How Much Does Health Insurance Cost in Tulsa, OK?
Tulsa pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Tulsa's energy-aerospace-healthcare economy.See our methodology
Health Insurance Pricing in Tulsa, OK
Tulsa is one of the more affordable markets for health insurance, with costs running about 18% below the national average. The city's energy-aerospace-healthcare economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 400K-population metro area is straightforward.
Local climate plays a direct role in health insurance costs here. Tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Tulsa: energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market.
Tulsa has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tulsa vs National Average
What Affects Health Insurance Cost in Tulsa?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Tulsa Market Conditions
energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market
Local Climate Impact
tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges
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Top-Rated Health Insurance Pros in Tulsa, OK
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Tips to Save on Health Insurance in Tulsa
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Tulsa Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $314 | — |
| 2021 | $327 | +4.1% |
| 2022 | $348 | +6.4% |
| 2023 | $358 | +2.9% |
| 2024 | $369 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Tulsa
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Tulsa than other cities?
Tulsa's costs reflect local labor rates driven by the energy-aerospace-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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