Reynolds, who suffered a kidney injury in the Bedlam game against Oklahoma State, has been hospitalized for the last week.
Williams is battling a neck injury, while Ripkowski has a back injury.
"We've had some significant injuries over the last half of the season," Stoops said. "But this is an opportunity for other players. We're excited about our trip to Tempe and the opportunity we've got to reach 10 wins."
The Sooners have already been without star slot receiver Ryan Broyles, the all-time NCAA career receptions leader, and running back Dominique Whaley for several weeks.
Both tore their ACLs earlier in the season.
OU will face Iowa in the Insight Bowl at 9 p.m. CT Dec. 30.
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NORMAN, Okla. — In a season that's been marred by major injuries, the news got a whole lot worse Saturday, as head coach Bob Stoops released a statement that wide receiver Jaz Reynolds, running back Brandon Williams and fullback Aaron Ripkowski will miss the Insight Bowl.
WR Jaz Reynolds is among three offensive players OU will be without when it faces Iowa Dec. 30.
WR Jaz Reynolds will miss the Insight Bowl.