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Health insurance that actually works for you

With Oscar, get a health plan as low as $0, along with $3 prescriptions and $0 virtual care.* Plus, our Care Team is always ready to answer your questions, refill your meds, and even book your appointments.
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Get a plan as low as $0 with providers near you

Oscar members have access to affordable, convenient care

Here's what you'll get as an Oscar member:

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Great providers near you

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

Three excited care team members

A supportive Care Team

Your Care Team will help you find virtual or local providers, give cost estimates for care, and offer support whenever you need it.

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Virtual care anywhere

Enjoy virtual care from the comfort of your home, at work, or on-the-go. Every Oscar plan includes $0 Virtual Urgent Care.

three dollars illustrated in pills

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.

$0 preventive care

$0 preventive care

Your plan fully covers preventive care. That means your annual checkup, vaccines, or screenings (like blood pressure or cholesterol) are all $0.

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An app at your fingertips

Get care, refill prescriptions, message your Care Team, and look up benefits — all on-the-go with the Oscar app.

Understanding health insurance

If you’re buying health insurance for you or your family, the health insurance Marketplace (also called the Exchange) is for you. It’s the place to purchase Affordable Care Act (ACA) health plans. ACA plans are also called ObamaCare or Individual & Family plans. (And they’re all the same thing: affordable plans for you or your family.)Oscar offers Individual & Family 2024 health insurance plans in 18 states. This includes select counties in Arizona, Florida, Georgia, Iowa, Illinois, Kansas, Michigan, Missouri, North Carolina, Nebraska, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia. Plan details vary a bit by state, but you’ll get great benefits no matter where you live. Learn more about the health insurance basics, how it works, and how to save on your health care.Learn more about ACA plans →

Sign up for resources to help you find the right plan

Frequently asked questions

    • All qualified health plans offered on the ACA marketplace offer coverage for basic benefits, or essential health benefits. When you choose Oscar, you’re covered with these 10 essential benefits:
      1. Ambulatory (or “outpatient”) services: Any medical care you receive where you aren’t admitted to a hospital.
      2. Emergency services: Medical care that you receive when visiting an emergency room, whether for a broken arm or a heart attack.
      3. Hospitalization: Any reason you’re admitted into a hospital, including for surgery or overnight observation.
      4. Pregnancy, maternity, and newborn care: All of your practitioner provider visits during your pregnancy, as well as your birth and doctor visits for your newborn baby.
      5. Mental health and substance use services: Psychiatrist or counselor care as well as treatment at a mental health clinic.
      6. Prescription drugs: Antibiotics, blood pressure drugs, antidepressants, and all other medications prescribed by your doctor.
      7. Rehabilitative services and devices: All medical care you get for an injury, disability, or chronic condition (like physical and occupational therapy, speech therapy, psychiatric rehabilitation, etc.)
      8. Laboratory services: Any time a practitioner takes a sample (blood, urine, skin, etc.) and sends it to a lab for testing.
      9. Preventative care, wellness services, and chronic disease management: Visits to your doctor for your annual checkup, vaccines, or screenings (such as blood pressure, cholesterol, or colon cancer), along with medical care for chronic diseases (like diabetes, heart disease, cancer, or arthritis).
      10. Pediatric services: All healthcare for kids, including dental and vision.
      Additional benefits include:
      1. Contraceptives: Many forms of birth control including the pill, implants, IUDs, emergency contraception, sterilization procedures for women, and more, as well as counseling from your doctor.
      2. Breastfeeding coverage: Breastfeeding support, counseling, and education, as well as breastfeeding equipment and supplies for the duration of breastfeeding.
      These aren’t necessarily the only benefits your plan offers. Certain benefits are only covered with some plans, while others are only required in select states. Not sure what else your plan includes? Check online or find a plan to see what other benefits you get as an Oscar member.
    • You can find out if your drugs are covered by Oscar and how much they will cost by visiting hioscar.com/care-options, or you can find a list of drugs covered by Oscar in Oscar’s drug formulary here.
*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.$3 Prescriptions include up to 30-day supply of medication and are not available in NY, NJ, or for Catastrophic plans, small group plans, or Medicare plans.
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.

Find the right plan for you

Shop and compare Oscar individual and family health insurance plans available to you.