Oklahoma 2026 Regular Session Status: Enacted Bipartisan · 1 R · 1 D cosponsors

SB 515 — Health insurance; authorizing health care provider to accept certain payments; requiring application of certain charge to deductible and maximum out-of-pocket expense. Effective date.

Last action — Approved by Governor 05/09/2025

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 03, 2025. Enacted.

Signed by Governor Kevin Stitt (Republican) on May 12, 2025.

Prognosis

Likely to advance 90% · high confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 2 sponsors

    2 primary, 0 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (1 R · 1 D) — cross-party backing.

  • Cleared a recorded vote

    Passed 5 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

134 added · 152 removed

Plain-language change summary

The recent changes to Bill SB 515 include the addition of specific legislators' names and a slight rephrasing of the introductory text. The bill focuses on healthcare services, particularly on how payments and deductibles are managed between carriers and enrollees. This matters because it aims to clarify payment structures in health plans, which could help ensure consumers are better informed and potentially reduce unexpected medical costs.

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ENGROSSED SENATE BILL NO.
An Act ENROLLED SENATE BILL NO.
Frix, Bullard, Bergstrom, Jett, Grellner, Murdock, and Deevers of the Senate and Schreiber of the House 6 An Act relating to health care services;
Frix, Bullard, Bergstrom, Jett, Grellner, Murdock, Deevers, and Hamilton of the Senate and Schreiber, Moore, Wolfley, Hays, and Roberts of the House An Act relating to health care services;
BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
SUBJECT:
Health care payments BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
“Health benefit plan” means group hospital coverage, individual and group medical insurance coverage, a not-for-profit hospital or medical service or indemnity plan, a prepaid health plan, a health maintenance organization plan, a preferred provider ENGR.
“Health benefit plan” means group hospital coverage, individual and group medical insurance coverage, a not-for-profit hospital or medical service or indemnity plan, a prepaid health plan, a health maintenance organization plan, a preferred provider organization plan, the Oklahoma Employees Insurance Plan, and coverage provided by a multiple employer welfare arrangement.
S.
B.
NO.
515 Page 1 organization plan, the Oklahoma Employees Insurance Plan, and coverage provided by a multiple employer welfare arrangement.
medical payment insurance issued as part of a motor vehicle insurance policy, ENGR.
medical payment insurance issued as part of a motor vehicle insurance policy, f.
a long-term care policy, including a nursing home fixed indemnity policy, unless a determination is made ENR.
515 Page 2 f.
515 Page 2 that the policy provides benefit coverage so comprehensive that the policy meets the definition of a health benefit plan, or g.
a long-term care policy, including a nursing home fixed indemnity policy, unless a determination is made that the policy provides benefit coverage so comprehensive that the policy meets the definition of a health benefit plan, or g.
ENGR.
A.
S.
B.
NO.
515 Page 3 A.
If an order by the health care provider is required by the policy, the order from the health care provider given to the enrollee or patient and the final bill or statement for the health care service;
If an order by the health care provider is required by the policy, the order from the health care provider given to the ENR.
S.
B.
NO.
515 Page 3 enrollee or patient and the final bill or statement for the health care service;
The health care provider shall accept the payment from the enrollee as payment in full and shall not bill the enrollee or the health benefit plan for any balance between the amount collected ENGR.
The health care provider shall accept the payment from the enrollee as payment in full and shall not bill the enrollee or the health benefit plan for any balance between the amount collected from the enrollee and the billed charge for the service by the provider.
S.
B.
NO.
515 Page 4 from the enrollee and the billed charge for the service by the provider.
The amount counted toward an applicable out-of-pocket deductible and annual maximum out-of-pocket expense shall not exceed the total amount that the enrollee is required to pay out of pocket during a contractually agreed upon period of time for health care services that are included under the health benefit plan of the enrollee, and shall not carry over once a new contract or agreement period for the plan begins.
The amount counted toward an applicable out-of-pocket deductible and annual maximum out-of-pocket expense shall not exceed the total amount that the enrollee is required to pay out of pocket during a contractually agreed upon period of time for health care services that are included under the health benefit plan of the ENR.
S.
B.
NO.
515 Page 4 enrollee, and shall not carry over once a new contract or agreement period for the plan begins.
ENGR.
ENR.
3 Presiding Officer of the Senate 5 Passed the House of Representatives the ____ day of __________, 2025.
Presiding Officer of the Senate Passed the House of Representatives the 5th day of May, 2025.
8 Presiding Officer of the House of Representatives ENGR.
Presiding Officer of the House of Representatives OFFICE OF THE GOVERNOR Received by the Office of the Governor this ____________________ day of ___________________, 20_______, at _______ o'clock _______ M.
By:
_________________________________ Approved by the Governor of the State of Oklahoma this _________ day of ___________________, 20_______, at _______ o'clock _______ M.
_________________________________ Governor of the State of Oklahoma OFFICE OF THE SECRETARY OF STATE Received by the Office of the Secretary of State this __________ day of __________________, 20 _______, at _______ o'clock _______ M.
By:
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_________________________________ ENR.
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Amendments

1 amendment

Click Show changes on an amendment above to see how it modifies the bill.

