Health benefits built for however you work, boss
Forget double-digit renewals and plans that ask you to pay more for less every year. With ICHRA, you set the budget. And your employees pick an Oscar health plan that actually fits their life. That’s how you take care of business.
Your biggest flex? Benefits that work how your team works.
Traditional group plans are too rigid. ICHRA flexes to fit your team, no matter where or how they work.
Health plan rate hikes aren’t the cost of doing business
Predictable costs
Fixed pricing on your terms. No more renewal shocks or budget surprises.Flexible benefits
Plans scale and evolves alongside your growing workforce.No HR? No problem.
Streamlined operations that slash paperwork and minimize compliance risk.Personalized choice
Diverse plan options tailored to reflect the true needs of every employee.
You pick the budget. They pick their health plan.
And honestly? That’s how it should be. One-size-fits-none coverage doesn’t work for everyone. But ICHRA does. That’s because your team gets to choose a health plan built around their actual life. Including Oscar.
Healthier teams go further.
When people get care that actually works for them, they show up differently. Oscar plans are designed for real people in different stages of life, with different conditions, and different needs. And people genuinely like the experience.
- A +39 NPS that nearly triples the satisfaction of traditional group plans. (Deft 2025)
The business impact is big.
- 34% increase in group ICHRA adoption YoY ¹
- 9/10 groups who adopted ICHRA renewed YoY ²
- Employee ICHRA NPS averages +39 vs. +15 for group coverage ³
- 82% of brokers deliver 10-30% savings for clients ⁴
- 92% of brokers who adopted saw a commission increase
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This is the place to be. Glad you’re here.
94% of employers report switching to the individual market was the right decision.* Source: SureCo State of ICHRA Report 2025
Footnotes
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 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.
TASC. (2025). ICHRAS unlocked: Insights, growth drivers, and the road ahead: Modernizing benefits with scalable ICHRA solutions. TASC.