Oscar Health is a technology-focused health insurance company that provides Individual & Family health insurance plans, primarily through the Affordable Care Act (ACA) Marketplace. The company was founded in 2012 and has built its healthcare experience around digital tools, personalized support and simplified access to healthcare. For 2026, Oscar announced that its health insurance experience would be available across 573 counties in 20 states, including expansions into Alabama and Mississippi.
Oscar offers several plan tiers, including Bronze, Silver and Gold plans. Bronze plans generally have lower monthly premiums but higher out-of-pocket costs, while Gold plans generally have higher premiums and lower cost-sharing. Silver plans sit between the two and may be particularly relevant for eligible Marketplace customers receiving cost-sharing reductions.
One of Oscar's key differentiators is its emphasis on digital healthcare. Members can use Oscar's online tools and Care Team to understand their coverage, find in-network doctors and navigate their healthcare. Eligible members can also receive $0 virtual urgent care, while preventive services are available at no cost when covered under applicable plans and requirements.
For 2026, Oscar has also introduced technology and specialized healthcare programs. Oswell, Oscar's personal health AI agent, can help members understand medications, common test results, prescription refills, drug interactions and other health-plan questions. Oscar has also introduced condition-focused plans for certain conditions and HelloMeno, a specialized menopause-focused plan in selected markets.
Oscar also reports an NPS score of 69, which it says reflects strong member satisfaction. However, customers should remember that plan availability, provider networks, premiums, deductibles, copayments and covered services vary by location and individual policy. Before enrolling, customers should verify that their preferred doctors, hospitals and prescriptions are covered by the specific plan available in their ZIP code.
