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Health insurance made for real life

We don’t just offer health insurance. We make sure it’s affordable, easy to understand, and covers the care you really need, whenever you need it. And yes, some of our plans start at $0.¹
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People love Oscar

We have an NPS score of 69, which means members are pretty happy with us. (We don’t like to brag, but we’re proud that our customers rate us 21x higher than the industry average.)²

“Oscar really helped me navigate a sensitive health situation”

David R.Âł

“Everyone that I’ve interacted with at Oscar has been wonderful”

Amanda W.

“The app was very simple and it allowed me to understand quickly my insurance benefits”

Luke V.

Get convenient, affordable care with Oscar

OE26 touts preventative

$0 preventive care

Preventive screenings, flu shots & annual check-ups are part of the plan.

Take a closer look
Great providers near you Get quality care from Oscar’s network of doctors, hospitals, and clinics nearby.

Explore the network

Great providers near you

Get quality care from our network of doctors, hospitals, and clinics nearby.

Explore the network
Condition plans

Condition plans

Gain support for conditions like diabetes, menopause, & COPD.

Find out more
A supportive Care Team - Your Care Team will help navigate your plan, find in-network doctors, & more.

Learn more



A supportive Care Team

Your Care Team will help navigate your plan, find in-network doctors, & more.

Learn More
Virtual care, anywhere Enjoy $0 Virtual Urgent Care from your home, at work, or on-the-go.4

See how it works



Virtual care, anywhere

Enjoy $0 Virtual Urgent Care from your home, at work, or on-the-go.⁴

See how it works
Shopping from diverse local markets means they get coverage on their terms.

Unlock great rewards

Earn rewards for completing simple tasks to make the most of your plan.

Check it out

Enroll by Dec 15 for coverage beginning Jan 1

Questions about our plans or ready to enroll? Just call us Monday - Friday 8 am - 8 pm ET. If you work with a broker, reach out to them for assistance.
Shop plans
Call (855) 951-1159
OE 2026 | Introduction Module Image

Choosing the right plan tier for your life

Illustration of a bronze badge representing Oscar's Bronze Plan tier

Bronze Plan

Lower premium & higher-out-of-pocket expenses

60% of covered health costs paid by Oscar, 40% paid by you. Great choice if you don’t expect to use your plan often, but still want coverage to protect you.

Illustration of a silver badge representing Oscar's Silver Plan tier

Silver Plan

Moderate premium & out-of-pocket expenses

70% of covered health costs paid by Oscar, 30% paid by you. Great choice if you’re willing to pay a slightly higher monthly premium to get more care covered.

Illustration of a gold badge representing Oscar's Gold Plan tier

Gold Plan

Higher premium & lower out-of-pocket expenses

80% of covered health costs paid by Oscar, 20% paid by you. Great choice if you seek care regularly and want more covered.

Get guidance from a licensed agent

We’re happy to help you find the right plan for whatever you need. (And there’s no cost for the support!)

Call (855) 951-1159
FootnotesOscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.HMO products are offered by Oscar Insurance Corporation and Oscar Buckeye State Insurance Corporation in Ohio, Oscar Health Plan, Inc. in Arizona and Illinois, Oscar Health Plan of Pennsylvania, Inc in Pennsylvania, Oscar Health Plan of Georgia in Georgia, Oscar Health Plan of North Carolina, Inc. in North Carolina, Oscar Managed Care of South Florida, Inc. in Florida, Oscar Health Plan of New York, Inc. in New York, and Oscar Managed Care in Texas. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs, and complete details of coverage, contact a licensed agent or Oscar sales representative.1 Oscar health plans with a $0 premium option are not available in all service areas. Subsidy eligibility for these plans is based on federal annual income guidelines.2 The health insurance industry has an average net promoter score of 3, according to Forrester research. Oscar’s NPS score is 66 as of January 1, 2025.3 Former Oscar member.4 Oscar’s Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible high-deductible health plan or a Secure plan, you won't be eligible for $0 visits. Prescriptions, visits and services may be limited per provider discretion.5 In New Jersey, and Virginia, enroll by 12/31 for coverage on 1/1.