The bill establishes new provisions 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 and pays out of pocket, they can submit documentation to their health carrier. The health care provider is required to accept this payment as full settlement and cannot bill the enrollee or the health benefit plan for any remaining balance.

Additionally, the bill mandates that health carriers must count the out-of-pocket payments towards the enrollee's deductible and maximum out-of-pocket expenses, provided the service is covered under their health benefit plan and the negotiated price is lower than the average allowed amount. The bill also stipulates that the amount counted towards the deductible cannot exceed the total out-of-pocket limit for the enrollee's plan and will not carry over into subsequent contract periods. The act is set to take effect on November 1, 2025.