Loading page
Oscar Unlocks
It’s about time healthcare paid you back
Complete simple health tasks and earn points with Oscar Unlocks. Then put them towards your monthly premium. Or redeem them on your Oscar Unlocks Debit Card to spend across every major retailer across America.
How it works
Care pays off with Oscar Unlocks
Earn points for taking care of yourself, then spend them however you want. See how simple it is in action.
3 steps to your payday
Complete simple health tasks
Earn rewards points by completing annual checkups, screenings, and other routine care.
Watch your points add up
Track your rewards balance in real time on your Oscar Unlocks dashboard.
Turn points into perks.
Apply points toward your monthly health insurance premium.Or load them onto your Oscar Unlocks Debit Card to spend as you please.
Start 2027 with a little extra
Complete your account onboarding during Open Enrollment to unlock a $20 bonus after your new coverage starts in January.
Your cha-ching checklist
We’re putting our money where your health is. Take a look at what you could earn for completing the 2027 health actions that fit your care needs.
Your cha-ching checklist
We’re putting our money where your health is. Take a look at what you could earn for completing the 2027 health actions that fit your care needs.
$20
for completing your profile and onboarding
$25
for a virtual or in-person health assessment
$20
for a preventative care visit
$30
for switching from a 30- to 90-day prescription
Everyday perks
But wait, there’s more to unlock
Your rewards don’t stop at points. Enjoy exclusive discounts on fitness, vision care, dining, and everyday essentials just for being an Oscar member.
Gym & fitness discounts
Move more and spend less with member-only discounts on gym memberships and major fitness brands.
Everyday savings
Save on the things you already love, like dining, entertainment, travel, and shopping at every major retailer across America.
Vision savings pass
Take care of your eyes for less with instant savings on eye exams, glasses, contacts, and sunglasses.
It pays to take care of you
Healthy habits should come with more than peace of mind. With Oscar Unlocks, you’ll also earn lower premiums, cash rewards, and member-exclusive perks.
Oscar Unlocks partners
Frequently asked questions
Unlock answers to your questions
Everything you need to know before you start earning, redeeming, and saving.
Watch your points add up in real time right inside your Oscar dashboard. When you're ready to redeem them, you can transfer your points to your Oscar Debit Card to spend however you like. Or you can apply them directly towards your monthly premium.
Absolutely. You can turn your healthy habits into real savings by applying earned points directly to your monthly premium.
As long as your Oscar plan stays active, your points stay in your wallet. Use them now or save them for later — your call!
Many points land in your dashboard as soon as your visit, lab, or task claim is processed — typically within a few business days. If the reward is connected to a claim, it could take up to 90 days.
Footnotes
Rewards: Eligibility for rewards requires a member’s account to be in good payment standing without any overdue balance. Once a member’s account is current, the reward will be issued.
Oscar Unlocks: Oscar Rewards Program participation is available to eligible active IFP and ICHRA members age 18 and older. Participation does not guarantee eligibility for every reward. Reward availability, eligibility, values, qualifying activities, annual limits, verification timing, and redemption options vary by member, plan, and state and are subject to the applicable policy and program terms. Please refer to hisocar.com/get-coverage/oscar-unlocks for more information.
Vision care savings aren't available to members with a comprehensive vision & dental plan.