---
type: "Bill"
title: "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."
description: "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."
jurisdiction: "us/states/ok"
legislature: "Oklahoma Legislature"
session: "2026"
identifier: "SB 515"
citation: "Oklahoma SB 515 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Frix", "Schreiber"]
version_count: 7
action_count: 32
vote_count: 5
first_action: "2025-02-03"
last_action: "2025-05-12"
source: "openstates"
source_identifier: "ocd-bill/3bdad916-4d70-4e7e-87ce-68a89c3b4cf8"
source_url: "http://www.oklegislature.gov/BillInfo.aspx?Bill=SB515&session=2600"
source_hash: "523300518083d40c541f37b94f7e1eba259729b76b861a3081d840722c7bc99e"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ok"]
---

# Oklahoma SB 515 (2026) — 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.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 INT/SB/SB515 INT.PDF)
2. **Committee Amendment 1** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 COMMITTEE AMENDMENTS/Senate/SB515 CA1.PDF)
3. **Engrossed** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 ENGR/SB/SB515 ENGR.PDF)
4. **Enrolled (final version)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 ENR/SB/SB515 ENR.PDF)
5. **Floor (House)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLR/HFLR/SB515 HFLR.PDF)
6. **Floor (Senate)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLR/SFLR/SB515 SFLR.PDF)
7. **SB515 (3-24-25) (FRIX) FS FA1.PDF** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLOOR AMENDMENTS/Senate/SB515 (3-24-25) (FRIX) FS FA1.PDF)

## Votes

- Commerce And Economic Development Oversight Committee: Do Pass — **16–0** (pass) · lower
- Third Reading — **90–0** (pass) · lower
- Third Reading — **46–0** (pass) · upper
- Do Pass Amended — **10–0** (pass) · upper
- Insurance Committee: Do Pass — **6–0** (pass) · lower

## Sponsors

- Frix — primary (person)
- Schreiber — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-03** First Reading `introduction, reading-1`
- **2025-02-03** Authored by Senator Frix
- **2025-02-04** Second Reading referred to Business and Insurance `reading-2, referral-committee`
- **2025-02-05** Coauthored by Senator Bullard
- **2025-02-05** Coauthored by Senator Jett
- **2025-02-05** Coauthored by Senator Bergstrom
- **2025-02-10** Coauthored by Senator Grellner
- **2025-02-11** Coauthored by Senator Murdock
- **2025-03-03** Coauthored by Representative Schreiber (principal House author)
- **2025-03-06** Reported Do Pass as amended Business and Insurance committee; CR filed `committee-passage`
- **2025-03-06** Coauthored by Senator Deevers
- **2025-03-11** Placed on General Order
- **2025-03-25** General Order, Amended by Floor Substitute
- **2025-03-25** Measure passed: Ayes: 46 Nays: 0 `passage`
- **2025-03-25** Referred for engrossment
- **2025-03-26** Engrossed to House `passage`
- **2025-03-26** First Reading `introduction, reading-1`
- **2025-04-01** Second Reading referred to Commerce and Economic Development Oversight `reading-2, referral-committee`
- **2025-04-01** Referred to Insurance `referral-committee`
- **2025-04-10** Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance `committee-passage`
- **2025-04-10** Coauthored by Representative(s) Moore, Wolfley
- **2025-04-10** Coauthored by Senator(s) Hamilton
- **2025-04-24** CR; Do Pass Commerce and Economic Development Oversight Committee `committee-passage`
- **2025-05-05** General Order
- **2025-05-05** Coauthored by Representative(s) Hays, Roberts
- **2025-05-05** Third Reading, Measure passed: Ayes: 90 Nays: 0 `passage, reading-3`
- **2025-05-05** Signed, returned to Senate
- **2025-05-05** Referred for enrollment
- **2025-05-06** Signed, returned to Senate
- **2025-05-06** Enrolled, to House
- **2025-05-06** Sent to Governor `executive-receipt`
- **2025-05-12** Approved by Governor 05/09/2025 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/3bdad916-4d70-4e7e-87ce-68a89c3b4cf8`. Confidence: reported (aggregated from official Oklahoma legislature records).