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Workers’ comp insurance cost for home-health agencies in Oklahoma
Published 2026-06-11 · by Brokly
- 25% of OK home-health agencies have 10–19 employees — the chart below prices every size band from its own observed payroll.
- Oklahoma sits 8th of 51: CA pays more ($3.34), ID less ($2.27).
- Workers’ comp is one of several coverages — see everything your home-health agency needs in Oklahoma →
What do Oklahoma home-health agencies pay for workers’ comp?
Modeled annual premium across the real size distribution of OK home-health agencies
bar height = how many home-health agencies are that size · figures = modeled annual cost
Cohort: size distribution of 573 OK home-health agencies (Census CBP 2023); premiums modeled from one filed rate ($2.53/$100 payroll, 2024). Bands shown cover 570 of 573 establishments (99.5%) — 3 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Home health care services (NAICS 621610)) (as of 2023, retrieved 2026-06-05)
How does Oklahoma compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 8835 (Home Healthcare), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 4 | Vermont | $3.05 |
| 5 | New York | $2.83 |
| 6 | Rhode Island | $2.71 |
| 7 | Maine | $2.58 |
| 8 | Oklahoma | $2.53 |
| 9 | Delaware | $2.48 |
| 10 | Montana | $2.42 |
| 11 | Missouri | $2.38 |
| 12 | New Hampshire | $2.36 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost home-health agencies in Oklahoma?
Modeled from the 2024 filed manual rate of $2.53 per $100 of payroll: a 10–19-employee home-health agency lands around $13k–$24k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Home-health work is NCCI class 8835 (Home Healthcare) — nurses, aides, and other staff delivering care in patients' homes; office-based healthcare classes like 8832 (Physician & Clerical) are rated separately.
Home-health agencies in nearby-ranked states: New York ($2.83) · California ($3.34) · Georgia ($2.27) · New Jersey ($4.30)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 573 Oklahoma home-health agencies; your premium depends on your payroll, claims history, and carrier.