Oscar Health Insurance Review

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Here’s a quick Oscar Health Insurance Review: Oscar Health offers Exclusive Provider Organization (EPO) plans. EPOs are similar to Preferred Provider Organization plans, however, if you visit a specialist, doctor, lab, or hospital that’s not in its network, you’ll have to pay 100% of the costs unless it’s an emergency.

Oscar Health Insurance is a relative newcomer to the health insurance scene. It was founded in 2012 and operates in 18 U.S. states. Some of the perks include no-cost virtual care and preventative care visits and financial rewards of up to $100 per year for meeting walking goals. 

The company offers Medicare Advantage Plans, health insurance plans for individuals and families and business health insurance plans, along with a variety of health insurance plans to meet many levels of healthcare requirements. 

Best For

  • Individuals who need basic medical care
  • Free preventive care including annual physicals and most vaccines
  • Virtual medical care visits

Pros

  • Up to $100 per year is available for reaching walking goals
  • No referrals needed for any plan
  • 24/7 doctor on call online visits available
  • Variety of plans to fit any level of healthcare needs or budget

Cons

  • Coverage is only available in 18 states
  • Lower deductible or no deductible plans are expensive
  • No dental or vision coverage
see how Oscar Health Insurance compares

When you’re looking for affordable health insurance, it’s nice to know you have lots of options. Years ago with just a few companies to choose from, now many are competing to be your health insurance provider. One newcomer generating positive reviews is Oscar Health. Founded in 2012, its membership is 250,000 and growing. We’ve gathered key facts and information about Oscar Health to help you decide if it’s the right plan for you. 

Oscar Health Insurance Review: Eligiblity

Oscar Health offers EPO plans and Health Savings Account plans and Medicare Advantage plans for:

  • Individuals and family members
  • Group members (employer-covered plans)
  • Members 65 and above or under 65 and disabled according to the Social Security Administration

Oscar Health offers coverage to most people looking for health care plans except low-income individuals seeking Medicaid. Currently, Oscar’s plans are available in the following states: California, Arizona, Colorado, Texas, Oklahoma, Kansas, Missouri, Michigan, Iowa, Tennessee, Georgia, Florida, North Carolina, Virginia, Michigan, Ohio, New York, Pennsylvania, New Jersey.

Oscar Health Insurance Plans

Oscar Health offers 3 types of EPO plans for individuals and families: Classic, Simple and Saver.

  • Classic: Higher in cost with lower deductibles and lower copays for prescriptions
  • Simple: Affordable copays for routine care and 100% coverage of care after you meet your maximum; copays for brand name drugs
  • Saver: You pay full price; once you’ve met your deductible, you split coinsurance costs 50-50 with Oscar. Once you’ve hit your out-of-pocket maximum, in-network services are covered in full.

Classic and Simple plans are offered in bronze, silver, and gold, with gold featuring the highest monthly premiums. When you visit its site and provide a few answers about your age, location, income and other details, you’ll see different plans and levels of coverage available. Here’s a snapshot of plan costs for a 54-year-old living in Michigan earning $60,000 with 3 children:

Plan TypeBronzeSilverGold
Classic$69 per month$580 per month$1,203 per month
Simple$35 per month$823 per monthN/A
Saver$134 per month$536 per monthN/A

All of the above plans feature these benefits:

  • Doctor on call: 24/7 online visits available
  • Step tracking rewards: Up to $100 per year based on steps recorded
  • Oscar concierge: A dedicated team of care specialists and a registered nurse
  • Preventive care: Services, tests, and consultations offered to prevent illnesses and keep you healthy
  • Full network access: Negotiated prices to hospitals, doctors and specialists who accept Oscar Health
  • No referrals necessary: With in-network providers
  • Prescriptions by phone: Refill ordering by phone without a doctor’s visit

Deductibles and out-of-pocket maximum amounts vary from plan to plan.

Oscar Health Insurance Pricing

According to data from the Kaiser Family Foundation, health insurance rates increased moderately for 2021. Families continue to search for affordable healthcare. With that in mind, take a look at how the pricing for Oscar Health Insurance measures up.