Action History

  1. Approved by Governor 05/09/2025

  2. Sent to Governor

  3. Enrolled, to House

  4. Signed, returned to Senate

  5. Referred for enrollment

  6. Signed, returned to Senate

  7. Third Reading, Measure passed: Ayes: 90 Nays: 0

  8. Coauthored by Representative(s) Hays, Roberts

  9. General Order

  10. CR; Do Pass Commerce and Economic Development Oversight Committee

  11. Coauthored by Senator(s) Hamilton

  12. Coauthored by Representative(s) Moore, Wolfley

  13. Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance

  14. Referred to Insurance

  15. Second Reading referred to Commerce and Economic Development Oversight

  16. First Reading

  17. Engrossed to House

  18. Referred for engrossment

  19. Measure passed: Ayes: 46 Nays: 0

  20. General Order, Amended by Floor Substitute

  21. Placed on General Order

  22. Coauthored by Senator Deevers

  23. Reported Do Pass as amended Business and Insurance committee; CR filed

  24. Coauthored by Representative Schreiber (principal House author)

  25. Coauthored by Senator Murdock

  26. Coauthored by Senator Grellner

  27. Coauthored by Senator Bergstrom

  28. Coauthored by Senator Jett

  29. Coauthored by Senator Bullard

  30. Second Reading referred to Business and Insurance

  31. Authored by Senator Frix

  32. First Reading

Sponsors

Sponsorship breakdown

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2 sponsors · 0 co-sponsors · 149 not signed on

Sponsors (2)

Co-sponsors (0)

None.

Not signed on (149)

149 members have not signed on to this bill.

Show all 149 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Third Reading

Passed 90 Yea · 0 Nay · 8 Other
Party YeaNayPresentNot Voting
Republican 73006
Unaffiliated 5001
Democrat 12002
Total 90009
% of votes cast 91%0%0%9%
How each member voted (99)
Member Party Vote
Alonso-Sandoval — Yea
Bennett — Yea
Pittman — Yea
Mr. Speaker — Yea
VACANCY: — Not Voting
Crosswhite Hader — Yea
Andy Fugate Democrat Yea
Annie Menz Democrat Yea
Cyndi Munson Democrat Yea
Ellen Pogemiller Democrat Yea
Ellyn Hefner Democrat Yea
Jacob Rosecrants Democrat Yea
Jared Deck Democrat Yea
John Waldron Democrat Yea
Melissa Provenzano Democrat Not Voting
Meloyde Blancett Democrat Yea
Michelle McCane Democrat Yea
Mickey Dollens Democrat Not Voting
Suzanne Schreiber Democrat Yea
Trish Ranson Democrat Yea
Anthony Moore Republican Yea
Bob Ed Culver Republican Yea
Brad Boles Republican Yea
Brian Hill Republican Yea
Carl Newton Republican Yea
Chad Caldwell Republican Yea
Chris Banning Republican Yea
Chris Kannady Republican Not Voting
Chris Sneed Republican Yea
Chuck Hall Republican Yea
Clay Staires Republican Yea
Cody Maynard Republican Yea
Collin Duel Republican Yea
Cynthia Roe Republican Yea
Daniel Pae Republican Yea
Danny Sterling Republican Yea
Danny Williams Republican Yea
David Hardin Republican Yea
David Smith Republican Yea
Dell Kerbs Republican Yea
Derrick Hildebrant Republican Yea
Dick Lowe Republican Yea
Eddy Dempsey Republican Not Voting
Emily Gise Republican Yea
Eric Roberts Republican Yea
Erick Harris Republican Yea
Gabe Woolley Republican Yea
George Burns Republican Not Voting
Gerrid Kendrix Republican Yea
Jack Stewart Republican Yea
Jason Blair Republican Yea
Jay Steagall Republican Yea
Jim Grego Republican Yea
Jim Olsen Republican Yea
Jim Shaw Republican Yea
John George Republican Yea
John Kane Republican Yea
John Pfeiffer Republican Yea
Jonathan Wilk Republican Yea
Josh Cantrell Republican Yea
Josh West Republican Yea
Judd Strom Republican Yea
Justin Humphrey Republican Not Voting
Ken Luttrell Republican Yea
Kenton Patzkowsky Republican Yea
Kevin West Republican Yea
Marilyn Stark Republican Yea
Mark Chapman Republican Yea
Mark Lawson Republican Yea
Mark Lepak Republican Yea
Mark Tedford Republican Yea
Max Wolfley Republican Yea
Mike Dobrinski Republican Yea
Mike Kelley Republican Yea
Mike Lay Republican Yea
Mike Osburn Republican Yea
Molly Jenkins Republican Yea
Neil Hays Republican Yea
Nick Archer Republican Yea
Nicole Miller Republican Yea
Preston Stinson Republican Not Voting
Rande Worthen Republican Yea
Rick West Republican Yea
Robert Manger Republican Yea
Ronny Johns Republican Yea
Ross Ford Republican Yea
Rusty Cornwell Republican Yea
Ryan Eaves Republican Yea
Scott Fetgatter Republican Not Voting
Stacy Jo Adams Republican Yea
Stan May Republican Yea
Steve Bashore Republican Yea
T.J. Marti Republican Yea
Tammy Townley Republican Yea
Tammy West Republican Yea
Tim Turner Republican Yea
Tom Gann Republican Yea
Toni Hasenbeck Republican Yea
Trey Caldwell Republican Yea

