Oklahoma health plan · 2025

Bronze Elite + PCP Saver Plus · 91908OK0010005

Oscar Insurance Company offers this marketplace health insurance plan (Plan ID 91908OK0010005) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Expanded Bronze Plan type: PPO CSR: Zero Cost Sharing Plan Variation Issuer: Oscar Insurance Company
Telehealth Data pending HSA eligible No Dental Not listed Vision Child

CMS AV Calculator output: 100.00% (0.00% member share on average). Learn about AV methodology.

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$270 – $1112

Before subsidies

Estimate after subsidies

Deductible

N/A

N/A

See deductible details

Max out-of-pocket

$0

$0 per group

Review MOOP rules

Office visits

Primary care $0.00
Specialist $0.00
HSA Not eligible

Drug tiers

Generic $0.00
Preferred brand $0.00

View formulary tiers

$371 / mo before subsidies

≈ $4446 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1187 / mo before subsidies

≈ $14247 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1448 / mo before subsidies

≈ $17379 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$904 / mo before subsidies

≈ $10845 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

$0.00

Durable Medical Equipment

$0.00

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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Oklahoma). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Zero Cost Sharing Plan Variation plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

$0.00

Durable Medical Equipment

$0.00

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 91908OK0010005
Coverage year 2025
State Oklahoma
Issuer Oscar Insurance Company
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 91908OK0010005-02
Available variants

Standard Off Exchange Plan · 91908OK0010005-00

Standard On Exchange Plan · 91908OK0010005-01

Open to Indians below 300% FPL · 91908OK0010005-02

Open to Indians above 300% FPL · 91908OK0010005-03

Last plan update Sat, 11 Jan 2025 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Oklahoma 10
PCPs in Oklahoma 2
Telehealth support Data pending
Nationwide providers 11
10 doctors statewide 2 PCPs
Providers Oklahoma All US states
All 10 11
PCP 2 2
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

3,991 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 2,196
NON-PREFERRED-BRAND 603
SPECIALTY-DRUGS 583
PREFERRED-GENERIC 320
ZERO-COST-SHARE-PREVENTIVE-DRUGS 214
NONPREFERRED-SPECIALTY-DRUGS 75
Prior authorization Drugs
Required 868
Not Required 3,123
Step therapy Drugs
Required 19
Not Required 3,972
Quantity limits Drugs
Has Limit 1,426
No Limit 2,565

Customer highlights

What stands out for members

  • Issuer: Oscar Insurance Company · Plan ID 91908OK0010005 · 2025 filing.
  • Disease management programs available: Asthma, Depression, Diabetes, Heart Disease, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 91908OK0010005-02 (Open to Indians below 300% FPL) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$0.00

Diabetes Education

$0.00

Home Health Care Services

$0.00

Laboratory Outpatient and Professional Services

$0.00

Other Practitioner Office Visit (Nurse, Physician Assistant)

$0.00

Preventive Care/Screening/Immunization

0.00%

Primary Care Visit to Treat an Injury or Illness

$0.00

Rehabilitative Occupational and Rehabilitative Physical Therapy

$0.00

Rehabilitative Speech Therapy

$0.00

Specialist Visit

$0.00

Urgent Care Centers or Facilities

$0.00

X-rays and Diagnostic Imaging

$0.00

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

$0.00

Delivery and All Inpatient Services for Maternity Care

$0.00

Dialysis

$0.00

Durable Medical Equipment

$0.00

Emergency Room Services

$0.00

Emergency Transportation/Ambulance

$0.00

Hospice Services

$0.00

Inpatient Hospital Services (e.g., Hospital Stay)

$0.00

Inpatient Physician and Surgical Services

$0.00

Mental/Behavioral Health Inpatient Services

$0.00

Mental/Behavioral Health Outpatient Services

$0.00

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

$0.00

Outpatient Rehabilitation Services

$0.00

Outpatient Surgery Physician/Surgical Services

$0.00

Radiation

$0.00

Skilled Nursing Facility

$0.00

Substance Abuse Disorder Inpatient Services

$0.00

Substance Abuse Disorder Outpatient Services

$0.00

Transplant

$0.00

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

Coverage details pending

Hearing Aids

$0.00

Major Dental Care - Child

Coverage details pending

Prenatal and Postnatal Care

0.00%

Routine Eye Exam for Children

$0.00

Well Baby Visits and Care

0.00%

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$0.00

Non-Preferred Brand Drugs

$0.00

Preferred Brand Drugs

$0.00

Specialty Drugs

$0.00

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

$0.00

Basic Dental Care - Adult

Coverage details pending

Dental Check-Up for Children

Coverage details pending

Infusion Therapy

$0.00

Major Dental Care - Adult

Coverage details pending

Nutritional Counseling

$0.00

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

Coverage details pending

Prosthetic Devices

$0.00

Routine Dental Services (Adult)