The pricing of Oscar Health Insurance plans varies greatly based on the out-of-pocket expenses and deductibles you can expect to pay. Naturally, the lower the copay and deductible, the higher the cost of your health insurance will be. The simple plan, which offers basic coverage options, costs you $1,373.14 per month on the lower end of the coverage options. The classic plan in the midlevel coverage range ranges in monthly premium from $1,381.50 to $1,770.07. The most expensive policy is the Classic Gold Plan costing $2,011.30. 

The Plan Information stated below is based on a married couple with 1 dependent child residing in the state of Texas.

Oscar Simple Plan

The Oscar Simple Plan is designed for families who need basic medical care, including annual check-ups, preventative care, primary care visits, specialists visits, mental health care and physical therapy.

Simple PlanIndividual out-of-pocket maximumFamily out-of-pocket maximumIndividual deductibleFamily deductibleMonthly premium
Basic $8,500$17,100$7,300$14,600$1,373.14

Oscar Classic Plan

The Oscar Classic Plan is designed for families who need basic medical care, including annual check-ups, preventative care, primary care visits, specialists visits, mental health care and physical therapy

Classic planIndividual out-of-pocket maximumFamily  out-of-pocket maximumIndividual deductibleFamily deductibleMonthly premium
Bronze Classic$8,550$17,100$6,000$12,000$1,381.50
Bronze Classic PCP Copay$8,550$17,100$6,000$12,000$1,418.02
Bronze Classic Next*This plan includes Rx deductible of $5,550 for individual and $11,000 family$8,550$17,100$0$0$1,679.45
Bronze HDHP$7,000$14,000$5,200$10,400$1,475.92
Silver Classic Off-Ex$8,500$17,100$5,000$10,000$1,537.32
Silver HDHP$7,000$14,000$3,000$6,000$1,542.99
Silver $1500 Deductible$8,550$8,550$1,500$3,000$1,770.07

Oscar Classic Gold Plan

For individuals and families with high medical needs, the Oscar Gold Classic Plan offers comprehensive care ideal for those who require medical care frequently. Members who sign up with the Class Gold Plan receive annual checkups, preventative care, primary care visits, specialists visits, mental health care and physical therapy.

Classic Gold PlanIndividual out-of-pocket maximumFamily out-of-pocket maximumIndividual deductibleFamily deductibleMonthly premium
$6,000$12,000$2,500$5,000$2011.30

Oscar Saver Plan

Oscar’s Saver Plan is designed for individuals and families with occasional medical needs, including annual checkups, preventative care, primary care visits, specialists visits, mental health care and physical therapy.

Saver PlanIndividual out-of-pocket maximumFamily out-of-pocket maximumIndividual deductibleFamily deductibleMonthly premium
$8,550$17,100$6,200$12,400$1,859.63

Benzinga gives Oscar Health Insurance a 3 out of a 5-star rating on the price of its plans, with 5 being the highest. Oscar falls midrange on pricing. While it is not the most expensive health insurance, it is also not the cheapest. 

Oscar Health Insurance vs Competitors

According to data from the Kaiser Family Foundation, health insurance rates increased moderately for 2021. Families continue to search for affordable healthcare. With that in mind, take a look at how the pricing for Oscar Health Insurance measures up.

The pricing of Oscar Health Insurance plans varies greatly based on the out-of-pocket expenses and deductibles you can expect to pay. Naturally, the lower the copay and deductible, the higher the cost of your health insurance will be. The simple plan, which offers basic coverage options, costs you $1,373.14 per month on the lower end of the coverage options. The classic plan in the midlevel coverage range ranges in monthly premium from $1,381.50 to $1,770.07. The most expensive policy is the Classic Gold Plan costing $2,011.30. 

Here is a cost comparison based on a health insurance quote for a married Texas couple in their 50s with 1 teenage child with a deductible ranging from $2,500 to $5,000. 

