Medicare Supplement

Oklahoma City 2026 Medicare: 60 Advantage Plans in Play

OKLAHOMA CITY — If you're turning 65 soon or already on Medicare, you have more choices this year than most people realize. Oklahoma City sits inside Oklahoma County, where 60 Medicare Advantage plans are available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data.

That's a lot to sort through. Here's a plain-English look at what's on the table locally, plus the key 2026 rules every Medicare shopper in the metro should know.

What's available in Oklahoma County for 2026

Oklahoma City is in Oklahoma County, where CMS lists:

• 60 Medicare Advantage plans for 2026
• 9 carriers offering Medicare Advantage plans that include drug coverage (MA-PD)
• 11 stand-alone Part D drug plans available statewide for 2026 — Oklahoma has 11 stand-alone Part D plans for 2026, sold statewide, so anyone in Oklahoma City with Original Medicare can shop them on Medicare.gov, while most drug coverage locally is bundled into Medicare Advantage plans
• 10 contracts rated 4 stars or higher under CMS's 2026 Star Ratings

These are counts of what's offered — not a recommendation. What fits you depends on your doctors, your prescriptions, and your budget.

With more than 116,000 residents age 65 and older in Oklahoma County, that's a big pool of neighbors making similar decisions this fall.

The big 2026 changes to know

A few program-wide updates take effect in 2026, and they apply no matter which plan you pick:

• Part D out-of-pocket cap: $2,100. Once your out-of-pocket spending on covered drugs hits that amount, you pay $0 for covered drugs the rest of the year.
• Part D deductible cap: $615. No Part D plan can charge a deductible higher than that.
• No more donut hole. The old coverage gap was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs into monthly payments across the year instead of paying big amounts at the pharmacy counter.
• IRMAA income thresholds. Higher-income beneficiaries pay surcharges on Part B and Part D. For 2026, IRMAA begins above $109,000 in income for single filers (higher for joint filers).

What Star Ratings actually mean

CMS scores Medicare Advantage and Part D contracts on a 1-to-5 scale based on things like customer service, member complaints, and how well plans manage chronic conditions.

Under CMS's 2026 Star Ratings, 10 of the Medicare Advantage contracts offering plans in Oklahoma County are rated 4 stars or higher. Ratings can shift year to year, and a lower rating doesn't automatically mean a plan is wrong for you — but it's one data point worth checking on Medicare.gov before you enroll.

Key dates for Oklahoma City shoppers

• Annual Enrollment Period (AEP): October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to a different MA plan or drop back to Original Medicare.

If you miss AEP, you generally have to wait until next year unless you qualify for a Special Enrollment Period (moving, losing other coverage, etc.).

How to actually compare 60 plans without losing your mind

Sixty options sounds overwhelming. It's more manageable if you narrow down by what matters to you:

1. List your prescriptions — names, dosages, and how often you take them. 2. List your doctors and preferred hospitals, and check whether each plan's network includes them. 3. Use the Plan Finder at Medicare.gov. It lets you filter by drug list, network, and total estimated yearly cost. 4. Get free, unbiased help. Oklahoma's State Health Insurance Assistance Program (SHIP) — locally known as the Senior Health Insurance Counseling Program (SHIP) through the Oklahoma Insurance Department — offers free one-on-one counseling. They don't sell anything.