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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