In our continued efforts to keep your account information safe and secure, we want to remind you that Oscar will never ask you for your full social security number. If you suspect a call is fraudulent, hang up immediately and contact us directly.
The advance premium tax credit (APTC) helps eligible people pay their monthly health insurance premiums on the Health Insurance Marketplace. You will be asked to provide additional information, including tax ID, Social Security number or immigration ID, in order to qualify for APTC in the 2027 plan year. If you do not include this information, you could lose your APTC, even if your plan renews automatically.
If you currently receive this assistance and get a notice from Oscar Insurance or the Marketplace, here’s what you need to know.
If you enroll on your own
If you enroll on your own, you can follow a few simple steps to review and verify your information. If your plan renews automatically, it is important that you check your plan. The Marketplace reviews financial aid eligibility every year, and automatic renewal does not guarantee your information is current or that your financial help will stay the same.
Sign in to and review your notice in the messages center. It will explain what needs verification, which documents must be submitted, and the deadline to respond.
Correct your application and upload documents: Update any missing or outdated details, including tax ID, Social Security number or immigration ID, and securely submit the documents requested in your notice.
Resubmit your application: After making corrections, submit the updated application and continue to check your account for confirmation or follow-up requests.
If you enroll through an agent or broker
If a broker or agent assists you with enrollment, you should reach out to them for guidance. Share any notices you received from Oscar Insurance or the Marketplace, so they can help you input the appropriate information into your 2027 plan application for APTCs.
Call or email your broker: Have your household and income details ready, along with any documents the notice requests.
Broker consent: Your broker or agent can help you review your application. But, before they can help, you will need to give your consent. Make sure you can access the email address and phone number on your application. You may receive a link or a code to grant your broker access to your account.
ID proofing: Once you give broker consent, you may need to verify your own identity before your broker can proceed. This is called ID proofing, and it confirms that you are the person on the application. Typically, you are asked to provide basic personal information, then answer questions based on your records, or follow prompts from an identity verification service. Some services may ask for a photo of an ID and a selfie. Your broker can fill you in on exactly what to expect.
Correct your 2027 application, upload documents, and resubmit: Your broker will help you update any missing or outdated details in your application, securely submit the documents requested in your notice, and resubmit your application for 2027 health coverage.
Keep checking your account
Whether you make updates yourself or work with a broker, you will need to keep checking your Healthcare.gov account for follow-up requests. If additional documents are needed, ensure they are submitted by the listed deadline.
The Marketplace determines whether you qualify for APTC and how much assistance you receive. Oscar Insurance does not make that decision. Completing the requested steps gives the Marketplace up-to-date information to review, but does not guarantee financial aid or the same amount you received before.
If you have a broker, ask them to walk you through the result and any remaining steps. Need help getting started? Call Oscar at 844-823-5949.
