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 301 total plans, though what's available depends on where you live. Texas has the widest selection (HMO, EPO and PPO plans) while Ohio has the most individual plan options, with 32 HMO plans. Most states only offer one network type, so your choices are largely shaped by your location. Check Oscar's availability in your area before comparing coverage 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 matched with lower out-of-pocket expenses. EPO Catastrophic plans start at $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.

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, which set it apart from traditional insurers.

• Dedicated Care Team: Message your Care Team 24/7 through the Oscar app for help finding doctors, understanding bills or sorting out a claim.
• Virtual Urgent Care: Talk to a licensed provider in as little as 15 minutes, 24/7, for $0 with most plans. Providers can diagnose conditions, prescribe medications and refer you to specialists. No office visit needed.
• Oscar Primary Care: Members in Texas, New York, Florida, Arizona, Georgia and Oklahoma get $0 virtual primary care visits for routine checkups and ongoing health management.
• Oscar App: Find in-network providers, access your digital ID card, refill prescriptions, track claims, check your deductible and set up autopay, all from your phone.
• $3 Prescriptions: Many common medications are $3 for a 30-day supply. Order refills through the app with home delivery.
• Oscar Unlocks Rewards: Complete healthy activities, annual wellness visits, daily step goals, chronic condition management, to earn gift cards and grocery credits. Not available in New Jersey and Oklahoma.

Quality Rating System (QRS) scores are federal ratings that evaluate health insurance plans on medical care quality, member experience and plan administration. 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, pointing to smooth billing and enrollment processes.

Medical care quality scores are worth a closer look. HMO plans perform best, with a 74.83 medical care quality score and 77.82 overall quality rating, but EPO and PPO plans trail at 59.23 and 55.03, suggesting gaps in preventive care and clinical outcomes.

Claim denial rates are also high, ranging from 22% to 31% by network type. PPO plans have the lowest denial rate at 22%, while HMO and EPO plans have rates of 30% or higher, meaning more back-and-forth 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. Plan availability depends on your 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.