Insurance affordability is becoming a growing concern for Oklahoma families as premiums rise across health, homeowners and auto coverage, with little action from Congress to slow the increases.

Lawmakers and policy advocates say insurance costs are rising faster than many households can afford, forcing families to choose between keeping coverage, accepting higher deductibles or dropping insurance altogether.

Health insurance premiums remain a particular concern as Oklahoma continues to rank near the bottom nationally for overall health outcomes, increasing the stakes for families who rely on consistent coverage.

Frustration with federal inaction

During recent discussions on Your Vote Counts, state leaders expressed frustration that Congress left Washington for the holiday recess without advancing legislation aimed at stabilizing insurance markets or easing premium increases.

Federal officials had previously discussed proposals to offset rising costs, including direct payments to consumers, but no agreement was reached before the recess.

Rising costs across all coverage types

Rising costs are not limited to health coverage. Homeowners and auto insurance premiums have also climbed sharply, driven by inflation, higher repair costs and an increase in insurance claims nationwide.

Some lawmakers fear the cumulative impact could push more Oklahomans out of the insurance market entirely, particularly younger adults who may choose to go without coverage.

Watch part 2 of Your Vote Counts in the player below

• Miami upset Texas A&M in a defensive battle, securing a significant win for the ACC in the College Football Playoff.
• Alabama overcame a 17-point deficit to defeat Oklahoma, setting up a Rose Bowl matchup against No. 1 Indiana.
• Oregon and Mississippi easily defeated their Group of Five opponents to advance to the quarterfinals.

No. 9 Alabama finally solved Brent Venables and No. 8 Oklahoma, No. 10 Miami won a defensive slugfest at No. 7 Texas A&M and No. 5 Oregon and No. 6 Mississippi had no trouble against the Group of Five to round out the opening round of the College Football Playoff.

While the Crimson Tide took the all-SEC matchup, then win by the Hurricanes in College Station is a feather in the cap for the ACC after the conference was nearly left out of the tournament entirely. In the end, Miami did what Notre Dame could not and beat the Aggies — and on the road, no less.

The two upsets in the opening round came after all four favorites held serve to open last year’s 12-team playoff debut.

As a gift for beating the Sooners, the Crimson Tide will face off in the Rose Bowl against No. 1 Indiana. Over in the Cotton Bowl, No. 2 Ohio State will take on Miami. The Sugar Bowl will feature another SEC rematch with the Rebels taking on No. 3 Georgia, while No. 4 Texas Tech will face Oregon in the Orange Bowl.

Before heading to the quarterfinals, let’s break down why the ACC and Oklahoma lead the biggest winners and losers from the opening round:

Winners

The ACC

We touched on why this win means so much to the ACC: Duke won the conference with five losses and James Madison cruised to the Sun Belt title after Miami remained behind Notre Dame in the penultimate playoff rankings. There was a strong possibility the conference would not have a single team in the 12-team bracket. Still, the Hurricanes were a late and controversial addition to the field despite topping the Irish during the regular season. While not changing the fact the ACC was the weakest of the Power Four leagues during the regular season, to have Miami become the first team to beat A&M in College Station this year should be a huge confidence booster for the conference.

Miami

Miami ran for 175 yards on 6.3 yards per carry and was the tougher and more physical team in its 10-3 rock fight against A&M. Nearly every inch of the yardage belonged to running back Mark Fletcher Jr., who had 172 yards on 17 carries, including a 56-yard scamper during a fourth-quarter touchdown drive that broke a 3-3 tie. Defensively, the Hurricanes gave up 4.3 yards per play and delivered three key takeaways, including an interception in the end zone with 24 seconds left to seal the win. There’s still plenty to work on: Miami’s passing game sputtered, though Carson Beck did avoid any giveaways, and the kicking game made just one of four field goals. That won’t cut it against the Buckeyes.

Kalen DeBoer

It’s extremely easy to think about how the Alabama fan base would’ve turned on DeBoer had the Tide not tied for the largest comeback in playoff history by digging out of a 17-0 deficit in the second quarter. Another loss to Oklahoma might’ve even been enough to convince DeBoer to at least take a look at the Michigan opening, given the chance for a reboot in the Big Ten. But after missing the playoff entirely last year, DeBoer and Alabama nailed down a much-needed postseason win and can begin evaluating the nation’s only unbeaten team in the Hoosiers.

