Oklahoma Home Insurance — Applications Open October 12
Oklahoma FORTIFIED-Roof Grants Reopen Statewide at Noon October 12
Applications open October 12, 2026 · Oklahoma Insurance Department
The Strengthen Oklahoma Homes program will open its fourth statewide application period at 12 p.m. (noon) Central Time on Monday, October 12, 2026. The program may provide up to $10,000 per approved household toward an eligible FORTIFIED Home – Roof upgrade with the High Wind designation and Hail Supplement.
Why this may matter to you: Funding and application availability may be limited. Review the homeowner checklist and gather the required documents before the portal opens. You must apply and receive approval before selecting a contractor or beginning construction. Approval and the full grant amount are not guaranteed.
Eligible properties generally must be owner-occupied Oklahoma single-family primary residences with active homeowners and wind insurance. Additional requirements apply, including flood insurance when the home is located in a special flood-hazard area.
READ THE OID ANNOUNCEMENT
REVIEW REQUIREMENTS AND APPLY
Medicare Open Enrollment Fraud Alert
Oklahoma Warns Medicare Beneficiaries About Open Enrollment Scams
October 7, 2026 · Oklahoma Insurance Department
With Medicare Open Enrollment running from October 15 through December 7, the Oklahoma Insurance Department is reminding beneficiaries that fraudulent calls, texts, emails and misleading sales activity often increase during this period.
Why this may matter to you: Do not share your Medicare card number, Social Security number, passwords or security codes with an unexpected caller. Be cautious of messages claiming that you need a new Medicare card or must act immediately. When comparing plans, confirm that your doctors, hospitals and prescriptions are covered instead of choosing coverage only because of advertised extras.
Oklahoma residents can report scams or suspicious activity to the Senior Medicare Patrol at 800-763-2828. Great Nation Insurance will not ask you to provide sensitive account information through an unsolicited text or email.
READ THE OID FRAUD ALERT
Medicare 2027 Plan Quality
CMS Publishes 2027 Medicare Advantage and Part D Star Ratings
October 8, 2026 · Centers for Medicare & Medicaid Services
CMS has published the 2027 Medicare Advantage and Part D Star Ratings in Medicare Plan Finder. Approximately 37% of Medicare Advantage contracts that include prescription drug coverage earned four stars or higher for 2027. Weighted by enrollment, approximately 71% of current MA-PD members are enrolled in contracts that will have four or more stars in 2027.
Why this may matter to you: Star Ratings can help compare plan quality and performance, but they should not be the only consideration. Confirm each plan’s doctors, hospitals, prescription formulary, pharmacies, benefits and total costs before enrolling. Medicare Open Enrollment runs October 15 through December 7, 2026.
READ THE CMS FACT SHEET
COMPARE 2027 MEDICARE PLANS
Oklahoma ACA Marketplace — Proposed 2028 Change
Oklahoma Releases Draft ACA Reinsurance Waiver for Public Comment
October 8, 2026 · Oklahoma Insurance Department
Oklahoma released a draft Affordable Care Act Section 1332 State Innovation Waiver that would establish a reinsurance program for the individual health insurance market beginning January 1, 2028, if the proposal receives federal approval. The state projects that the program could reduce premiums by approximately 4.1% to 6.4% statewide, with potentially larger reductions in certain high-cost areas.
Why this may matter to you: This is a proposal—not a change to your current coverage—and it will not affect 2027 Marketplace plans. Oklahoma residents may submit comments through October 31, 2026. Public hearings are scheduled for October 13 and 14, with a Tribal Nations hearing on October 22.
READ THE OID ANNOUNCEMENT
VIEW WAIVER AND HEARING INFORMATION
Original Medicare Part B
Eligible Original Medicare Beneficiaries to Receive a One-Time $90 Rebate
October 3, 2026 · Centers for Medicare & Medicaid Services
CMS announced a one-time $90 Medicare Improvement Fund Premium Rebate for approximately 20.8 million eligible people enrolled in Original Medicare Part B. To qualify, a beneficiary must live in the United States, not receive Medicaid assistance with the Part B premium and not pay an Income-Related Monthly Adjustment Amount (IRMAA). People enrolled in Medicare Advantage are not eligible.
Why this may matter to you: Most eligible beneficiaries should receive a $90 direct deposit on or around October 8, 2026. Those without direct deposit should receive a U.S. Treasury check later in October. No application is required. Be cautious of callers who ask for a fee, Medicare number or banking information to release the payment.
For eligibility questions, call 1-800-MEDICARE (1-800-633-4227). Beginning October 15, beneficiaries may call Social Security at 1-800-772-1213 to ask about the status of a payment.
