Oscar is a newer name among health insurance providers, but it has grown from its initial startup since its founding in 2012. The company values simplicity and communication, so it seeks to simplify policies in order to better cover the needs of its clients.

With Oscar, customers can find plans with health savings accounts (HSAs) and traditional health insurance plans for individuals and families. Oscar also offers Medicare. Oscar does not offer dental or vision coverage.

View Oscar Reviews

Oscar Health Insurance was created to give customers a new, simple way to get health insurance and affordable care. Its plans include perks for things like reaching a fitness goal.

Oscar puts a strong emphasis on technology to cater to customers’ needs and add convenience to health care.

Open Enrollment for 2020 health care plans runs November 1, 2019-December 15, 2019. If you missed the open enrollment period, check to see if you qualify for a special enrollment period.

The Good

  • Plan Options Offered
  • Member Resources
  • Unique Features
  • Customer Service

Plan Options Offered

Oscar tries to ensure that all clients find an easy health care plan to suit their individual needs. Oscar offers both on and off exchange individual plans in all states in which it operates, plus small business plans in New York, New Jersey, and Tennessee. Under the Affordable Care Act on- and off-exchange plans must cover essential health benefits, like primary care, hospital stays, and mental health services. (The health insurance exchange is a government-created marketplace, also called the health insurance marketplace.)

Oscar's coverage options include: Health Savings Account (HSA)-compatible plans, and self-funded options. Oscar also offers Medicare Advantage plans. It does not offer Medicaid services.

Oscar offers four plan options:

  • Classic Plans 
  • Simple Plans 
  • Saver Plans
  • Backup Plans

These plans are also organized using the metal tier system created by the Affordable Care Act. Depending on your area, each Oscar insurance product can be a bronze, silver, gold, or platinum plan. Bronze plans put the most cost-sharing on policyholders, while platinum plans put the least. Bronze plans also have lower deductibles. Platinum plans typically have much higher deductibles.

All Oscar Plans have free Doctor on Call telemedicine services, rewards for steps tracking, an Oscar Concierge team, and pre-deductible preventive care benefits to keep out-of-pocket costs to a minimum for both specialty and brand-name drugs.

Oscar Classic plans generally match the policy and structures of most of the plans on the individual insurance market.

However, Oscar Simple plans are easier to understand, because clients only have one dollar amount to remember: all covered services are free after clients hit their deductible. This is because the deductible is set at the same level as the maximum out-of-pocket amount. (Note: Care that happens before the deductible is met requires a copay, coinsurance, or full payment by consumers.)

Oscar Saver plans are HSA-compatible plans with low monthly premiums and a higher deductible. Members use the money in their HSA to pay for health care throughout the year.

Oscar Backup plans are a low premium, high deductible option designed for healthier people who was to save on upfront medical expenses.

Member Resources

Before becoming a member, potential clients can receive free quotes of premiums from Oscar's website or by phone. With this tool, a customer can answer a few general questions about themself (zip code, age, how many people they want to cover) as well as about their expected medical needs in the next year. Through this brief process, Oscar can direct clients to the most cost-efficient health plan with the person's health in mind.

Individuals are then able to see all of Oscar insurance plans, costs (deductibles, copays, out-of-pocket maximums, and health insurance premiums, including government subsidies if you qualify), benefits, and recommended options to help decrease out-of-pocket costs.

After clients pay the first premium, Oscar sends a welcome kit, which includes the client's ID card(s), an in-depth look at the free perks and benefits, as well as the individual's Schedule of Benefits and Coverage. This welcome kit also has a "Health Care Cheat Sheet" to help break down all the details of the chosen insurance coverage within the individuals' plan.

Lastly, Oscar offers a web account and mobile app to its customers. The online account and health insurance app allow users to search for health professionals covered by Oscar's plans, book appointments with healthcare providers, and view detailed doctor credential information and reviews to find the one(s) best suited to handle their specific needs. The Oscar app makes the features of the member portal more convenient to access on the go.

Members can call or message their Concierge team by simply clicking a button within the app. This app also provides members with a "Health Timeline", which contains their personal medical information and history such as appointments, prescriptions, lab results, and billing information.