Coverage details pending

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Acupuncture

Coverage details pending

Allergy Testing

$0.00

Bariatric Surgery

Coverage details pending

Cosmetic Surgery

Coverage details pending

Eye Glasses for Children

$0.00

Gender Affirming Care

Coverage details pending

Habilitation Services

$0.00

Imaging (CT/PET Scans, MRIs)

$0.00

Infertility Treatment

Coverage details pending

Long-Term/Custodial Nursing Home Care

Coverage details pending

Private-Duty Nursing

$0.00

Reconstructive Surgery

$0.00

Routine Eye Exam (Adult)

Coverage details pending

Routine Foot Care

Coverage details pending

Treatment for Temporomandibular Joint Disorders

Coverage details pending

Variant attributes

Bronze Elite + PCP Saver Plus · Variant 91908OK0010005-02

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Zero Cost Sharing Plan Variation

HIOS Product ID

91908OK001

Metal Level

Expanded Bronze

Plan ID (Standard Component ID with Variant)

91908OK0010005-02

Plan Marketing Name

Bronze Elite + PCP Saver Plus

Plan Variant Marketing Name

AIAN Cost Share

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

91908

Issuer Marketplace Marketing Name

Oscar Insurance Company

Market Coverage

Individual

Multiple In Network Tiers

Yes

National Network

No

Network ID

OKN001

Out of Country Coverage

Yes

Out of Country Coverage Description

Emergency Services Only

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Emergency and Urgent Services Only

Service Area ID

OKS001

State Code

OK

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

AV Calculator Output Number

1.0

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

0.00%

Drug EHB Deductible, In Network (Tier 2), Default Coinsurance

0.00%

Inpatient Copayment Maximum Days

2

Medical Drug Deductibles Integrated

No

Medical Drug Maximum Out of Pocket Integrated

Yes

Medical EHB Deductible, In Network (Tier 1), Default Coinsurance

0.00%

Medical EHB Deductible, In Network (Tier 2), Default Coinsurance

0.00%

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$0

SBC Scenario, Having a Baby, Deductible

$0

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$0

SBC Scenario, Having Diabetes, Deductible

$0

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$0

SBC Scenario, Treatment of a Simple Fracture, Deductible

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

Not Applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$0 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$0 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Group

$0 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Person

$0 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Individual

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

OKF001

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$0

SBC Scenario, Having Diabetes, Limit

$0

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Drug EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Drug EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Drug EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Drug EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Drug EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Drug EHB Deductible, In Network (Tier 1), Individual

$0

Drug EHB Deductible, In Network (Tier 2), Family Per Group

$0 per group

Drug EHB Deductible, In Network (Tier 2), Family Per Person

$0 per person

Drug EHB Deductible, In Network (Tier 2), Individual

$0

Drug EHB Deductible, Out of Network, Family Per Group

per group not applicable

Drug EHB Deductible, Out of Network, Family Per Person

per person not applicable

Drug EHB Deductible, Out of Network, Individual

Not Applicable

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Depression, Diabetes, Heart Disease, Pregnancy

EHB Percent of Total Premium

1.0

First Tier Utilization

44%

Import Date

2025-01-11 00:01:52

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Medical EHB Deductible, Combined In/Out of Network, Family Per Group

$0 per group

Medical EHB Deductible, Combined In/Out of Network, Family Per Person

$0 per person

Medical EHB Deductible, Combined In/Out of Network, Individual

$0

Medical EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Medical EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Medical EHB Deductible, In Network (Tier 1), Individual

$0

Medical EHB Deductible, In Network (Tier 2), Family Per Group

$0 per group

Medical EHB Deductible, In Network (Tier 2), Family Per Person

$0 per person

Medical EHB Deductible, In Network (Tier 2), Individual

$0

Medical EHB Deductible, Out of Network, Family Per Group

$0 per group

Medical EHB Deductible, Out of Network, Family Per Person

$0 per person

Medical EHB Deductible, Out of Network, Individual

$0

Plan Effective Date

2025-01-01

Plan Expiration Date

2025-12-31

Plan Type

PPO

QHP/Non QHP

Both

Second Tier Utilization

56%

Source Name

HIOS

Plan ID

91908OK0010005

Unique Plan Design

No

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Oklahoma?

Bronze Elite + PCP Saver Plus (91908OK0010005) is a Expanded Bronze PPO from Oscar Insurance Company in Oklahoma for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Bronze Elite + PCP Saver Plus support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Bronze Elite + PCP Saver Plus HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental coverage is not listed for this plan.

Vision add-ons: Child.

Does Bronze Elite + PCP Saver Plus support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Bronze Elite + PCP Saver Plus?

The issuer lists disease management resources for: Asthma, Depression, Diabetes, Heart Disease, Pregnancy.

Is there out-of-country coverage for Bronze Elite + PCP Saver Plus?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Emergency Services Only

Does Bronze Elite + PCP Saver Plus cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Emergency and Urgent Services Only

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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