Health insurance that actually works for you

Get health insurance that feels good. We offer plans as low as $0 with $0 virtual care, and access to high-quality providers near you.*
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Our members love us (19x more than industry average)1

Here’s what you’ll love as an Oscar member:

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Great providers near you

Find doctors, hospitals, and pharmacies near you that accept our plans. See providers that understand your language, race, ethnicity, and health history.

Three cheering Oscar Care Team members

A Care Team by your side

Your Care Team’s only job is to answer your questions and help save you money by finding you quality care in your area.

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Virtual care anywhere

Talk to a provider within minutes at any time for $0 — all from the comfort of home — with Virtual Urgent Care and, in some areas, $0 Oscar Primary Care.

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Savings with $3 meds

Many commonly prescribed prescription drugs are as little as $3. Get a prescription or refill through the Oscar app, and get it delivered right to your door.

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A handy healthcare app

Get care, refill meds, access your digital ID card, message your Care Team, and look up benefits it’s all there.

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Renew your plan now

Log into your account and pay the next bill to renew your coverage for 2024.

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Access your account

Manage your care, view your ID card, and explore your coverage & benefits.

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Find doctors

Find virtual or local providers that accept your plan.

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An update for our members Learn more
*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.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.For 2024, Oscar Primary Care is available in TX (excluding HSA, Secure, and non-elite Bronze plans), NY (excluding Standard Silver, Standard Bronze, and Secure plans), South FL (Palm Beach, Miami-Dade, and Broward, excluding HSA and Secure plans), Northern/Central FL (excluding HSA and Secure plans), AZ (excluding HSA and Secure plans), GA (excluding HSA and Secure plans). Oscar Primary Care providers are employed by Oscar Medical Group, not Oscar Insurance Company or its insurance plan affiliates. Oscar Primary Care is only available to members 18 years of age and older. Prescriptions, visits and services may be limited at the provider’s discretion and Oscar Primary Care is not intended to be used in conjunction with another primary care consultation. Oscar Care in-person visits in conjunction with your virtual visit may have a copayment. Due to medical licensing laws, you must be in your home state at the time of your virtual visit. In Northern and Central FL markets there may be a cost share associated with your visit. Please view plan details here for more detailed information.
Oscar 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 form numbers OSC-TX-IVL-EOC-2024/OSC-TX-IVL-EOC-2024-HIX and associated COC forms OHIN-133765733/OHIN-133765677/OHIN-133656589/OHIN-133656586. Plans sold in Virginia use policy form number OSC-VA-IVL-EOC-2024-HIX/OSC-VA-IVL-EOC-2024 with associated COC form number OHIN-133619594/OHIN-133619595. 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, and Oscar Health Plan of New York, Inc. in New York.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.
This is based on our net promoter score (NPS). The health insurance industry has an average net promoter score of 3, according to Forrester research, compared to Oscar’s NPS of 57 as of Q2 2023.