Unique Features

Oscar has unique features that many other competing health insurance companies do not. One of these is the fast registration process. Because the company emphasizes simplicity, Oscar has taken many steps to remove the complication of choosing a health insurance plan and registering. It also seeks simplicity by providing efficient customer service, clarifying information on health insurance policy and potential medical expenses, and more.

Each member is also assigned to a Concierge team and a nurse, which allows customers to receive specialized service. This team can assist with finding doctors, booking appointments, coordinating care for complex or chronic medical issues, providing clinical guidance, and resolving billing or reimbursement issues.

Furthermore, instead of casting a wide net and contracting with every health care provider, Oscar has developed a curated network of medical groups and doctors in each of its service areas to ensure tighter integration and higher quality health insurance policy for members. Additionally, they use data science and complex modeling to assess network coverage, provider quality, and service volume to improve their offerings.

Oscar also provides rewards to customers who reach their step goals. Customers track their steps using the health apps that come with iPhones and Androids. When they reach their daily step goals, they can receive up to $240 per year.

Customer Service

Oscar provides excellent customer support. They provide phone support from 8 a.m.-8 p.m. Monday-Friday local time in each of its markets, and 9 a.m.-5 p.m. on weekends. When clients call or secure message Oscar, you are connected to a Concierge team. This unique model provides customers with additional support. Each Concierge team consists of a care guide and a registered nurse.

In addition, due to the nurse's experience on the team, they can also handle clinical questions, including assessing a member's needs and connecting them with the proper type of doctor to address their needs. Concierge teams proactively reach out to members if they visit the ER or hospital unexpectedly to make sure they are okay and that they have done all the follow-ups the doctors requested. Because they're familiar with you and use Oscar's powerful backend systems to see your history instantaneously, there is never a need to be passed off to another department.

Oscar also provides what they call Doctor on Call, a telemedicine service that lets members talk to a doctor 24/7 for free over the phone. This service is especially convenient for getting medical advice when you don't want to take a trip to the doctor's office.

Get Quote

The Bad

  • Limited Availability
  • No Dental or Vision Insurance
  • Limited Plan Types

Limited Availability

Oscar health insurance plans are only available to customers in some parts of the United States, including New York, New Jersey, California, Texas, Ohio, Michigan, Florida, Arizona, and Tennessee. Small businesses may also be eligible for Oscar coverage in California, Tennessee, New Jersey, and New York. To check availability, input your zip code on Oscar's website to see the plans available to you.

No Dental or Vision Insurance

Oscar health plans don't include dental or vision coverage, except for children under the age of 18. Many competing insurance providers do include dental and vision options.

Limited Plan Types

Oscar doesn't work with customers on Medicaid. Depending on your plan, you may get health care, prescriptions, and medical supplies from providers who take Oscar plans. This might mean you don't need a referral for a specialist, but it may also mean that you have no out-of-network benefits, except for emergency situations or if you sign up for out-of-area coverage as a small group customer. Be sure to understand how your health coverage works when looking for health care providers.

Oscar insurance customers should also make sure they understand the terms of their health care plan. They should understand under what circumstances they need prior authorization and what kind of coverage is available for pre-existing conditions.

The Bottom Line

Finding affordable health insurance and a trustworthy insurer is an important step for finding affordable care. There are plenty of plans and health insurers to choose from. How good is Oscar health insurance?

While Oscar is a newer health insurance company, its plan offerings and simple process make its health insurance plans worth considering. Because Oscar does not offer Medicaid, those seeking a Medicaid insurance policy should find another health insurer.

Oscar offers a wide array of member tools and support options. Its mobile app and Concierge Teams offer customers abundant and easily accessible customer service.

For customers in the available states who are looking for these types of plans, however, an Oscar health plan is a fantastic option. Oscar boasts reasonable rates, several customer service contacts, a fast enrollment process, and offers free services with every health insurance plan.

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User Reviews

Star Rating

3.3
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451 Reviews

Review Breakdown

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3 star
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2 star
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1 star
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Sentiment Criteria

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Rose
October 18th, 2019 Columbus, OH DETAILS
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I just switched over to Oscar this month. I really like their interface and they have been very responsive and easy to get in touch with. HOWEVER, I have a 2 year old daughter, and am 16 weeks pregnant with my second. I have been trying to find an in network pediatrician in my area and have only come up with a list of pediatric dermatologists and mental healthcare specialists (both through my own online search and their concierge team) Where do people who have this insurance in the Columbus area send their kids to the doctor!?!?! I am very upset with this huge hole in their network and will likely have to switch insurance so I can get my kids proper medical care.

