2027 New Member Bonus Program

Overview

Oscar is offering licensed and appointed Producers (“You”, “Your”) the opportunity to participate in a new supplemental compensation program, the 2027 New and Renewing Business Bonus Program (the “Program”).

The Program is offered to You pursuant to Section 4.4 of Your Producer Agreement.

The Program pays qualifying Producers a one-time payment based on the number of eligible Initial Term and Renewal Term members they enroll for January 1, 2027 or February 1, 2027 effective dates.

At Oscar’s sole discretion, an advance partial payment may be made in December 2026 for eligible active renewals and initial term members enrolled November 1–30, 2026. The enrollment date Oscar receives on the application must fall within this period. Members must be ID proofed by CMS and/or Oscar, and the applicable minimum membership requirement must be met by November 30, 2026.

Final payments are expected during or around July 2027, subject to the Program Terms & Conditions.

Bonus Program Details

The Program pays You a flat amount per eligible Initial Term or Renewal Term member, depending on the state the member is enrolled in. Members from each state are counted toward that state’s separate membership requirement and are not combined with members enrolled in other states, except that North Carolina and South Carolina membership is combined. Initial Term and Renewal Term members are counted separately.

For Alabama, Arizona, Iowa, Illinois, Kansas, Michigan, Missouri, Mississippi, Nebraska, New Jersey, Ohio, Oklahoma, Pennsylvania, Tennessee, and Virginia, the Program pays $50 per Initial Term member for 25–49 eligible members and $100 per Initial Term member for 50 or more. For Renewal Term members, the Program pays $25 for 25–49 eligible members and $50 for 50 or more.

For Florida, Georgia, and Texas, the Program pays $50 per Initial Term member for 50–99 eligible members and $100 per Initial Term member for 100 or more. For Renewal Term members, the Program pays $25 for 50–99 eligible members and $50 for 100 or more.

For North Carolina and South Carolina, membership in both states may be combined to meet minimum requirements. The Program pays $50 per Initial Term member for 25–49 eligible members and $100 for 50 or more; and $25 per Renewal Term member for 25–49 eligible members and $50 for 50 or more.

In order to be eligible for the Program, members must meet the following criteria:

• Members must be enrolled in an eligible state with a January 1 or February 1, 2027 effective date.
• Members must be enrolled with Oscar for a minimum of four months (for example, January through April 2027), and must be active and in good standing. April coverage must be paid in full.
• Both Initial Term members and Renewal Term members are eligible. Members enrolled in Catastrophic Plans are excluded.
• For a discretionary December 2026 advance payment, only active renewals and Initial Term members enrolled November 1–30, 2026 are evaluated; members must be ID proofed, and the applicable minimum must be met by November 30.
• Bonuses are calculated at the individual Producer level. Business cannot be aggregated across Producers or agencies.
• State minimums are calculated separately, except North Carolina and South Carolina, which are combined.
• Accounts transferred after January 1, 2027, including Agent of Record changes, are not eligible. Agent of Record changes before January 1, 2027 are permitted, subject to all other Program requirements.
• Producers must be licensed, appointed, appropriately certified and contracted in designated states, and remain in good standing with Oscar.

Any advance payment is deducted from the final Program payment. Oscar may recoup advance payments or other overpayments as described in the Terms & Conditions.

Terms & Conditions

1. Only Producers who are licensed, appointed, FFM and/or SBE certified, and contracted in the designated states with Oscar are eligible for the bonus. Producers must meet all eligibility requirements for the program at both the time of writing business and on the payment date(s). This program applies only to the Agent of Record on the policy, not to general agencies that may assist with the enrollment.
2. Producers must be in good-standing with Oscar at all times during the duration of the Program in order to be eligible to participate. Producers who have been suspended, terminated, or are under investigation by Oscar at any time during the duration of the Program are not eligible.
3. The program applies to individual Producers and cannot be aggregated at the agency level. Multiple individual Producers may not aggregate business to earn bonus tiers under any circumstances. Oscar reserves the right to audit applications to ensure that business is not aggregated for the purposes of this program.
4. Accounts transferred for any reason after January 1st, 2027, including Agent of Record changes, are not eligible for the Program.
5. Oscar retains sole discretion to determine a Producer’s eligibility for this program and may determine that a Producer is ineligible at any time and with no advance notice. If a Producer is eligible for any other supplemental compensation programs at any point during the duration of the Program, they are not eligible for this Program. If You have questions on your contracting status with Oscar, please reach out to your Oscar Sales Executive.
6. Disagreements or disputes regarding this program or the interpretation of rules or payout amounts will be resolved at the sole discretion of Oscar. Oscar may amend or discount the terms of the program at any time without advance notice.
7. Oscar reserves the right to recoup payment if any of these terms and conditions are violated.
8. Oscar may recoup advance payment if any members disenroll prior to the final payment date, or for any other reason.
9. If You or your designated payee owes Oscar compensation paid on terminated or cancelled policies, Oscar may, at its sole discretion, recoup that amount from any funds owed to you under the Program.
10. Other than adding the 2026 New Business Bonus Program, Your Producer Agreement is not amended or changed. You and Oscar will each comply with the terms and conditions of Your Producer Agreement which apply to the 2026 New Business Bonus Program. Defined terms used in this notice which are not defined in this notice have the meaning set forth in Your Producer Agreement.