Official roll call →

Commerce And Economic Development Oversight Committee: Do Pass

Passed 16 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 13000
Unaffiliated 1000
Democrat 2000
Total 16000
% of votes cast 100%0%0%0%
How each member voted (16)
Member Party Vote
Alonso-Sandoval — Yea
Annie Menz Democrat Yea
Meloyde Blancett Democrat Yea
Brian Hill Republican Yea
Chris Banning Republican Yea
Chuck Hall Republican Yea
Cody Maynard Republican Yea
George Burns Republican Yea
Jonathan Wilk Republican Yea
Mark Tedford Republican Yea
Mike Lay Republican Yea
Nicole Miller Republican Yea
Ronny Johns Republican Yea
Stacy Jo Adams Republican Yea
Tammy Townley Republican Yea
Tom Gann Republican Yea

Official roll call →

Third Reading

Passed 46 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 38001
Democrat 8000
Total 46001
% of votes cast 98%0%0%2%
How each member voted (47)
Member Party Vote
Carri Hicks Democrat Yea
Jo Anna Dossett Democrat Yea
Julia Kirt Democrat Yea
Mark Mann Democrat Yea
Mary B. Boren Democrat Yea
Michael Brooks Democrat Yea
Nikki Nice Democrat Yea
Regina Goodwin Democrat Yea
Aaron Reinhardt Republican Yea
Adam Pugh Republican Yea
Ally Seifried Republican Yea
Avery Frix Republican Yea
Bill Coleman Republican Yea
Brenda Stanley Republican Yea
Brent Howard Republican Yea
Brian Guthrie Republican Yea
Casey Murdock Republican Yea
Christi Gillespie Republican Yea
Chuck Hall Republican Yea
Dana Prieto Republican Yea
Darcy Jech Republican Yea
Dave Rader Republican Yea
David Bullard Republican Not Voting
District 24 Republican Yea
Dusty Deevers Republican Yea
George Burns Republican Yea
Grant Green Republican Yea
Jack Stewart Republican Yea
Jerry Alvord Republican Yea
John Haste Republican Yea
Jonathan Wingard Republican Yea
Julie Daniels Republican Yea
Julie McIntosh Republican Yea
Kelly Hines Republican Yea
Kendal Sacchieri Republican Yea
Kristen Thompson Republican Yea
Lisa Standridge Republican Yea
Lonnie Paxton Republican Yea
Micheal Bergstrom Republican Yea
Paul Rosino Republican Yea
Randy Grellner Republican Yea
Roland Pederson Republican Yea
Shane Jett Republican Yea
Spencer Kern Republican Yea
Todd Gollihare Republican Yea
Tom Woods Republican Yea
Warren Hamilton Republican Yea

Official roll call →

Do Pass Amended

Passed 10 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 8000
Democrat 2000
Unaffiliated 0001
Total 10001
% of votes cast 91%0%0%9%
How each member voted (11)
Member Party Vote
AMD SB515 CA1 - ADOPTED — Not Voting
Mark Mann Democrat Yea
Michael Brooks Democrat Yea
Aaron Reinhardt Republican Yea
Adam Pugh Republican Yea
Bill Coleman Republican Yea
Brian Guthrie Republican Yea
District 24 Republican Yea
Jerry Alvord Republican Yea
Lisa Standridge Republican Yea
Randy Grellner Republican Yea

Official roll call →

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 515?
SB 515 is sponsored by Avery Frix (Republican) and Suzanne Schreiber (Democrat).
What is the current status of SB 515?
This bill has been enacted into law. Introduced February 03, 2025. Enacted.
Where can I track SB 515?
Track SB 515 free on One Click Politics — get push/email alerts when it moves.

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Last checked for changes 3 months ago · updated continuously

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