authorization APIs by January 1, 2027, provide peer-to-peer review opportunities, and ensure licensed physicians or mental health professionals make adverse determinations.
Health coverage and plan regulation
- HB 2108State government; Oklahoma Employee Insurance and Benefits Act; statutory references; effective date.Took effect 1 November 2025
What it requires: The Oklahoma Health Care Authority must administer health, dental, and life insurance plans for state and education employees. The Authority must establish rates, benefits, and procedures; contract with providers and claims administrators; and manage reserve funds through investment by the Oklahoma Employees Insurance and Benefits Board.
Health coverage and plan regulation
- SB 642Worker's compensation; expanding rights and remedies granted to certain persons; authorizing agreement between contractors to provide certain insurance coverage. Emergency.Enacted 27 May 2025
What it requires: A general contractor and subcontractor may enter into a written agreement under which the general contractor provides workers' compensation insurance coverage to the subcontractor and employees. If a general contractor provides coverage, actual premiums based on payroll may be deducted from amounts owed to the subcontractor. The act makes a general contractor the employer of subcontractors for Administrative Workers' Compensation Act purposes only.
Workers' compensation, surety and specialty lines
- SB 993Pharmacy benefit managers; establishing requirements and limits for certain audit reports and findings. Emergency.Enacted 22 May 2025
What it requires: Pharmacy benefits managers must not use extrapolation audits to calculate recoupments. PBMs must toll the ability to initiate, continue, or conclude audits of pharmacies for the duration of a declared disaster and thirty additional calendar days afterward, except for audits involving suspected fraud with documented evidence or audits required by federal or state law unrelated to the PBM-pharmacy contract.
Health coverage and plan regulation
- HB 1497Insurance; registration of insurers; report; Liquidity Stress Test; confidential documents; information; trade secrets; effective date.Took effect 1 November 2025
What it does: This committee amendment removes references to affiliates and subsidiaries from multiple sections of HB1497 regarding insurance registration and liquidity stress testing requirements.
Licensing, solvency and market conduct
- HB 2052Health insurance; exemption of certain domestic health maintenance organizations from certain provisions of the Health Maintenance Organizations Act; effective date.Took effect 1 November 2025
What it requires: Domestic health maintenance organizations that contract with the Oklahoma Health Care Authority to provide basic health services to Medicaid recipients and provide no basic health care services to any other group of persons are exempt from specified provisions of the Health Maintenance Organizations Act and are subject only to Medicaid program benefit coverage criteria and regulations.
Licensing, solvency and market conduct
- HB 1512Insurance; Insurance Commissioner authority related to the Patient Protection and Affordable Care Act; creating the State-based Exchange Revolving Fund; purpose; effective date; emergency.Took effect 1 July 2025
What it does: Grants the Oklahoma Insurance Commissioner authority to implement, establish, administer, or operate an exchange, promulgate rules, and apply for a Section 1332 waiver under the Patient Protection and Affordable Care Act. Effective July 1, 2025.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 1516Insurance; minors; contract for insurance; parental or guardian consent; effective date.Took effect 1 November 2025
What it requires: A minor not less than sixteen years of age may contract for life, accident and health insurance, or other insurance in which the minor has an insurable interest, only with signed parental or guardian consent. The minor may exercise all rights under such contracts and is bound by settlements, but cannot be bound by unperformed agreements to pay premiums.
Licensing, solvency and market conduct
- HB 1811Insurance; chronic conditions; validity period; prior authorization; inpatient; non-inpatient; timeframe; effective date.Took effect 1 November 2025
What it requires: Health benefit plans must keep prior authorizations valid for at least six months for non-inpatient chronic condition care and at least fourteen calendar days for inpatient acute care. Utilization review entities must not apply stricter criteria when evaluating continuation of inpatient care and must continue plan compensation if they fail to respond within seventy-two twenty-four hours before approved stay termination.
Health coverage and plan regulation
- HB 1777Civil procedure; Oklahoma Citizens Participation Act; excluding certain legal action; effective date.Took effect 1 November 2025
What it does: Amends the Oklahoma Citizens Participation Act to exclude from its application legal actions involving enforcement by state or district attorneys, sales or leases of goods or services, bodily injury or wrongful death claims, insurance matters, and employment relationship disputes involving trade secrets, corporate opportunities, or restrictive covenants.
