How Does IO Work?

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Insure Oklahoma Premium Assistance is a mechanism whereby small businesses, qualified employees, and their qualified spouses can obtain health insurance coverage at a more affordable rate.

Employers choosing to participate in a premium assistance program reap savings on health insurance premiums provided to their qualified workers. As the name implies, assistance in the form of a monetary subsidy is provided to be used towards health insurance premiums.

  • Participation in the Insure Oklahoma program is voluntary for both employers and employees. There is no minimum number of employees that must qualify to receive subsidy.
  • Insure Oklahoma is designed to assist those employees who meet the income requirements. Not everyone may qualify for this program.
  • Monthly health plan premium contributions are split between the employer, employee and Insure Oklahoma.
    • The business MUST contribute at least 25 percent of the premium for each qualified employee.
    • The qualified employee may contribute no more than 15 percent of the employee premium and no more than 15 percent of any qualified spouse premium. This amount may be reduced depending upon the household income.

Insure Oklahoma currently subsidizes children, whose household income is between186 percent and 200 percent of the Federal Poverty Level (FPL) and the parent (s) qualify. Children whose parents qualify for Insure Oklahoma but whose household income is at or below 185 percent of FPL may qualify for SoonerCare.Visit your local DHS office or call 1-800-987-7767 for more information. You may also get more information at

Can my business be terminated or disqualified
from the IO Program?

Your business may be disqualified or terminated from the program if the business no longer meets Insure Oklahoma Employer Qualifications.

Proceed to Employer Qualifications