The bill establishes new regulations regarding health care payments in Oklahoma, specifically focusing on the rights of enrollees when paying for health care services. It defines key terms such as "health benefit plan," "health care provider," and "health care service," while outlining the conditions under which an enrollee can pay out of pocket for services. If an enrollee negotiates a lower price for a medically necessary service than the average allowed amount by their health benefit plan, they can submit documentation to their carrier. This documentation must include details about the service, the provider, and the negotiated cost, confirming that the provider will not bill the enrollee or the health benefit plan for any remaining balance.

Furthermore, the bill mandates that health care providers must accept the negotiated payment as full payment and prohibits them from billing for any additional amounts. It also requires carriers to count the out-of-pocket payment towards the enrollee's deductible and out-of-pocket maximum, provided the service is covered under their plan. The amount credited towards the deductible will depend on whether the provider is in-network or out-of-network, and it cannot exceed the total out-of-pocket limit set for the enrollee's health benefit plan. The act is set to take effect on November 1, 2025.