- HB 2215Motor vehicles; removing provisions authorizing certain seizure of license plates; emergency.Enacted 12 May 2025
What it requires: An owner or operator who fails to comply with the Compulsory Insurance Law is guilty of a misdemeanor subject to a fine of not more than $250.00, imprisonment for not more than thirty days, or both, plus suspension of driving privilege. Law enforcement may seize the license plate if the vehicle is in drivable condition.
Health coverage and plan regulation, Auto insurance, Licensing, solvency and market conduct
What it requires: Insurers must not establish, implement, or enforce any policy, practice, or procedure that imposes a time limit on covered anesthesia services during a medical or surgical procedure or that restricts or excludes coverage or payment of anesthesia time.
Health coverage and plan regulation
- SB 1076Administrative Workers' Compensation Act; modifying definitions. Effective date.Enacted 12 May 2025
What it does: Amends Senate Bill No. 1076 by changing a wage threshold from One Hundred Thirty-Five Thousand Dollars ($135,000.00) to One Hundred Fifty Thousand Dollars ($150,000.00) in the Administrative Workers' Compensation Act.
Workers' compensation, surety and specialty lines
- SB 515Health insurance; authorizing health care provider to accept certain payments; requiring application of certain charge to deductible and maximum out-of-pocket expense. Effective date.Took effect 1 November 2025
What it requires: Health care providers must accept out-of-pocket payments from enrollees as payment in full and may not bill the enrollee or health benefit plan for any balance. Carriers must count the full out-of-pocket amount toward the enrollee's deductible and annual maximum out-of-pocket expense when documentation is provided showing the service was covered and the enrollee negotiated a lower price than the plan's average allowed amount.
Health coverage and plan regulation
- HB 2049Medicaid parity; coverage; mental health and substance use disorders; contract compliance; noncompliance reviews; Oklahoma Health Care Authority; complaints; publication of reports; effective date.Took effect 1 November 2025
What it requires: The Oklahoma Health Care Authority must ensure Medicaid managed care plans comply with federal and state parity laws. Managed care plans must conduct regular parity compliance analyses for nonquantitative treatment limitations on mental health and substance use disorder benefits, including whenever prior authorization requirements change. The Authority must develop a standardized process for receiving and resolving parity complaints and make public parity reports and de-identified complaints within thirty days of submission to Centers for Medicare and Medicaid Services.
What it does: Amends the definitions section of Oklahoma's Administrative Workers' Compensation Act to update statutory language and references, including clarifications on case managers, compensable injuries, employees, and permanent disability determinations. Effective November 1, 2025.
Workers' compensation, surety and specialty lines
- HB 1498Insurance; prepaid funeral services; permit; application; Insurance Commissioner; violations; penalties; examination; repealer; effective date.Took effect 1 November 2025
What it does: This amendment modifies HB1498 regarding prepaid funeral services by clarifying permit holder requirements, specifying Insurance Commissioner procedures, removing the word 'new' from permit provisions, and repealing Title 36 O.S. 2021, Section 1106.1.
Licensing, solvency and market conduct
- HB 1501Insurance; limiting certain compensation; prohibiting public adjusters from certain awards; effective date.Took effect 1 November 2025
What it requires: Public insurance adjusters must limit total compensation, including expenses and direct costs, to no more than ten percent of the insurance settlement amount when adjusting for entities subject to The Governmental Tort Claims Act.
Licensing, solvency and market conduct
- HB 1187Oklahoma Employees Insurance and Benefits Act; opt-out option; removing group insurance; effective date.Took effect 1 November 2025
What it requires: Active employees eligible for or participating in Oklahoma state employee health insurance may opt out of the basic plan or health and dental options only if currently covered by separate group health insurance. Opting-out employees must provide proof of separate coverage and sign an annual affidavit. Employees opting out receive $150.00 instead of the flexible benefit amount.
Health coverage and plan regulation
- HB 1369Oil and gas; evidence of financial ability for drilling and operating wells; modifying surety amount and types; effective date.Took effect 1 November 2025
What it requires: Any person who drills or operates any oil or gas well in Oklahoma must furnish written evidence of financial ability to comply with plugging, closure, and removal requirements. Category A surety is prohibited for new operators beginning November 1, 2025. Operators must post Category B surety meeting specified dollar amounts based on well count, ranging from $25,000 to $150,000.
