OK SB2166

Amends Oklahoma law (12 O.S. 2021, Section 3009.1) to limit recoverable medical damages in personal injury and wrongful death cases to amounts actually paid, amounts due and owing, or amounts necessary for future treatment

Establishes evidentiary rules requiring plaintiffs with health insurance who use letters of protection to disclose what their health plan would have paid, rather than full billed amounts

Requires disclosure of letter of protection arrangements, including itemized medical charges, any sale of accounts receivable to factoring companies, the plaintiff's health plan coverage status, and who referred the plaintiff for treatment

Permits admission of evidence regarding financial relationships between law firms and medical providers (referral frequency, financial benefit) as relevant to provider bias when attorneys refer clients for treatment under letters of protection

Takes effect November 1, 2026