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LORELEI SMITH
October 2nd, 2019 Converse, TX DETAILS
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The website information regarding Oscar doctors is user friendly though I learned not always up to date & accurate.

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B
October 2nd, 2019 Los Angeles, CA DETAILS
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I was not a customer. I was a victim of a scam. after paying $1,000s in premiums I went in for an annual physical. The doctor coded it as an office visit and tried charging me $200 (it should have been 100% covered). Oscar colluded with the doctor and refused to work with me to correct the billing error. They claimed the doctor's office was correct without justification and ignored the evidence I provided showing I only received preventative care. This is not a healthcare company, it is organized crime. Do not give this illegitimate organization your money.

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Jennifer Thomas
September 30th, 2019 Westlake, OH DETAILS
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Since I have purchased Oscar, the questions I get from all of my doctors receptionists have been reduced to zero. It is easier now to check in as they see all of my information online. Easy to pay my bill and I believe they truly want to be the very BEST insurance provider in the country! They constantly educate you on how easy it is to contact a doctor.

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LK
September 30th, 2019 Brooklyn, NY DETAILS
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I am so pleased with ocar insurance. The office is accessible, the online portal and dr's on call are responsive and eager to help.

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Robert
September 13th, 2019 Maspeth, NY DETAILS
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Daughter was sick can’t. Talk sore throat high fever and they want her to go on website to fill out paperwork before helping even though paperwork already done twice before ,can’t go to hospital cost to much no doctor in maspeth area to see less than 10days out so to me not very good

Oscar Logo

Reply from Oscar

Sep 14, 2019

Hi Robert, thank you for letting us know about this. DM us your Oscar ID number and we'll be happy to look into this and have someone get in touch with you to help.

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Victoria
September 3rd, 2019 Brooklyn, NY DETAILS
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I'm 63. I pay over $5,000 a year for medical insurance with Oscar. I have a $7,000 deductible so I don't go to doctors if I can avoid it. It's hard to put a positive spin on this. That said, if I could do better elsewhere, I would switch insurers. (I will be voting for the Democratic Presidential candidate in 2020...) I give Oscar credit for how they have streamlined the experience of getting information, even if the information I get is regrettable. Their Web site is uncluttered and intuitive; the customer service representatives work hard to answer my questions in a timely manner and are always pleasant. What is it they say about democracy--that it is the worst form of government except for all the other forms? Well, though I give Oscar a 2, I give all the others a 1.

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Dominica Pileggi
August 30th, 2019 Converse, TX DETAILS
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Everyone is always so helpful and very knowledgeable about everything I've ever asked about. If the answer wasn't known right then, they would find out and get back with me. Usually very quick. The only thing I would like to have had was a larger selection of specialist for adults

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mark eichenseer
August 28th, 2019 Columbus, OH DETAILS
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The support system is a valuable resource to guide the patient through the process either via messaging or phone. Willingness to review surprise bills is comforting. Quick response by the support team for any request is crucial. The silver plan has fair coverage for a reasonable cost.

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Maureen Dahl
August 27th, 2019 Franklin Square, NY DETAILS
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Although I had a few hiccups with Oscar the first year I was with them, my concierge team worked with me on a daily basis to fix the problems. We succeeded getting everything worked out within a reasonable amount of time. Since then, I have not had a single negative issue - only positive ones. I was able to pick the plan that was right for me and I have to say, Oscar has many to choose from. I am very happy with the plan I’ve chosen as I have had some health issues and it has been smooth sailing these past few years. Would highly recommend Oscar Health Insurance.

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Tara Ozanyan
August 27th, 2019 Los Angeles, CA DETAILS
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Working with Oscar Insurance has been incredibly easy and makes scheduling a breeze!

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Olga Legostayeva
August 27th, 2019 Burbank, CA

It was easy to pick the doctor through Oscar app and schedule the appointment. Verdugo Hospital Orthopedic team is great!

