Oscar
A tech-first health insurer built for individuals and families — simple plans, 24/7 virtual care, and coverage in 20 states. Compare Oscar plans and find coverage that fits your needs.
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Founded in 2012 in New York City, Oscar set out to do something no insurer had done before: build a health insurance company around technology from day one. Rather than adapting decades-old systems, Oscar created its own “full stack” platform — powering everything from its member app to claims — and went public on the New York Stock Exchange in 2021. Since 2023 it has been led by CEO Mark Bertolini, the former longtime CEO of Aetna.
Oscar specializes in individual and family coverage sold through the ACA marketplace. The member experience is digital-first: an easy-to-use app, dedicated Care Teams, rewards for healthy habits, and $0 24/7 virtual urgent care on most plans — plus $0 virtual primary care in several states. Its plans use curated EPO and HMO networks (with PPO options in Texas) designed to keep premiums competitive, and Spanish-first service is available through Hola Oscar.
Oscar has grown into one of the largest individual-market insurers in the country, serving more than 3 million members. For 2026 it offers plans in 20 states across 573 counties — including new markets Alabama and Mississippi — and it continues to expand while several competitors pull back from the marketplace. Depending on your household income, federal subsidies can significantly lower your monthly Oscar premium.
Oscar at a glance. Founded in 2012, Oscar is a technology-driven health insurer focused on individual and family ACA coverage — serving more than 3 million members with a digital-first experience and 24/7 virtual care.
2012Year founded — New York City
3.1M+members nationwide (as of early 2026)
20states with 2026 individual & family plans
Oscar: Frequently Asked Questions
Quick answers about Oscar and its health plans.
Who is Oscar?+
Oscar is a technology-driven health insurer founded in 2012 in New York City and listed on the NYSE. It serves more than 3 million members and focuses on individual and family coverage sold through the ACA marketplace.
What types of plans does Oscar offer?+
Oscar offers ACA marketplace individual and family plans (Bronze through Gold, including cost-sharing-reduction Silver plans) and small-group options in select markets. Oscar does not offer Medicare Advantage or Medicaid plans.
Where is Oscar available?+
For 2026, Oscar sells plans in 20 states across 573 counties — including new markets Alabama and Mississippi. You can enroll during Open Enrollment (generally November 1 – January 15) or a Special Enrollment Period, and income-based subsidies apply.
How does Oscar’s network work?+
Most Oscar plans use curated EPO or HMO networks (PPO options are available in Texas), which help keep premiums competitive. In-network care is required on most plans, so it’s smart to check Oscar’s provider search — or ask us — before enrolling.
What extras does Oscar include?+
Most Oscar plans include $0 24/7 virtual urgent care, and $0 virtual primary care is available in several states. All plans include prescription drug coverage, and members get a dedicated Care Team through the Oscar app. Adult dental and vision are generally not included, so many members pair Oscar with standalone dental and vision plans — we can help with both.
How do I get an Oscar quote?+
Click “Get an Oscar Quote” to compare available Oscar plans and prices in your area in just a few minutes — with no obligation.
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