Workers' compensation, surety and specialty lines
- SB 438Health insurance; methods of payments to providers; requiring notice of certain fee. Effective date.Took effect 1 November 2025
What it requires: Health insurers, health maintenance organizations, and their contracted vendors must not restrict payment methods to only credit card payments when paying health care providers. When initiating or changing to credit card payments, they must notify providers of associated fees and advise of alternative payment methods with clear instructions. They must not charge fees for Automated Clearing House Network payments unless the provider consents.
Health coverage and plan regulation
Insurance in Oklahoma, by topic
Health coverage and plan regulation
65 bills, 20 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
41 bills, 14 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
24 bills, 9 enacted. Enacted in 45 states.
Auto insurance
17 bills, 2 enacted. Enacted in 29 states.
Property, catastrophe and climate risk
9 bills, 2 enacted. Enacted in 31 states.
AI and data in underwriting and claims
4 bills. Enacted in 12 states.
Life insurance and annuities
2 bills. Enacted in 24 states.
Insurance bills in Oklahoma
The bills not yet law, furthest along first, with what each would do.
42Enacted
6Cleared both chambers
48Past committee
56Introduced or inactive
152 bills in scope
Cleared both chambers
6
What it would do: Requires operators of highway remediation and cleanup services to obtain at least Three Million Dollars of liability insurance coverage and submit proof to the Department of Environmental Quality when applying for or renewing a license.
What it would do: Requires individual and group health insurance policies to provide equal coverage to individuals diagnosed with epilepsy, prohibits insurers from terminating coverage based solely on epilepsy diagnosis, and mandates coverage for medically necessary neurostimulation devices prescribed by treating physicians.
What it would do: Amends pharmacy benefits manager regulations to prohibit conditioning payment on post-transaction reconciliation, require payment within 30 days, mandate itemized claim-level accounting, and authorize the Attorney General to levy fines up to $10,000 per violation.
What it would do: Amends bail bondsman collateral requirements and reduces the monthly reviewal fee submitted to the Insurance Commissioner from two-tenths of one percent to fifteen ten-thousandths of one percent of new liability written. Effective November 1, 2025.
What it would do: Amends pharmacy benefits manager (PBM) contractual duties to require remittance of administrative fees of $100 to $1,000 per occurrence when PBMs reduce reimbursement within 30-180 days after increasing it, and establishes additional requirements for MAC pricing, reimbursement appeals, and drug shortage reimbursement. Effective November 1, 2026.
What it would do: Prohibits pharmacy benefits managers from refusing additional documentation after appeal submission and requires appeals to include claim-level details, NDC numbers, and wholesaler proof. Requires PBMs to adjust reimbursement retroactively for all contracted providers if appeals are approved.
Past committee
19 of 48 shown
What it would do: Amends motor vehicle insurance verification requirements to allow licensed operators discretion to accept physical proof of insurance as valid when the online verification system is unavailable or appears sufficient, and allows insurance verification submission via email at no additional cost. Effective November 1, 2026.
What it would do: Amends Oklahoma's Captive Insurance Company Act to clarify definitions, require captive insurance companies to respond to Commissioner inquiries within 20 days, permit sponsored captive insurance companies to maintain unimpaired paid-in capital through irrevocable letters of credit, establish procedures for protected cell conversion and mergers, and allow public bodies to expend public funds to capitalize captive insurance companies.
What it would do: Amends oil and gas operator surety requirements by authorizing Category A surety operators to voluntarily convert to Category B surety with a three-year reversion right, after which conversion becomes permanent, and establishes phased Category B surety posting deadlines through 2028 based on well count.
What it would do: Prohibits insurers from increasing motor vehicle liability insurance premiums based solely on removal of a deceased spouse from a policy, and specifies such removal is not a material change in risk. Voids any premium increases in violation and requires refunds of excess premiums collected.
What it would do: Amends the workers compensation fee schedule to require that magnetic resonance imaging reimbursement only be allowed when provided by entities meeting Medicare requirements or accredited by specified organizations. Declares an emergency.
What it would do: Prohibits pharmacy benefits managers from restricting patients' access to specialty medications from medically integrated pharmacies affiliated with their treating specialty providers, and requires PBMs to offer medically integrated pharmacies equal participation terms and reimbursement rates as PBM-owned pharmacies.
What it would do: Amends Oklahoma's surplus lines insurance laws to clarify that only surplus lines brokers (not licensees) may place surplus lines insurance, requires brokers to deliver policies within 30 days, extends record-keeping requirements to five years, and removes premium tax exemptions for independently procured insurance.
What it would do: Requires applicants for special event licenses to hold general liability insurance with liquor liability coverage of at least one million dollars per occurrence and two million dollars aggregate. Effective November 1, 2026.