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Nathan
August 27th, 2019 Los Angeles, CA DETAILS
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The overall experience with Oscar is great. Good website and app, generally forward thinking features. My only complaint is that there is a very limited selection of doctors in their network.

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Mary Garrison
August 21st, 2019 Orlando, FL DETAILS
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You continue to Thorn my side sending paperet bills and uiur website demanding I OWE payments. I hope you go out of your New York RUDE attitude business down the road.

Oscar Logo

Reply from Oscar

Sep 03, 2019

Hi Mary, we'd be happy look into this for you. Due to privacy laws this isn't something we can help with via Best Company, but DM us your Oscar ID # and we'll be happy to have someone from our team get in touch with you to help.

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Patricia Ruiz
August 20th, 2019 Orlando, FL DETAILS
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I'm very happy with this Insurance (OSCAR), because they have a very good Professionals on the web.

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Pam Rodriguez
August 20th, 2019 Los Angeles, CA DETAILS
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oscar has been great for my healthcare coverage. the app is very easy to use and you can schedule everything straight from it. there are very good choices for doctors.

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LeanderLil
August 20th, 2019 Cedar Park, TX DETAILS
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It is what it is - they do what what they say they'll do. Easy to find doctors and hospitals then read reviews too. Only drawback is using Quest Labs vs. doing Labs at the doctor's office.

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Tatiana Firsova
August 20th, 2019 Los Angeles, CA DETAILS
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Solid price/ratio offer on the market. Good network coverage, responsive customer support (concierges specifically). Modern-looking app and a nice perk of being rewarded for a daily steps goal.

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Cesar
August 20th, 2019 Orlando, FL DETAILS
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Is a good medical Plan inrecomended to everybodey

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Demetrios Podaras
August 20th, 2019 Holbrook, NY DETAILS
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happy with the doctors and hospitals. very unhappy with the cost.

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Carol Saucedo
August 20th, 2019 Downey, CA DETAILS
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It is better then most and is their when you need them

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chelsea
August 20th, 2019 Brooklyn, NY DETAILS
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While my plan is relatively limited and relatively costly, no health insurance is a cup of tea in this backwards country. Oscar does make it easy, however, to navigate my plan and my benefits via their website and smartphone app, making for a more accessible and seemingly transparent health care experience. I only wish coverage was wider-ranged and less expensive...

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Stafford Thurmond
August 20th, 2019 El Paso, TX DETAILS
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Much easier than blue Cross of texas to navigate

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Emilie
August 20th, 2019 Beverly Hills, CA DETAILS
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I am really happy with Oscar. Everything is easy and I’ve seen the best doctors and specialists.

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Robert R Hodge
August 20th, 2019 Clarksville, TN DETAILS
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It is relatively good. It is the monthly premiums that I am having difficulty with.

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Stella Hursey
August 20th, 2019 Grove City, OH DETAILS
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This is an affordable program to use short term.

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Joel
August 20th, 2019 Spring Hill, TN DETAILS
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Their network of doctors and hospitals is very limited. There is a good chance you could be driving 30+ miles to visit a doctor. The information on their website is not correct. The list doctors as in network when they actually aren't, and they don't list all the doctors that are in network.

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Raquel
August 20th, 2019 San Antonio, TX DETAILS
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Great experience. Concierge is quick to respond to your messages.

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Clare
August 20th, 2019 New York, NY DETAILS
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Great app and Doctor on Call is terrific!

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Isa
August 7th, 2019 Livingston, NJ DETAILS
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It’s very hard to find doctors in my area!!! Very frustrating!!!

Oscar Logo

Reply from Oscar

Aug 07, 2019

Hi Isa, if you need help finding a doctor in your area your Concierge team will help you out. Give them a call at 1-855-672-2755 for help finding the perfect specialist, whatever your needs.

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SNewhardt
July 5th, 2019 San Antonio, TX DETAILS
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Superlative Customer Service with their concierge program and 24/7 Doctor on Call! Our experience with Oscar so far has been quite good. Yes, you are limited on docs and pharmacies, but we have had great doctors, and CVS is everywhere. Our in network hospital is one of the best in town. Our son got sick while out of state, and the Doc on Call was able to help us, get him a Rx, and virtually shopped with me on the phone for OTC items at CVS while I was waiting for the Rx. The Doc was free, the scrip was 5.00. If you are tech savvy, you will love Oscar. I do everything on my phone, and I love all the things I can do on my mobile.

