All Roll Calls
Yes: 111 • No: 0
OklahomaSB 438Oklahoma 2026 Regular SessionSenateWALLET
Health insurance; methods of payments to providers; requiring notice of certain fee. Effective date.
Sponsored By: Bill Coleman (Republican)
Signed by Governor
Senate Committee
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
No bank transfer fees without consent
Beginning November 1, 2025, insurers, HMOs, and vendors cannot add a fee just to send a payment through the Automated Clearing House (ACH) network unless the provider agrees. A provider’s agent may charge reasonable fees for portal, data, or other added services. This stops surprise ACH transmission charges without consent.
Providers get payment choice and fee notice
Beginning November 1, 2025, insurers, HMOs, and their vendors cannot force providers to take only credit card payments. This applies to plans issued, amended, or renewed on or after January 1, 2020. When they start or change credit card, electronic funds transfer (EFT), or virtual card payments, they must tell providers about any fees. They must also list other payment options and give clear steps to pick one. Any contract term that tries to waive these rules is void.
Start date and state enforcement
Beginning November 1, 2025, the Oklahoma Insurance Commissioner enforces these payment rules. The Commissioner can act against insurers, HMOs, and vendors that do not follow them. The law takes effect November 1, 2025.
Sponsors & Cosponsors
Sponsor
Bill Coleman
Republican • Senate
Cosponsors
Chris Sneed
Republican • House
Roll Call Votes
House vote • 4/28/2025
Top_of_Page
Yes: 88 • No: 0
House vote • 4/17/2025
DO PASS
Yes: 16 • No: 0
House vote • 4/8/2025
DO PASS
Yes: 7 • No: 0
Senate vote • 3/12/2025
THIRD READING
Yes: 0 • No: 0
Senate vote • 3/12/2025
Top_of_Page
Yes: 0 • No: 0
Senate vote • 2/27/2025
Top_of_Page
Yes: 0 • No: 0
Actions Timeline
Approved by Governor 05/03/2025
5/5/2025SenateSent to Governor
4/29/2025SenateSigned, returned to Senate
4/29/2025HouseEnrolled, to House
4/29/2025SenateReferred for enrollment
4/28/2025SenateSigned, returned to Senate
4/28/2025HouseThird Reading, Measure passed: Ayes: 88 Nays: 0
4/28/2025HouseGeneral Order
4/28/2025HouseCR; Do Pass Commerce and Economic Development Oversight Committee
4/17/2025HousePolicy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance
4/8/2025HouseReferred to Insurance
4/1/2025HouseSecond Reading referred to Commerce and Economic Development Oversight
4/1/2025HouseFirst Reading
3/13/2025HouseEngrossed to House
3/13/2025SenateReferred for engrossment
3/12/2025SenateMeasure passed: Ayes: 41 Nays: 0
3/12/2025SenateGeneral Order, Considered
3/12/2025SenateCoauthored by Representative Sneed (principal House author)
3/4/2025SenatePlaced on General Order
3/4/2025SenateReported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
2/27/2025SenateSecond Reading referred to Business and Insurance
2/4/2025SenateAuthored by Senator Coleman
2/3/2025SenateFirst Reading
2/3/2025Senate
Bill Text
Enrolled (final version)
4/29/2025
Floor (House)
4/21/2025
House Committee Report
4/17/2025
House Policy Committee Report
4/8/2025
Engrossed
3/13/2025
Floor (Senate)
3/3/2025
Committee Substitute
2/27/2025
Senate Committee Report
2/27/2025
Introduced
1/7/2025
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