CompanyFriday Health Plans Blue Cross and Blue Shield of Texas Oscar Insurance Corp.Blue Cross and Blue Shield of Texas
Price$1,547.99/mo$1,593.29/mo$1,714.23/mo$2,295.85/mo
Metal levelGoldGoldSilverSilver
Plan typeExclusive provider organization (EPO)Health maintenance organization (HMO)EPOHMO
Deductible$2,300 per person ($4,600 per family)$1,100 per person ($3,300 per family)$1,500 per person ($3,000 per family)$1,250 per person ($3,750 per family)
Coinsurance20%30%50%50%
Out-of-pocket limit$8,250 per person ($16,500 per family)$8,550 per person ($17,100 per family)$8,550 per person ($17,100 per family)$8,550 per person ($17,100 per family)
get started Call Now securely through Oscar Health Insurance’s website
# of Healthcare Providers
N/A
Online Application?
N/A
1 Minute Review

Here’s a quick Oscar Health Insurance Review: Oscar Health offers Exclusive Provider Organization (EPO) plans. EPOs are similar to Preferred Provider Organization plans, however, if you visit a specialist, doctor, lab, or hospital that’s not in its network, you’ll have to pay 100% of the costs unless it’s an emergency.

Oscar Health Insurance is a relative newcomer to the health insurance scene. It was founded in 2012 and operates in 18 U.S. states. Some of the perks include no-cost virtual care and preventative care visits and financial rewards of up to $100 per year for meeting walking goals. 

The company offers Medicare Advantage Plans, health insurance plans for individuals and families and business health insurance plans, along with a variety of health insurance plans to meet many levels of healthcare requirements. 

Best For
  • Individuals who need basic medical care
  • Free preventive care including annual physicals and most vaccines
  • Virtual medical care visits
Pros
  • Up to $100 per year is available for reaching walking goals
  • No referrals needed for any plan
  • 24/7 doctor on call online visits available
  • Variety of plans to fit any level of healthcare needs or budget
Cons
  • Coverage is only available in 18 states
  • Lower deductible or no deductible plans are expensive
  • No dental or vision coverage
Best For
Retired seniors older than 50
N/A
1 Minute Review

AARP is not an insurance company. It is a nonprofit retirement membership club. AARP does not write insurance coverage, but it does provide retirees with a one-stop shop for all their insurance needs. 

Multiline discounts are available for U.S. citizens older than 50. For example, the AARP Mastercard rewards card allows members to collect points for travel rewards. In addition, membership is only $9 per year with automatic renewal and includes a free spouse or partner membership.

Best For
  • Retired seniors older than 50
  • Seniors seeking policy perks
  • Those who plan to purchase multiple lines of coverage
Pros
  • Multiple lines of coverage available
  • Policy perks like discounts for entertainment and travel
  • Low membership fees, which include membership for a spouse
Cons
  • Members may receive unsolicited advertising materials
  • Health insurance may not be the least expensive, especially for seniors in good health
# of Healthcare Providers
700k+
Online Application?
Yes
1 Minute Review

In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.

Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals. 

 

Best For
  • Member support
Pros
  • Offers multiple mobile app offerings to reward you for reaching fitness goals
  • Dental discount plans may include coverage for prescription drugs
  • Medicare Advantage plans available with no monthly premiums
Cons
  • Vision insurance only available when purchased with a dental plan
  • ACA-compliant health insurance no longer available
get started Call Now securely through Blue Cross Blue Shield’s website
# of Healthcare Providers
28k+
Online Application?
Yes
1 Minute Review

Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.

While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances. 

Best For
  • Desire for a new doctor with plenty of options
  • No cap on annual maximum limits
  • Comprehensive coverage with exclusive discounts and partnerships
Pros
  • Coverage in all 50 states and outside the country
  • Covers both generic and brand-name drugs
  • Wide network of doctors, hospitals and specialists
Cons
  • Plans offered through regional companies, meaning you must look to your regional company for specific policies
  • Main customer service helpline may be difficult to reach
# of Healthcare Providers
875k+
Online Application?
Yes
1 Minute Review

Cigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.

The four-metal tier coverage plans include:

  • Bronze
  • Expanded bronze
  • Silver
  • Gold

Individual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.

Best For
  • Easy access to benefits
  • Pharmacy programs
  • Savings and spending accounts such as HSA and FSA
  • Supplemental plans
Pros
  • Home delivery for prescriptions
  • Health management mobile apps
  • Easy ID card replacement
Cons
  • Potentially high deductibles
  • Not available in all 50 states
get started securely through Mutual of Omaha – Health Insurance’s website
# of Healthcare Providers
855k+
Online Application?
Yes
1 Minute Review

UnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.

