Oscar Health, Inc. • Est. 2012 • New York, NY
Oscar Health Health Insurance
4.0 / 5 — tech-forward, good member experience
Oscar Health is a technology-driven health insurance company founded in 2012. They focus on a seamless member experience through their app, concierge care teams, and $0 virtual urgent care. Available in select markets.
Available plans
- Oscar Simple (Bronze)
- Oscar Classic (Silver)
- Oscar Secure (Gold)
- Oscar Plus (Gold+)
States where Oscar Health offers marketplace plans
Pros & cons
Advantages
- $0 virtual urgent care visits — unlimited telehealth on all plans
- Dedicated Care Team (concierge) helps navigate the system
- Best-in-class mobile app for ID cards, claims, and finding doctors
- Competitive Silver and Gold premiums in many markets
- Step Rewards program pays members for walking
Drawbacks
- Not available nationwide — concentrated in major metro areas
- Networks can be narrow, especially outside major cities
- Newer company — less track record than BCBS or UHC
- Some markets have had availability/exit issues
Best for
Tech-comfortable buyers in major metro areas who value a great app experience, virtual care, and a concierge team — especially younger, healthier members.
Consider alternatives if…
You live in a rural area (likely not available), prefer phone-based customer service, or need a very broad in-person network.
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Oscar Health's 2026 Marketplace Footprint (Real Data)
Across the 30 states in our 2026 CMS marketplace dataset, Oscar Health files 5,516 plan options in 14 states and 427 counties. Full-price premiums for a 40-year-old run from $300 to a median of $608 per month before subsidies, with deductibles starting around $0.
Plan types offered: EPO (3,545), HMO (1,803), PPO (168). Plan type determines out-of-network access, so check which types Oscar Health actually offers in your county rather than assuming statewide consistency.
States where Oscar Health files marketplace plans (2026): Alabama, Arizona, Florida, Iowa, Kansas, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Tennessee, Texas. Availability is set county by county — presence in a state does not mean presence in your ZIP code's rating area.
Frequently Asked Questions
Which states does Oscar Health offer marketplace plans in for 2026?
In the 30-state CMS dataset we reviewed for 2026, Oscar Health files marketplace plans in 14 states: Alabama, Arizona, Florida, Iowa, Kansas, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Tennessee, Texas. Availability is decided county by county, so operating in a state does not mean plans are offered in every county.
How much does Oscar Health cost per month?
Full-price Oscar Health premiums for a 40-year-old range from about $300 to a median near $608 per month before subsidies, based on 2026 CMS marketplace data. Premium tax credits frequently reduce the net cost substantially, and price varies by age, county rating area, and metal tier.
What plan types does Oscar Health offer?
Oscar Health's 2026 marketplace filings include EPO (3,545), HMO (1,803), PPO (168). Plan type governs out-of-network access and referral rules, so confirm which type is available in your county before enrolling.
Is Oscar Health a good choice?
It depends entirely on whether your doctors and hospital are in the specific plan's network in your county, not on the carrier's brand. Verify participation for the exact plan you are considering — carriers run multiple networks, and a carrier that is excellent in one county can be a poor fit one county over.
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