Across Oklahoma, many people are focused on holiday preparations, making lists, checking them twice, and planning for seasonal celebrations. However, amidst this busy time of year, it is equally important to turn attention to securing essential health insurance coverage. This time-sensitive opportunity provides Oklahomans with the chance to protect themselves and their families from unforeseen medical costs, giving them peace of mind for the year ahead.
The open enrollment period for individuals who do not receive health insurance through an employer, Medicare, or Medicaid is currently underway and will remain open until January 15. For those seeking coverage to begin on January 1, however, they must select a plan by December 15. This enrollment window is crucial, as it is one of the few times each year that individuals can purchase or switch their health insurance plans without needing to meet specific qualifying life events.
Health insurance plays a vital role in ensuring that individuals have access to the care they need, when they need it most. Not only does it help protect against unexpected medical expenses, but it also contributes to better overall health outcomes. Insurance enables individuals to access preventive services like vaccinations and screenings, which can detect health issues early, before they become more serious or costly. Additionally, insurance is essential for managing chronic conditions, ensuring that individuals receive the medications and treatments necessary for their ongoing health and well-being.
This is particularly important in Oklahoma, a state that continues to face significant health challenges. According to The Commonwealth Fund, Oklahoma ranked 44th in health outcomes and healthy behaviors in 2023—underscoring the need for more people to gain access to health coverage. In a state where health outcomes are often below the national average, securing reliable health insurance can make a significant difference in the quality of life for individuals and families.
Fortunately, there is encouraging news regarding health coverage in Oklahoma. More residents are enrolling in health insurance plans than ever before, regardless of how they obtain their coverage. Between 2023 and 2024, the number of Oklahomans selecting or automatically renewing plans through the Health Insurance Marketplace increased by more than 36%, according to data analyzed by the Kaiser Family Foundation. This surge in enrollment is likely due to enhanced premium tax credits, which have helped make health plans more affordable for many families.
Oklahoma’s Medicaid expansion in 2021 has also played a pivotal role in improving access to healthcare and reducing the number of uninsured residents. Medicaid expansion extended coverage to many low-income adults who previously did not qualify, helping to fill a crucial gap in the state’s healthcare system. As a result, more individuals and families have gained access to the care they need, particularly those who may have been uninsured in the past. Despite these positive developments, however, more than 11% of Oklahomans remain uninsured, highlighting the need for continued efforts to close this gap in coverage.
For those who are not covered through an employer, Medicare, or Medicaid, now is the time to act. It is critical to take advantage of this open enrollment period and purchase an individual or family plan if you do not already have coverage. It’s important to take the time to compare available plans, considering factors like which doctors are in-network and whether your prescription medications are covered under the plan. Many plans offer a variety of benefits, and understanding which plan best meets your needs is essential to getting the most value out of your coverage.
While the process of choosing a health insurance plan can sometimes feel overwhelming, it is worth the effort. Securing health insurance provides you with the most important gift: access to a healthier future. By having the right plan in place, you are taking proactive steps to safeguard your health and protect yourself from the financial burden of unexpected medical expenses. In a time when health is more important than ever, ensuring you have the coverage you need can provide peace of mind and long-term benefits for both you and your family.
Stephania Grober is the president of Blue Cross and Blue Shield of Oklahoma and a member of the Tulsa World Community Advisory Board.
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