Best For
  • People who want flexibility in their health care coverage
  • People who want supplemental insurance coverage
  • People who qualify for both Medicare and Medicaid
Pros
  • Offers a wide variety of plans
  • Strong financial and customer service ratings
  • ACA and non ACA plans available
Cons
  • Not all plans ACA-compliant
  • The website can make it difficult to get a quote

Oscar Health Insurance Customer Service

We give Oscar Health Insurance a 3 out of a 5-star rating in the area of customer service. The company has received both positive and negative reviews online. Customer reviews on the Better Business Bureau (BBB) website are primarily negative, with an average 1.38 out of a 5-star customer service rating. The majority of the BBB complaints were in the area of billing and collections issues. 

The National Association of Insurance Commissioners (NAIC) scores Oscar Health Insurance (Minnesota, Missouri, Tennessee, Texas and Virginia)  with a 4.83. This index compares the complaints received against other companies in the same market. It received a 1 on the National Complaint Index, meaning the complaint index for Oscar Health Insurance in the states listed is almost 5 times higher than other health insurers in the same market.

However, other websites such as BestCompany.com give the company a 3.3 out of a 5-star overall rating with a service rating of 4 out of 5 stars. 

Oscar Health Insurance Mobile App

Oscar does not disappoint with its mobile app, and Benzinga gives it its highest rating — 5 out of 5 stars. The app is convenient and gives policyholders a seamless experience. A member can use the app at any time of the day or night to enter illness or condition and be provided with a toll-free phone number to call or a visit to a doctor, including the estimated cost of service. This is what today’s health insurance consumer is looking for — quick and convenient service. 

Oscar Health Insurance Overall Rating

Benzinga gives Oscar Health Insurance a 3 out of 5-star overall rating. The company is a fairly new health insurer but has built a solid reputation in the area of online service for customers and a convenient mobile application. 

Oscar Health Insurance is ahead of its competitors in the area of telemedicine. The Doctor on Call free service is a favorite of customers. Members can call and speak with a doctor over the phone, receive a diagnosis and have the physician call in a prescription to a local pharmacy. 

Although pricing is higher than some of its competitors, the company does offer health cash incentives for members who adopt health behaviors that can help reduce the overall cost of healthcare.

Shop Around for Health Insurance

Shopping for a new health plan is just as important as looking for a new home or car. You wouldn’t make a major purchase without considering the pros and cons, your needs, pricing and overall value. Although Oscar Health Insurance Company plans have garnered positive reviews, there are hundreds of other insurance plans on the market, all competing for your business. Talk to family members and friends about their plans and narrow your list down to a few top contenders. 

Choosing a new health insurance plan will impact your health and well-being for years to come, so take extra time to decide. Visit healthcare.gov to learn more about insurance options.

Frequently Asked Questions

Q

What is the average cost of an Oscar Health Insurance policy?

1
What is the average cost of an Oscar Health Insurance policy?
asked
A
1

The average premium when factoring in all available Oscar Health Insurance plans is approximately $1,600 per month.

answered
Q

How do I get set up with my new Oscar plan?

1
How do I get set up with my new Oscar plan?
asked
A
1

You can buy an individual health insurance plan through Oscar Health Insurance during the open enrollment period, which may vary by state. You can read more about the open enrollment process at https://www.hioscar.com/blog/the-ins-and-outs-of-open-enrollment

answered

How do you like Oscar Health Insurance?




User Reviews

VLC

Tell Us Your Experience With "Oscar Health Insurance"

Cannot recommend. Rx coverage sucks. Have to upload med records for review or see an Oscar virtual doc. A joke.

VLC

Tell Us Your Experience With "Oscar Health Insurance"

Pro: ease of seeing specialist.

Tim Callahan

Tell Us Your Experience With "Oscar Health Insurance"

Stay away from Oscar! Worst customer service ever. I had Oscar Health Insurance through Covered California from 2020-2021. They wrongfully terminated my coverage, and I had to appeal to the California Department of Managed Healthcare to get my coverage re