Oscar Health Insurance Review (2026)

Oscar provides Bronze, Expanded Bronze, Silver, and Gold plans across HMO, EPO, and PPO network types. HMO plans are available at all four metal levels and have lower premiums but require referrals for specialist care and limit coverage to in-network providers. EPO plans also span these metal tiers but add Catastrophic options, allowing members to see specialists without referrals while still requiring in-network care. PPO plans are available at the Expanded Bronze, Silver, and Gold levels only, providing the most flexibility with access to out-of-network providers at higher costs.

Oscar operates in 20 states with a total of 301 plans, though plan availability varies by location. Texas has the widest range of options, with HMO, EPO, and PPO plans, while Ohio has the highest number of individual plans, featuring 32 HMO options. Because most states only have one network type, your plan choices will depend heavily on where you live. Be sure to confirm Oscar’s availability in your area before comparing coverage features and costs.

Oscar’s health insurance plans cost less than the national average across all network types. HMO plans average $604 per month and EPO plans cost about $540 per month, while PPO plans average $603 per month, saving you $96 to $122 compared with nationwide premiums.

Costs vary by metal tier, with higher premiums generally matched with lower out-of-pocket expenses. EPO Catastrophic plans start at around $350 per month and have $10,600 deductibles, making them a bare-bones option for healthy adults under 30. Bronze plans average from $369 to $458 per month depending on network type, with deductibles between $5,213 and $8,250. Expanded Bronze plans cost about $466 to $484 per month and feature lower deductibles of roughly $4,600 to $4,950. Silver plans average $572 to $616 per month with deductibles near $3,400, while Gold plans have the lowest deductibles, from $1,389 to $1,695, for monthly premiums between $586 and $598, which can make them a better value for people who expect to use care more often.

Compare Oscar’s average costs, deductibles, and out-of-pocket maximums by plan type and metal tier:

Oscar mixes tech tools with personal support to make healthcare easier and more affordable. The company's member benefits focus on digital convenience, virtual care access and dedicated support that sets it apart from traditional insurers.

• Dedicated Care Team: You can message your Care Team 24/7 through the Oscar app for help finding doctors, understanding bills or navigating claims.
• Virtual Urgent Care: Talk to a licensed provider 24/7 in as little as 15 minutes for $0 with most plans. Doctors can diagnose conditions, prescribe medications and refer you to specialists without an office visit.
• Oscar Primary Care: Available in select markets including Texas, New York, Florida, Arizona, Georgia and Oklahoma, this benefit gives $0 virtual primary care visits for routine checkups and ongoing health management.
• Oscar Mobile App: Oscar’s highly rated app lets you access your digital ID card, find in-network providers, refill prescriptions, track claims, check deductible status and set up autopay all from your phone.
• $3 Prescriptions: Many commonly prescribed medications cost just $3 for a 30-day supply. You can fill prescriptions and order refills through the app with home delivery.
• Oscar Unlocks Rewards: Earn rewards by completing healthy activities like annual wellness visits, hitting daily step goals or managing chronic conditions. Rewards include gift cards and credits toward healthy groceries (not available in New Jersey and Oklahoma).

Quality Rating System (QRS) scores are federal ratings that evaluate health insurance plans based on factors like medical care quality, member experience, and plan administration to help consumers compare overall plan performance. Oscar's QRS scores show strong member satisfaction but uneven performance in medical quality and claims handling. All plan types earn a 95.3 member experience score, reflecting positive feedback on customer service, digital tools and ease of accessing care. Plan administration scores range from 85.08 to 89.09, suggesting smooth billing and enrollment processes.

Oscar’s Medical care quality scores should be carefully considered, however. HMO plans perform best with a 74.83 medical care quality score and 77.82 overall quality rating. But EPO and PPO plans fall well behind at 59.23 and 55.03, suggesting problems with preventive care and clinical outcomes.

Claim denials are also high, ranging from 22% to 31% depending on network type. PPO plans have the lowest denial rate at 22%, while HMO and EPO plans have denial rates of 30% or higher, which means more hassle when filing claims.

Use the table below to filter Oscar health insurance plans by state, network structure and coverage level to find the best options in your area. Remember that plan availability depends on your specific county, so not all options shown may be accessible at your location:

We rate the best health insurance providers based on premiums, out-of-pocket expenses, customer experience, claims denial rates and plan selection.

MoneyGeek health insurance provider scores are weighted as follows:

• Affordability (60%): When scoring providers on affordability, we considered monthly premiums, deductibles, and maximum out-of-pocket (MOOP) costs. We weighted these factors as follows within the affordability score: monthly premiums (66.67%), deductible (16.67%), MOOP (16.67%).
• Customer Experience (30%): Centers for Medicare & Medicaid Services (CMS)’s Quality Rating System (QRS) overall rating for health-insurance plans. This is a 5-star rating system used to help consumers compare health plans on the Health Insurance Marketplace. Ratings are calculated based on three main categories: Medical Care, Member Experience, and Plan Administration. Providers with the highest overall rating get the highest score
• Denial Rate (10%): Denial rate is the percentage of submitted claims or applications that are rejected instead of approved. Providers with the lowest denial rate get the highest score.

Data sources

Health insurance plan and provider data was updated with the Centers for Medicare & Medicaid Services (CMS) exchange data released in October for the 2026 enrollment period as well as manual collection of health plan data from state insurance marketplaces for 22 states.

Sample consumer profile

We collected data on all available health plans for consumers ages 18, 26, 40, 50 and 60. Monthly premiums are based on a 40-year-old buyer unless otherwise noted, such as the category for seniors. We analyzed plans for each cited metal tier, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.