OK HB1853

Enrollees may pay out-of-pocket for covered health care services and negotiate lower prices directly with licensed providers; if the negotiated price is below the plan's average allowed amount, the full payment counts toward deductibles and annual maximum out-of-pocket expenses

Insurance carriers must credit these out-of-pocket payments to in-network or out-of-network deductibles based on the provider's network status upon receiving documentation from the enrollee

Health care providers must accept the enrollee's negotiated payment as payment in full and cannot balance bill the enrollee or health plan for any remaining charges

Applies to group and individual health insurance, HMOs, PPOs, the State and Education Employees Group Health Insurance Plan, and Multiple Employer Welfare Arrangements, but excludes Medicaid plans, Medicare supplements, workers' compensation, and short-term policies under 6 months

Effective November 1, 2025