READ THE CMS REBATE FAQ
Health Insurance Price Transparency
New 2027 Rules Expand Access to Health Plan Cost Estimates
October 5, 2026 · Centers for Medicare & Medicaid Services
CMS and the Departments of Labor and the Treasury finalized changes intended to make health-plan pricing information more accessible and reliable. For plan or policy years beginning on or after January 1, 2027, applicable group and individual health plans must make required personalized cost-sharing information available by telephone upon request, in addition to existing online and paper options.
Why this may matter to you: If an insurer’s online cost-estimator is difficult to use, you may be able to call the plan and request an estimate for a covered service. An estimate is not a guarantee of the final amount; actual costs can depend on the provider, network status, services received and how the claim is processed.
The final rules also standardize public pricing files and require clearer website access to those files, helping consumers, researchers and comparison tools locate health-plan pricing information.
READ THE CMS FACT SHEET
Oklahoma Medicaid & CHIP
Oklahoma Joins New CMS Medicaid Quality Initiative
September 25, 2026 · Centers for Medicare & Medicaid Services
CMS announced that Oklahoma is participating with 36 other states in the new Investing in Health Outcomes initiative. The voluntary Medicaid Quality Pledge is intended to focus Medicaid and Children’s Health Insurance Program quality measurement more heavily on prevention, chronic-disease management, behavioral health and measurable patient outcomes.
Why this may matter to you: The initiative may influence how Oklahoma measures and improves the quality of care delivered through Medicaid and CHIP over time. It does not immediately change SoonerCare eligibility, covered benefits or a member’s current health plan.
CMS says participating states will work to streamline quality measures, use more timely digital information where practical and connect accountability more closely with health outcomes. Oklahoma Governor Kevin Stitt expressed support for the initiative and cited Oklahoma’s transition to managed care.
READ THE CMS ANNOUNCEMENT
Oklahoma ACA Marketplace
CMS Tightens Marketplace Enrollment Controls Before 2027 Open Enrollment
September 22, 2026 · Centers for Medicare & Medicaid Services
CMS announced new anti-fraud safeguards for the Federally-facilitated Marketplace and State-based Exchanges using the federal HealthCare.gov platform. Oklahoma operates as a State-based Exchange on the Federal Platform for the remainder of 2026 and the full 2027 plan year, so these safeguards apply to Oklahoma Marketplace enrollment activity.
CMS says it canceled approximately 315,000 unauthorized Marketplace enrollments covering more than 760,000 people on August 31, 2026. The agency estimates that approximately $2.2 billion in advance premium tax credits will be returned as a result.
Why this may matter to you: Oklahoma Marketplace clients may encounter additional identity-verification and electronic-authorization steps when receiving agent assistance. These safeguards are intended to prevent coverage, agent information or subsidies from being changed without permission. Pay attention to unexpected Marketplace notices, promptly review changes you did not request and never share your HealthCare.gov security code or password with an unknown caller.
CMS says existing Marketplace agents and brokers must re-verify their identities through Login.gov or ID.me. Agent-assisted applications must include verifiable Social Security numbers or immigration-document numbers for non-newborn applicants, and electronic consumer authorization will be required before an agent or broker can act on an application or enrollment. CMS also announced a temporary moratorium on new 2027 agent and broker registrations for individuals without an active 2026 Exchange Agreement.
READ THE CMS FACT SHEET
OKLAHOMA MARKETPLACE INFORMATION
Medicare Part D 2027
2027 Medicare Changes: Part D Out-of-Pocket Limit Rises to $2,400
September 21, 2026 · Medicare.gov
Medicare reports that the annual out-of-pocket threshold for covered Part D prescription drugs will increase from $2,100 in 2026 to $2,400 in 2027. After qualifying out-of-pocket spending reaches the annual threshold, catastrophic coverage begins and the beneficiary pays $0 for covered Part D drugs for the remainder of the calendar year.
Why this may matter to you: The annual limit is an important protection, but premiums, deductibles, formularies, pharmacy networks and medication costs can still differ by plan. Review your Annual Notice of Change and confirm that your prescriptions and preferred pharmacies will remain covered. Medicare Open Enrollment runs October 15 through December 7, 2026, for coverage beginning January 1, 2027.
VIEW OFFICIAL PART D COSTS
VIEW OPEN ENROLLMENT DETAILS
Oklahoma Life Insurance
Oklahoma Policy Locator Helps Recover $260 Million in Unclaimed Life Insurance Benefits
September 15, 2026 · Oklahoma Insurance Department
The Oklahoma Insurance Department announced that Oklahoma consumers have been matched with approximately $260 million in unclaimed life insurance and annuity benefits through the free Life Insurance Policy Locator.
