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Before obtaining health insurance policies, consumers are often asked to submit themselves to medical examinations in order to determine if they have pre-existing medical conditions.

The state of Oklahoma does not have any exact definition in place on what is considered a pre-existing condition, giving liberty to insurance providers and companies to come up with definitions and regulations of their own regarding this particular feature. State law also allows insurance providers to deny any health insurance application on the basis of the health of the applicant. They may also charge higher premiums due to certain health risks and may also impose exclusion period for a particular pre-existing condition, with the length of this period not specifically imposed by the state. However, health maintenance organizations are now allowed to impose exclusion periods in Oklahoma. Another option available for insurance providers is to include an elimination rider, in which a particular pre-existing health condition or body parts may be excluded from the coverage. Furthermore, insurance companies are allowed to define pregnancy as a pre-existing condition, thus giving the possibility of denied application to pregnant women seeking coverage.

The premium rates of the health insurance policies are not also regulated in Oklahoma, so these rates may vary from one insurance provider to another. Insurance providers may also increase premium rates upon renewal should they deem it necessary.

However, insurance providers are not also permitted under state law to cancel health insurance policies should policyholders get sick or are diagnosed with certain diseases while being enrolled in particular policy or plan.

There are also several state provisions concerning group health plans and small business health insurance in Oklahoma. For one thing, insurance providers are required to give coverage to those eligible for group health insurance irregardless of pre-existing health conditions, though exclusion periods may be imposed for no longer than 12 months. Small businesses, those with 50 employees or less, must also not be denied coverage and a limitation on the premium rates are imposed for this particular group of consumers.

The insurance industry in Oklahoma supports the High Risk Pool, a program created by the state government to provide coverage for those who have been denied health insurance due to serious medical or health conditions. Those covered under this particular program are normally charged higher than those covered under conventional health policies, as there is higher level of claims made by people covered under the scheme. The program is administered by a third party entity, the Benefit Management Inc.