Insurance; marital status; death of spouse; coverage; rates; effective date.

Req. No. 14373 Page 1
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

STATE OF OKLAHOMA

2nd Session of the 60th Legislature (2026)

HOUSE BILL 3807 By: Adams

AS INTRODUCED

An Act relating to insurance; prohibiting refusal of
insurers to insure individuals based on marital
status reflecting death of spouse; prohibiting
insurers from charging individuals different rates
based on marital status reflecting death of spouse;
providing for codification; and providing an
effective date.

BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
SECTION 1. NEW LAW A new section of law to be codified
in the Oklahoma Statutes as Section 3660 of Title 36, unless there
is created a duplication in numbering, reads as follows:
Notwithstanding any other provision of law, an insurer may not:
1. Refuse to continue to insure or provide coverage to an
individual or limit the amount, extent, or kind of coverage
available to an individual because the individual is widowed or the
individual's marital status otherwise reflects the death of a
spouse; or

Req. No. 14373 Page 2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

2. Charge an individual who is widowed or whose marital status
otherwise reflects the death of a spouse a rate that is different
from the rate that would be charged if the individual's marital
status was married.
SECTION 2. This act shall become effective November 1, 2026.

60-2-14373 MJ 12/05/25