Why this may matter to you: If you believe a deceased family member may have owned a life insurance policy or annuity, an authorized person can submit a confidential search request through the official locator. A search does not guarantee that a policy exists or that benefits are payable; participating insurers contact authorized requesters when a potential match is found.
USE THE FREE POLICY LOCATOR
Original Medicare 2027
CMS Expands Technology-Supported Care for Certain Chronic Conditions
September 15, 2026 · Centers for Medicare & Medicaid Services
Beginning in spring 2027, CMS plans to expand its voluntary ACCESS Model for eligible people with Original Medicare who have heart failure, COPD, substance use disorders, nicotine dependence or certain chronic bone, joint and mobility conditions.
Why this may matter to you: Participating organizations may provide virtual care, health coaching, remote monitoring, connected devices or wearables between regular medical appointments. Availability will depend on the condition, participating organization and eligibility. The ACCESS Model applies to Original Medicare; Medicare Advantage members are not eligible for this model, although their plans may offer other care-management programs.
READ THE CMS ANNOUNCEMENT
LEARN ABOUT ACCESS
Oklahoma Disaster Preparedness
September Preparedness Reminder: Protect Your Household and Important Coverage Documents
September 10, 2026 · Oklahoma Insurance Department
For National Preparedness Month, the Oklahoma Insurance Department encouraged residents to prepare household emergency contacts, evacuation plans and essential supplies before a disaster occurs.
Why this may matter to you: Keep insurance documents and emergency contacts accessible, plan for medications and medical equipment, and identify safe places to go. Include household members and pets in your plan. Review and practice the plan regularly. An emergency kit does not replace insurance coverage; ask your carrier or agent if you have questions about your policy.
READ OID PREPAREDNESS UPDATE
VIEW EMERGENCY PLANNING RESOURCES
Oklahoma ACA Marketplace
Some Oklahoma Marketplace Enrollees May Receive a $500 Federal Refund
September 10, 2026 · The White House
The federal government announced $500-per-person refunds for nearly one million eligible ACA Marketplace customers in 30 states, including Oklahoma. The refunds are intended for eligible people who paid the full cost of their Marketplace coverage without federal premium assistance.
Why this may matter to you: Eligible recipients have already been identified, and checks are expected to begin going out in October 2026. Not every Marketplace enrollee will qualify. Clients who received advance premium tax credits or other premium assistance generally are not included. Be cautious of anyone asking for a fee or sensitive information to claim this refund.
READ FEDERAL ANNOUNCEMENT
Oklahoma ACA Health Insurance
Mending Health Under State Supervision and Exiting the Marketplace for 2027
August 26, 2026 · Oklahoma Insurance Department
The Oklahoma Insurance Department placed Mending Health Insurance in Oklahoma, Inc., formerly Taro Health, under supervision because of the company's financial situation. Mending will not offer Marketplace plans for 2027, is no longer accepting new enrollments and will not appear on HealthCare.gov.
Why this may matter to you: Existing Mending members should continue to have their current coverage and claims serviced through the end of 2026 without a lapse. They will need to actively select new 2027 coverage during Marketplace Open Enrollment beginning November 1, 2026. Watch for notices from Mending and compare provider networks, prescriptions, premiums and benefits before choosing a replacement plan. For help with concerns about current coverage or claims, call the Oklahoma Insurance Department at 1-800-522-0071.
READ OID MENDING HEALTH NOTICE
Medicare Annual Review
Watch for Your Medicare Annual Notice of Change This September
September 2026 · Medicare.gov
People enrolled in a Medicare Advantage or Medicare drug plan receive an Annual Notice of Change each fall. The notice explains changes in coverage, costs, provider access and other plan details that will take effect January 1, 2027.
Why this may matter to you: Do not assume your current plan will stay the same. Review the notice carefully, confirm that your prescriptions and preferred providers will still be covered, and compare 2027 options beginning October 1. Medicare Open Enrollment runs October 15 through December 7, 2026.
READ MEDICARE ANOC GUIDANCE
VIEW OPEN ENROLLMENT DETAILS
VIEW 2027 MEDICARE & YOU
Oklahoma Home Insurance
Oklahoma Homeowners Insurance Market Proceeding Continues
Updated September 17, 2026 · Oklahoma Insurance Department
The Oklahoma Insurance Department's proceeding to determine whether Oklahoma's homeowners insurance market is noncompetitive remains underway. The official record includes continuance orders, witness lists, briefs and other filings; no final market determination is reported on the record as of this update.
