Oscar Health
Tech-first health insurance startup focused on user experience, virtual care, and a modern approach to health coverage. Founded 2012.
Services Offered
Our Take
Oscar represents what health insurance SHOULD feel like: a great app, free virtual care, and a concierge team that actually helps navigate the system. They've faced real financial challenges though - $610M loss in 2022 and exited California's individual market in 2024. They expect profitability in 2024 and are pivoting to also license their technology to other insurers (+Oscar). If you're in their markets and value user experience over maximum network size, Oscar is worth considering. Just know they're still proving they can survive long-term.
Pros
- ✓Best-in-class app and digital experience
- ✓Free 24/7 virtual care included
- ✓Dedicated concierge care team
- ✓Transparent, easy-to-understand pricing
- ✓Modern approach to member experience
Cons
- ✗Now in 13 states (exited CA individual market)
- ✗Narrower networks in some areas
- ✗Financial losses in past years (improving)
- ✗No Medicare yet
- ✗Still proving long-term viability
Pricing Details
Competitive ACA marketplace pricing in select markets. Virtual care included at no extra cost. Expanding technology licensing to other insurers.
Best For
- • Tech-savvy consumers
- • Virtual care users
- • ACA marketplace shoppers who value UX
- • People frustrated with traditional insurance
Coverage
- 📍 AZ
- 📍 FL
- 📍 GA
- 📍 KS
- 📍 MI
- 📍 MO
- 📍 NJ
- 📍 NY
- 📍 OH
- 📍 PA
- 📍 TN
- 📍 TX
- 📍 VA
Accreditations
- ✓NCQA accredited
Trust Indicators
Years in Business
12+
Last verified: December 21, 2024
⚠️ Important
Always verify pricing and details directly with the provider. Prices shown are estimates based on our research as of December 2024 and may have changed.
This information is for educational purposes only and does not constitute medical advice. Consult with qualified healthcare professionals before making medical decisions.
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