What it would do: Creates the Employer Health Plan Transparency Act requiring health insurance issuers and covered service providers to provide regulated health plans access to claims, encounter data, and supporting documentation within 15 days, with itemized costs and standardized formats, and prohibiting contract provisions that restrict such access.
What it would do: Authorizes licensed operators to accept physical proof of insurance presented by customers as valid when the online verification system is unavailable or when the operator determines in reasonable discretion that the physical proof appears valid and sufficient.
What it would do: This resolution affirms Oklahoma's public interest in CompSource Mutual Insurance Company's existence as a workers' compensation insurer and establishes that all company assets are held in trust for policyholders. It prohibits corporate structure changes except to a mutual insurance holding company, which requires paying policyholders their fair ownership interest.
What it would do: Creates a statutory cause of action for insureds and third-party beneficiaries against insurers for bad faith refusal or untimely denial of benefits, allowing jury trials without exhausting administrative remedies and permitting damages including punitive damages up to $500,000 or more depending on the insurer's conduct.
What it would do: Requires impact analysis by the Oklahoma Insurance Department for bills containing mandates affecting health benefit plans before House or Senate consideration, with analysis due within 60 days and limited to five referrals per fiscal year.
What it would do: Prohibits insurers from canceling, refusing to renew, or increasing premiums on homeowner's policies solely for a first claim, claims over five years old, or weather-related claims unless three or more occurred within three years. Limits consideration of at-fault motor vehicle claims history to the preceding three years.
What it would do: Requires group homes to maintain general liability insurance coverage of at least One Million Dollars for damage to off-site personal property while children are in their care, and directs the Department of Human Services to promulgate rules for annual certification forms and allows prevailing parties in civil actions to recover attorney fees and costs.
What it would do: Creates a presumption that firefighters, peace officers, and emergency medical technicians who suffer acute myocardial infarction or stroke resulting in disability or death within 8 hours after a shift involving stressful or strenuous emergency activity suffered it during employment, making them eligible for workers' compensation claims.
What it would do: Amends dental insurance law to define covered services as those reimbursed under subscriber agreements regardless of benefit limitations, and requires health benefit plans to establish appeal procedures for denied claims with determinations made by licensed dentists who must be identified in writing.
What it would do: Requires motor vehicle insurance policies issued or renewed after January 1, 2027 to include an appraisal clause allowing either party to demand appraisal to resolve disputes over actual cash value and loss amount, with the insured providing three appraiser recommendations and the insurer selecting one.
What it would do: Amends insurance rate standards to allow rates in competitive markets to be excessive without disapproval, requires Insurance Commissioner to send objections before determining rates excessive in noncompetitive markets, and requires all rates be filed thirty days prior to effective date.
Showing the 25 furthest along of 110. Subscribers see all of them, filtered and searchable. Bill titles link to the Oklahoma Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Oklahoma have an insurance law?
Yes. Oklahoma enacted 42 insurance laws in the 2025 and 2026 sessions, among them HJR 1023, SB 1303 and SB 1920. Each is listed on this page with what it requires.
When do Oklahoma's insurance laws take effect?
SB 1303 on 1 July 2026, SB 1920 on 1 November 2026, SB 1944 on 1 November 2026, HB 3781 on 1 July 2027 and SB 1916 on 1 November 2026. The others have no single date in their text.
Which insurance bills are moving in Oklahoma?
54 bills not yet law have passed a committee or a chamber, the furthest along SB 1684 (vetoed), HB 4294 (vetoed) and SB 1500 (vetoed).
What does Oklahoma legislate on most in insurance?
Health coverage and plan regulation (65 bills), Licensing, solvency and market conduct (41 bills) and Workers' compensation, surety and specialty lines (24 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Oklahoma
- AI in Oklahoma27
- Alcohol in Oklahoma44
- Cannabis in Oklahoma60
- Children's Online Safety in Oklahoma15
- Cybersecurity in Oklahoma9
- Data center and energy in Oklahoma13
- Data Privacy in Oklahoma24
- Employment in Oklahoma113
- Healthcare in Oklahoma201
- Intellectual Property in Oklahoma9
- Packaging and PFAS in Oklahoma7
- Payments and fintech in Oklahoma24
- Rental housing in Oklahoma16
- Tobacco and nicotine in Oklahoma12
- Transportation in Oklahoma33
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Oklahoma's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.