All Roll Calls
Yes: 168 • No: 0
OklahomaSB 515Oklahoma 2026 Regular SessionSenateWALLET
Health insurance; authorizing health care provider to accept certain payments; requiring application of certain charge to deductible and maximum out-of-pocket expense. Effective date.
Sponsored By: Avery Frix (Republican)
Signed by Governor
Senate Committee
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Lower cash prices count toward deductible
Beginning November 1, 2025, you can pay cash for a covered, medically necessary service at a price you negotiate below your plan’s average allowed amount. You must send your insurer proof of the service and provider, any required order, the agreed price and the provider’s promise not to bill the plan, and the final bill if you have it. Your insurer then counts the full amount you paid toward your deductible and annual out-of-pocket max. Credits go to the in-network or out-of-network totals based on the provider’s network status. Providers must accept your payment as payment in full and cannot balance bill you or your plan. Credits only apply within your plan’s contract period and do not carry over to a new period.
Which plans and services this law covers
Beginning November 1, 2025, the law defines which plans, providers, and services these rules cover. Covered plans include individual and group medical insurance, HMOs, PPOs, the Oklahoma Employees Insurance Plan, and some employer welfare plans. It does not apply to Medicaid‑contracted plans, Medicare supplement policies, workers’ compensation, motor‑vehicle medical payments, long‑term care, short‑term policies of six months or less, accident‑only, or limited dental or vision plans. A health care service includes diagnosis, prevention, treatment, mental health and substance use care, and durable medical equipment, but not giving or prescribing drugs. These definitions decide if your plan and service qualify for the cash‑price and deductible‑credit rules.
Sponsors & Cosponsors
Sponsor
Avery Frix
Republican • Senate
Cosponsors
Micheal Bergstrom
Republican • Senate
David Bullard
Republican • Senate
Dusty Deevers
Republican • Senate
Randy Grellner
Republican • Senate
Warren Hamilton
Republican • Senate
Neil Hays
Republican • House
Shane Jett
Republican • Senate
Anthony Moore
Republican • House
Casey Murdock
Republican • Senate
Eric Roberts
Republican • House
Suzanne Schreiber
Democratic • House
Max Wolfley
Republican • House
Roll Call Votes
House vote • 5/5/2025
THIRD READING
Yes: 90 • No: 0
House vote • 4/24/2025
DO PASS
Yes: 16 • No: 0
House vote • 4/8/2025
DO PASS
Yes: 6 • No: 0
Senate vote • 3/25/2025
THIRD READING
Yes: 46 • No: 0
Senate vote • 3/6/2025
Committee vote: Business & Insurance
Yes: 10 • No: 0
Actions Timeline
Approved by Governor 05/09/2025
5/12/2025SenateSent to Governor
5/6/2025SenateEnrolled, to House
5/6/2025SenateSigned, returned to Senate
5/6/2025HouseReferred for enrollment
5/5/2025SenateSigned, returned to Senate
5/5/2025HouseThird Reading, Measure passed: Ayes: 90 Nays: 0
5/5/2025HouseCoauthored by Representative(s) Hays, Roberts
5/5/2025HouseGeneral Order
5/5/2025HouseCR; Do Pass Commerce and Economic Development Oversight Committee
4/24/2025HouseCoauthored by Senator(s) Hamilton
4/10/2025HouseCoauthored by Representative(s) Moore, Wolfley
4/10/2025HousePolicy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance
4/10/2025HouseReferred to Insurance
4/1/2025HouseSecond Reading referred to Commerce and Economic Development Oversight
4/1/2025HouseFirst Reading
3/26/2025HouseEngrossed to House
3/26/2025SenateReferred for engrossment
3/25/2025SenateMeasure passed: Ayes: 46 Nays: 0
3/25/2025SenateGeneral Order, Amended by Floor Substitute
3/25/2025SenatePlaced on General Order
3/11/2025SenateCoauthored by Senator Deevers
3/6/2025SenateReported Do Pass as amended Business and Insurance committee; CR filed
3/6/2025SenateCoauthored by Representative Schreiber (principal House author)
3/3/2025SenateCoauthored by Senator Murdock
2/11/2025Senate
Bill Text
Enrolled (final version)
5/6/2025
Floor (House)
4/24/2025
House Committee Report
4/24/2025
House Policy Committee Report
4/10/2025
Engrossed
3/26/2025
Floor (Senate)
3/10/2025
Senate Committee Report
3/6/2025
Introduced
1/13/2025
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