Orlando Harmon
Oscar Health Insurance is a health insurance company formed in 2012 in the wake of the Affordable Care Act (ACA). It provides health insurance to those who do not qualify for Medicaid, Medicare, or employer benefits. The company offers individual, family, and child-only plans with benefits such as free doctor visits, free generic medicine, and more than 75 free practical care services. Oscar health insurance plans are available in New York, California, Texas, and New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan, Virginia, Pennsylvania, Georgia, Illinois, North Carolina, and South Florida. The average monthly cost for a 30-year-old is $162.09 for the secure plan, with a deductible of $7,900.
| Characteristics | Values |
|---|---|
| Year of Formation | 2012 |
| Target Group | Those who do not qualify for Medicaid, Medicare, or employer benefits |
| States Available | New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, Michigan, Virginia, Pennsylvania, Georgia, Illinois, North Carolina |
| Plan Types | Individual, family, and child-only plans |
| Benefits | Free visits to the doctor, free generic medicine, free practical care services, discounted brand-name medications, cash rewards for fitness goals |
| Plan Tiers | Platinum, gold, silver, and bronze |
| Average Monthly Cost | $162.09 for a 30-year-old |
| Deductible | $7,900 |
| Features | Online app, doctor on-call service, $3 prescriptions, virtual urgent care, autopay |
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What You'll Learn
Oscar Insurance is for those who don't qualify for Medicaid
Oscar Insurance was formed in 2012 in the wake of the Affordable Care Act (ACA). It was designed with a specific group in mind: those who do not qualify for Medicaid, Medicare, or employer benefits. The company aims to provide benefits that are easy to understand and quality care that saves both time and money. Oscar offers a range of health insurance plans, including EPO plans, with different tiers of coverage. Their plans are available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, Michigan, Virginia, Illinois, Pennsylvania, Georgia, and North Carolina.
Oscar's health insurance plans include benefits such as free visits to the doctor, free generic medicine, and more than 75 free practical care services, such as flu and immunization shots, and pregnancy screenings. Oscar plans also feature other cost-saving benefits, such as discounted brand-name medications and urgent care visits, as well as incentives for meeting fitness goals. The average monthly cost for a 30-year-old is $162.09 for the secure plan, with a deductible of $7,900. Oscar also offers $3 prescriptions for a 30-day supply of medication, although this may not be available in all states or plan types.
Oscar Insurance has received positive ratings for its customer service, with users finding the online app and doctor-on-call service helpful. The company provides a Care Team dedicated to answering questions and helping members find quality care in their area. Oscar also offers a range of insurance options for individuals, families, and small business owners, with personal service at no additional cost.
Overall, Oscar Insurance provides a valuable alternative for those who do not qualify for Medicaid or other government-provided healthcare options. With its focus on affordability, accessibility, and customer service, Oscar aims to make high-quality healthcare more attainable for those who may otherwise struggle to access it. By offering a variety of plans and coverage options, Oscar allows individuals and families to find a plan that best suits their unique needs and budgets.
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Oscar Insurance offers EPO plans
Oscar Insurance was formed in 2012 in the wake of the Affordable Care Act (ACA). The company was designed with a specific group in mind: those who do not qualify for Medicaid, Medicare, or employer benefits. Oscar offers health insurance plans for individuals, families, and employers, including EPO plans.
EPO plans, or Exclusive Provider Organization plans, are a type of health insurance plan that allows you to access a network of healthcare providers who have agreed to provide services at a discounted rate. With an EPO plan, you can typically choose any provider within the network without needing a primary care physician's referral. This gives you more flexibility in choosing your healthcare providers compared to other types of plans, such as HMO (Health Maintenance Organization) plans.
Oscar's EPO plans are available in select markets, including Northern and Central Florida. On these plans, there may be a cost share associated with your visit. Oscar's EPO plans offer a range of benefits, including $3 prescriptions for a 30-day supply of medication. However, it's important to note that $3 prescriptions may not be available in all states or with all plan types.
Oscar's EPO plans also provide access to Oscar Primary Care, which is available to members aged 18 and older. Oscar Primary Care providers are employed by Oscar Medical Group and are separate from the insurance company and its plan affiliates. Prescriptions, visits, and services with Oscar Primary Care may be limited and are at the provider's discretion. In-person visits with Oscar Primary Care may have a copayment, and you must be in your home state at the time of any virtual visits due to medical licensing laws.
Oscar Insurance offers a range of affordable health insurance plans, including EPO plans, to meet the unique needs of individuals, families, and small business owners. With a focus on providing quality care that conserves time and money, Oscar Insurance provides benefits such as free doctor visits, free generic medicine, and cost-saving features like discounted brand-name medications.
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Oscar Insurance is available in select states
Oscar Insurance is a health insurance company formed in 2012. It was designed for those who do not qualify for Medicaid, Medicare, or employer benefits. The company offers health plans from all four metal tiers: platinum, gold, silver, and bronze. Oscar Insurance is available only in select states, including New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.