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Stacy
July 2nd, 2019 Huntington Beach, CA DETAILS
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If you live in an area where Oscar offers coverage it is a good affordable option. They work with top doctors in Orange County and the app makes it very easy to find providers. They also reward you with $1 Amazon credit per day that you meet your daily step target which is a fun perk.

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Dmitry Popov
July 1st, 2019 Santa Monica, CA DETAILS
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Totally like Oscar - the selection of providers, great value for the price, the app, the doctor on call. So sorry I moved to a different state where Oscar is not yet available :(

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M
July 1st, 2019 Chagrin Falls, OH DETAILS
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I purchased Oscar insurance because I wanted insurance for the Cleveland Clinic. It is expensive. There seems to be some confusion about co-pays. Enrollment was trying but I was persistent and got it done.

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Greg
June 28th, 2019 Newport Beach, CA DETAILS
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good rates, excellent communication via email, easy to use services.

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ezequiel
June 28th, 2019 Los Angeles, CA DETAILS
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I love Oscar Insurance is really affordable and it has cover all the doctors visits. I have no complains about this insurance.

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Thaddeus Bouska
June 28th, 2019 Brooklyn, NY DETAILS
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Oscar, like all modern health insurance companies, has its problems. Healthcare is expensive, and insurance never covers enough of the costs. But if you put aside industry-wide complaints about those costs, I find Oscar is pretty good in one big way that sets it apart from competitors in New York. They have excellent customer service who is very helpful at navigating the world of healthcare with you, explaining everything and trying their best to help you get the care you need. They make the service worthwhile over other similarly priced companies that don't offer such helpful service.

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George Urban
June 28th, 2019 Austin, TX DETAILS
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Very easy to navigate website. Good customer information package.

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Christina Esmahan
June 27th, 2019 Austin, TX DETAILS
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I've enjoyed being with Oscar. They are friendly and their app is good. Wish they convered more on allergies.

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Rick kain
June 25th, 2019 Solon, OH DETAILS
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The insurance cost is to high, my prescription are less if I go online and find a coupon. I have to spend 6,000 a year for what?

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Sunshine
June 24th, 2019 Placentia, CA DETAILS
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My annual checkup and labs were covered 100%

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Derek
June 21st, 2019 Jericho, NY DETAILS
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Easy to sign up but premiums and deductible are fairly high.

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Mike
June 21st, 2019 Dover, OH DETAILS
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It’s been good The network is the best and it was easy to get a primary care physician.

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Lonny
June 21st, 2019 Chatsworth, CA DETAILS
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Billing and service provided by Oscar has been outstanding!!!

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Mason M
June 19th, 2019 Los Angeles, CA DETAILS
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Oscar is a great health care option for individuals like myself living in the Los Angeles area. It is affordable especially for individuals under 30. Its network of doctors COULD be larger, there are not many urgent cares to go to which is what I use most when I get sick. Have not used their doctor on call option which might be a good alternative to going to a urger care (I hope) Their app is great, makes it very easy to contact someone if you have questions with the online chat feature. Overall I would totally recommend Oscar. Im also rarely sick so not sure if its a great option for someone who goes to the doctor all the time? But great for individuals like myself who are averagely pretty healthy.

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Aby
June 19th, 2019 Lake Forest, CA DETAILS
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Doctor on demand was really helpful! I totally recommend it!

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William
June 19th, 2019 Tustin, CA

Great service. Very clean office. I recommend.

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Tom
June 19th, 2019 Austin, TX DETAILS
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So far I have had no problems with Oscar insurance . Other than being limited to Quest labs it has been good insurance.

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Karen
June 19th, 2019 Pittstown, NJ DETAILS
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Ease of signing up for benefits and communication is awesome. Doctor on Call is a great feature.

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José luna
June 18th, 2019 San Antonio, TX DETAILS
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Every time I have a problem I call Oscar and always help me ! I am very happy with Oscar Insuranse .