Why this may matter to you: A future determination could affect how Oklahoma's homeowners insurance market and rate filings are reviewed. Homeowners do not need to take immediate action because of the proceeding, but should continue reviewing replacement-cost limits, deductibles, wind and hail provisions, discounts and available carrier options.
VIEW THE OFFICIAL PROCEEDING
UnitedHealthcare
UnitedHealthcare to Reduce Prior Authorization Requirements Beginning October 1, 2026
September 1, 2026 · UnitedHealthcare
UnitedHealthcare announced that beginning October 1, 2026, it will remove prior authorization requirements for a broad range of health care services across multiple clinical specialties.
Why this may matter to you: Certain services may no longer require advance approval. Requirements can vary by plan and service, so members should verify current coverage and authorization requirements with their specific plan and health care provider.
READ UHC SOURCE
Medicare Prescription Drugs
Medicare GLP-1 Bridge Is Now Available for Certain Eligible Part D Members
Effective July 1, 2026 · CMS
CMS says eligible Medicare Part D beneficiaries can access certain GLP-1 medications through a temporary Medicare demonstration running from July 1, 2026 through December 31, 2027.
Why this may matter to you: Eligibility is not automatic and prior authorization is required. Eligible beneficiaries have a $50 copayment; the Part D deductible does not apply, but the payment does not count toward the beneficiary’s Part D out-of-pocket total. Medicare beneficiaries should use Medicare.gov or call 1-800-MEDICARE to check whether they may qualify.
READ CMS SOURCE
Medicare Fraud Protection
CMS Blocks Medical-Supply Companies Tied to $3.4 Billion in Suspected Fraudulent Billing
September 8, 2026 · CMS
CMS announced that it is barring 11 durable medical equipment and medical-supply companies associated with more than $3.4 billion in suspected improper Medicare billing during 2025 and 2026. CMS says the companies billed for equipment that some beneficiaries never requested or received, including billing connected to deceased beneficiaries.
Why this may matter to you: Be cautious about unsolicited calls offering braces, equipment or medical supplies. Do not give your Medicare number to an unknown caller. Review Medicare Summary Notices and plan statements, and report equipment or charges you do not recognize to 1-800-MEDICARE.
READ CMS FRAUD ALERT
Medicare 2027
CMS Announces 2027 Medicare Advantage and Part D Changes
2027 coverage changes · CMS
CMS finalized changes intended to simplify plan comparisons, update Medicare Advantage and Part D quality measures, and continue prescription drug benefit protections for 2027.
Why this may matter to you: Medicare Advantage and drug plan benefits, formularies, premiums and plan availability can change each year, making an annual coverage review important.
READ CMS SOURCE
Medicare Part D
CMS Releases 2027 Part D Base Premium Information
July 28, 2026 · CMS
CMS announced a 2027 national base beneficiary premium of $41.33. Actual Part D premiums are plan-specific and can differ from the national base amount.
Why this may matter to you: Your individual prescription drug plan premium and benefits may change for 2027, so reviewing your Annual Notice of Change and available options can be worthwhile.
READ CMS SOURCE
Oklahoma Home Insurance
Oklahoma Updates Its Home Insurance Rate Comparison
Updated August 2026 · Oklahoma Insurance Department
The Oklahoma Insurance Department updated its homeowners rate comparison guide. The state emphasizes that sample premiums are only comparisons and actual premiums depend on each homeowner's circumstances and the insurer.
Why this may matter to you: Homeowners should periodically review dwelling limits, deductibles, wind/hail provisions and replacement-cost needs — not just the premium.
VIEW OKLAHOMA GUIDE
Oklahoma Auto Insurance
Oklahoma Publishes Updated Auto Insurance Rate Comparisons
Updated July 2026 · Oklahoma Insurance Department
The Oklahoma Insurance Department's current comparison shows how premiums can vary substantially among insurers even when comparing similar sample drivers and coverage.
Why this may matter to you: A lower price does not always mean equivalent protection. Liability limits, deductibles, uninsured motorist protection and optional coverages should be compared along with price.
VIEW OKLAHOMA GUIDE
ACA Health Insurance
2027 ACA Marketplace Open Enrollment Starts November 1
2027 enrollment dates · HealthCare.gov
HealthCare.gov lists November 1, 2026 through January 15, 2027 as the Open Enrollment period for 2027 Marketplace coverage. December 15 is the deadline to enroll or change plans for coverage beginning January 1, 2027.
Why this may matter to you: Update your expected household income and household information, then compare premiums, tax-credit eligibility, deductibles, prescriptions and provider networks. Mending Health members must actively choose replacement coverage for 2027 because Mending will not offer Marketplace plans next year.
VIEW 2027 ENROLLMENT DATES
READ 2027 MARKETPLACE RULES
