Oklahoma employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
617 Oklahoma employers filed health plans with 100 or more participants for plan year 2024, covering 412,251 participants. They reported $273M in insurance premiums and $61M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 1.6% of premium, 2.1 points below the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in Oklahoma
Every Oklahoma city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
| City | Employer plans | Premiums |
|---|---|---|
| Tulsa | 202 | $65M |
| Oklahoma City | 186 | $125M |
| Edmond | 18 | $5.1M |
| Norman | 17 | $732,844 |
Largest employer plans
By health plan participants.
| Employer | City | Participants |
|---|---|---|
| Love's Travel Stops & Country Stores | Oklahoma City | 39,069 |
| Nextep Inc. | Norman | 17,435 |
| Hobby Lobby Stores, Inc. | Oklahoma City | 16,095 |
| Choctaw Nation of Oklahoma | Durant | 10,016 |
| The Chickasaw Nation | Ada | 9,534 |
| Quiktrip Corporation | Tulsa | 9,389 |
| Ou Medicine, Inc. (dba Ou Health) | Oklahoma City | 8,504 |
| Integris Health, Inc. | Oklahoma City | 7,673 |
| Paycom Payroll LLC | Oklahoma City | 7,011 |
| Saint Francis Health System Inc | Tulsa | 6,929 |
| Express Services, Inc. | Oklahoma City | 6,588 |
| Helmerich & Payne Management, LLC | Tulsa | 6,200 |
| One Gas, Inc. | Tulsa | 5,909 |
| The Williams Companies, Inc. | Tulsa | 5,452 |
| Bokf, N.A. | Tulsa | 4,981 |
| Oneok, Inc. | Tulsa | 4,756 |
| Braum's Inc | Oklahoma City | 4,283 |
| Cherokee Nation Businesses, LLC | Tulsa | 4,088 |
| Chamber of Commerce Executives of Kansas, Inc. | Broken Arrow | 3,825 |
| Alliance Coal, LLC | Tulsa | 3,532 |
| WH Braum Inc | Oklahoma City | 3,403 |
| Midfirst Bank | Oklahoma City | 3,215 |
| American Fidelity Corporation | Oklahoma City | 3,213 |
| Aaon, Inc. | Tulsa | 3,200 |
| Hilti, Inc | Tulsa | 3,061 |
Highest broker pay
Employers reporting the most broker commissions and fees.
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Silver Star Construction Company | Moore | 6.5% | $93,044 |
| Lenape Entertainment, LLC | Anadarko | 5.0% | $96,743 |
| Principle Choice Solutions, LLC | Oklahoma City | 4.5% | $119,949 |
| Lopez Foods, Inc | Oklahoma City | 2.7% | $303,388 |
| North Oklahoma County Mental Health Center, Inc. | Oklahoma City | 2.5% | $66,210 |
| Crest Discount Foods, Inc. | Edmond | 2.5% | $102,286 |
| Chickasaw Holding Company | Sulphur | 1.6% | $58,520 |
| Ascent Resources Management Services, LLC | Oklahoma City | 1.6% | $95,840 |
| Oral Roberts University | Tulsa | 1.3% | $46,443 |
| Latshaw Drilling & Exploration Company | Tulsa | 0.9% | $16,589 |
| Pioneer Telephone - Health & Welfare | Kingfisher | 0.8% | $40,225 |
| Bancfirst | Oklahoma City | 0.4% | $65,623 |
| Dean McGee Eye Institute | Oklahoma City | 0.1% | $4,361 |
| CN Enterprises | Oklahoma City | 0.1% | $15,678 |
| WH Braum Inc | Oklahoma City | 0.0% | $0 |
| Chamber of Commerce Executives of Kansas, Inc. | Broken Arrow | 0.0% | $0 |
| Oklahoma Blood Institute | Oklahoma City | 0.0% | $0 |
| Trustees - Arkansas Pipe Trades Health and Welfare Fund | Oklahoma City | 0.0% | $0 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Oklahoma employers pay health insurance brokers?
Across 14 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Oklahoma employers was 1.6% of premium (middle half 0.8% to 2.6%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $70,599.
Which Oklahoma employers paid the most in broker commissions?
Cherokee Nation Businesses, LLC reported the most in 2024, $1,658,457, followed by Housing Authority of the City of Tulsa ($1.2M) and The Chickasaw Nation ($1.1M).
Which brokers and carriers dominate Oklahoma?
By reported compensation, the largest brokers are HUB International, Gallagher, Lockton. By medical premium, the largest carriers are Bluecross Blueshield of Oklahoma, Bluecross Blueshield of Illinois, Blue Cross and Blue Shield of Kansas.
Which Oklahoma cities have the most employer health plans?
Tulsa (202 employer plans, $65M in premiums); Oklahoma City (186 employer plans, $125M in premiums); Edmond (18 employer plans, $5.1M in premiums); Norman (17 employer plans, $732,844 in premiums). 4 Oklahoma cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
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