This bill introduces new provisions in the Oklahoma Statutes regarding the payment of medical expenses by enrollees. It defines "health care service" and allows individuals to pay out-of-pocket for services from out-of-network providers. Enrollees who negotiate a lower cost than the average amount paid by their insurance carrier for comparable services can submit documentation to their carrier. This documentation must include details about the service received, the provider, and the negotiated cost, among other requirements.

Furthermore, the bill mandates that insurance carriers must count the full amount paid out-of-pocket by the enrollee toward their deductible, coinsurance, or copayment, provided the service is covered under the enrollee's health plan and the negotiated cost is lower than the average allowed amount. The amount counted cannot exceed the enrollee's out-of-pocket maximum for the contract period and does not carry over into subsequent contract periods. The act is set to take effect on November 1, 2025.