House Bill No. 1853, introduced by Schreiber, aims to enhance the flexibility of medical expense payments for individuals in Oklahoma. The bill defines key terms such as "health care service" and "health benefit plan," and allows enrollees to pay for health care services out-of-pocket. If an enrollee negotiates a lower cost for a service compared to the average amount paid by their insurance carrier, they can submit documentation to their carrier to have the full out-of-pocket amount counted toward their deductible, coinsurance, or copayment. This documentation can be submitted electronically and must include details about the service received, the provider, and the negotiated cost.

Additionally, the bill stipulates that the amount counted toward an enrollee's out-of-pocket expenses cannot exceed the total amount they are required to pay during a specified contract period and does not carry over into subsequent periods. The legislation is set to take effect on November 1, 2025.