In 2025, Oscar Primary Care is available in Texas, New York, Florida, Arizona, Georgia, and Oklahoma. Oscar Primary Care is only available to members aged 18 and above. Prescriptions, visits, and services may be limited and are subject to the provider's discretion. Due to medical licensing laws, members must be in their home state at the time of their virtual visit.
Oscar ACA plans are available on the Federal Marketplace and various state exchanges. Oscar currently offers individual and family plans in 18 states, with plans available in select counties within each state. These states include Arizona, Florida, Georgia, Kansas, Iowa, Illinois, Michigan, Missouri, New Jersey, North Carolina, New York, Nebraska, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia.
Oscar Insurance has several options for health insurance, based on the different tiers that marketplace insurers use. The average monthly cost for a 30-year-old is $162.09 for the secure plan, with a deductible of $7,900. Oscar Insurance is a reliable company with positive ratings in customer service. Members find the online app and doctor-on-call service helpful.
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Oscar Insurance has four metal tiers
Oscar Insurance was formed in 2012 in the wake of the Affordable Care Act (ACA). It was designed for those who do not qualify for Medicaid, Medicare, or employer benefits. Oscar Insurance offers health plans from all four metal tiers: platinum, gold, silver, and bronze. These plans are available in the states of New York, New Jersey, California, and Texas.
The four metal tiers differ in terms of their premiums and out-of-pocket costs. Bronze plans, for example, have the lowest premiums but the highest out-of-pocket costs and deductibles. On the other hand, platinum plans have the highest deductibles but the lowest out-of-pocket costs.
Oscar Insurance's plans include benefits such as free visits to the doctor, free generic medicine, and more than 75 free practical care services, including flu shots, immunizations, and pregnancy screenings. Oscar plans also offer cost-saving benefits, such as discounted brand-name medications and urgent care visits, as well as cash rewards for meeting fitness goals.
Oscar Insurance provides coverage in three types of health insurance markets: individual and family, group, and Medicare Advantage. Their plans cover preventive care at no cost when visiting an in-network doctor. This includes annual check-ups, screenings, vaccines, and more. Oscar also offers a $0 virtual urgent care service and, in some places, $0 primary care.
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Oscar Insurance has positive customer ratings
Oscar Insurance, founded in 2012, offers a range of health insurance options, including EPO plans and small-group insurance for businesses with up to 50 employees. Their plans are available in select states, including New York, California, Texas, New Jersey, Ohio, Michigan, Florida, Arizona, and Tennessee. Oscar's health insurance plans are designed to be easy to understand, offering benefits such as free doctor visits, free generic medicine, and practical care services.
While Oscar Insurance has received positive customer ratings in certain areas, overall, the company has a mixed reputation when it comes to customer satisfaction. On the one hand, Oscar has been praised for its user-friendly mobile app, Doctor on Call service, and responsive customer service. Many customers have appreciated the convenience and ease of use that the Oscar app provides, including clear steps for signing up, understanding payments and coverage, and scheduling virtual health visits. The Doctor on Call feature, in particular, has been highlighted as a time-saving alternative to urgent care visits.
Additionally, some customers have expressed satisfaction with Oscar's customer service, noting quick response times, helpful guidance, and support from the Care Team. Oscar's participation in the marketplace and their willingness to intervene with providers to resolve billing disputes have also been positively mentioned.
However, Oscar Insurance has also received a significant number of negative reviews and complaints, with sources indicating that the company gets approximately three and a half times as many complaints as the average health insurance company of its size. Common issues mentioned in 1-star reviews include difficulties with communication, finding in-network doctors, scheduling appointments, billing disputes, and denied claims. Some customers have shared frustrating experiences with Oscar representatives, alleging that the company denies coverage for necessary medical procedures and medications, leading to potential health risks and financial burdens.
Overall, while Oscar Insurance has received positive ratings for its mobile app and customer service from some users, it also faces substantial criticism for its plan quality, customer satisfaction, and high prices. Prospective customers are advised to pay attention to reviews and experiences from customers in their specific area before enrolling in an Oscar health plan.
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Frequently asked questions
Oscar Health Insurance is a company that provides health insurance plans to individuals, families, and small business owners. They offer plans from all four metal tiers (platinum, gold, silver, and bronze) and are currently available in 12 states.
No, Oscar Health Insurance is not Medicaid. Oscar was designed for those who do not qualify for Medicaid or other government-provided insurance programs.
Oscar Health Insurance offers benefits such as free doctor visits, free generic medicine, and more than 75 free practical care services. They also provide cost-saving benefits like discounted brand-name medications and cash rewards for meeting fitness goals.
The cost of Oscar Health Insurance plans varies depending on the individual. However, the average monthly cost for a 30-year-old is $162.09 for the secure plan, with a deductible of $7,900.
To cancel your Oscar Health Insurance plan, you can call them directly at 1-855-672-2788 or cancel through your account at healthcare.gov or your state's health exchange marketplace.