Oregon and Mississippi

Neither team broke a sweat, unless you count the roughly quarter-long span against Tulane where the Rebels treaded water after jumping out to an early lead. The Rebels’ owned the second half of a 41-10 win against the Green Wave while Oregon was all over James Madison from the start of a 51-34 romp. As expected, the feel-good underdog stories the Green Wave and Dukes brought to the table didn’t quite translate when lined up across from two of the most talented teams in the Power Four. For the first time in the 12-team era, we’ll see how playing a Group of Five team in the opening round prepares the winner for a top-four opponent in the quarterfinals.

Pete Golding

So far, so good for the new Rebels coach. Making his debut in the opening round against Tulane, Golding pushed the right buttons out of the gate to help Ole Miss spring out to a 14-0 lead in the first quarter. While things stagnated through the first half, with Ole Miss ahead 17-3, halftime adjustments sparked a 27-0 run coming out of the break to put the Green Wave away. A bigger test awaits in New Orleans.

Losers

The road to the national championship began Friday night in Norman with the Alabama Crimson Tide facing a significant early test against the Oklahoma Sooners.

Alabama Crimson Tide head coach Kalen DeBoer saw his team fall into a massive hole early in the first half of this College Football Playoff first-round matchup. The atmosphere was electric and hostile as the home team jumped out to a quick lead that threatened to end the season for the visitors right out of the gate.

Alabama quarterback Ty Simpson and the rest of the offense struggled to find rhythm during the opening quarter while the defense had trouble containing Oklahoma quarterback John Mateer. The scoreboard read 17-0 in favor of the Sooners midway through the second quarter and left the crowd in a frenzy. It appeared the momentum had fully swung toward the home sideline before a sudden shift changed the trajectory of the game entirely.

A furious rally sparked by the defense and special teams helped the Crimson Tide score 27 unanswered points to stun the crowd. Simpson found Alabama freshman receiver Lotzeir Brooks for crucial scores while Alabama defensive back Zabien Brown provided a spark with a defensive touchdown. The 34-24 victory secured a spot in the quarterfinals and drew high praise the following morning from a legendary figure in the program’s history.

Former coach praises resilience shown by Alabama in playoff win

The turnaround began when the Crimson Tide defense tightened up and forced mistakes from an Oklahoma offense that had been dominating early. Brown stepped in front of a pass from Mateer and returned it 50 yards for a touchdown to tie the game before halftime.

The Alabama defense held strong in the second half while the offense found its footing. Brooks finished the night with five catches for 79 yards and two touchdowns after not finding the end zone during the regular season.

Special teams played a massive role in the comeback as well. Alabama defensive lineman Tim Keenan III blocked a punt that set up a field goal to cut into the deficit. Meanwhile Oklahoma kicker Tate Sandell struggled down the stretch.

Sandell had connected on a 51-yard field goal earlier in the game but missed two crucial kicks in the fourth quarter that would have kept the Sooners alive. The collapse allowed Alabama to bleed the clock and secure the victory.

On Saturday morning on ESPN’s College GameDay, former Alabama Crimson Tide head coach Nick Saban shared his thoughts on the gritty performance. Saban highlighted the mental toughness required to win in such a loud environment.

“Well, you know, I said they’re going to have the heart of a lion to be able to sustain in that atmosphere, but they drove through the smoke and ‘Baby, I feel good. I knew that I would,’” Saban said while (poorly) singing the famous hook to James Brown’s hit I Feel Good.

Saban admitted it was difficult to predict a Crimson Tide victory given the circumstances in the stadium.

“It was a great win for Alabama. And I’m so proud of that team because that atmosphere was something, man,” Saban said. “And it was hard to sit there and pick Alabama last night sitting in that stadium knowing the energy in that stadium. But sometimes, I think the emotion of the game can work against you. You know Oklahoma was really way up here but as the game went on you could see that that emotion didn’t sustain.”

The Alabama Crimson Tide will face the Indiana Hoosiers in the Rose Bowl on Wednesday, Jan. 1.

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