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Your Oscar Carrier Guide

Oscar Health Insurance for Simple, App-First Care

Oscar Health Insurance makes marketplace coverage simple, with virtual care and an easy mobile app. In addition, Vivna’s licensed agents compare Oscar side by side with other top carriers. So you get the right plan and every savings you qualify for.

  • $0 virtual urgent care on many Oscar plans
  • A personal Care Team and an easy-to-use mobile app
  • Tax credit savings plus free help choosing a plan
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Vivna Insurance is an independent, authorized insurance broker licensed to sell Oscar Health products. This website is operated by Vivna Insurance β€” not by Oscar Health or its affiliates. Oscar plans are offered through Vivna Insurance as an appointed, authorized broker in states where coverage is available. All plan information, quotes, and enrollment assistance provided on this page are facilitated by licensed Vivna Insurance agents. For details specific to your situation, speak with a licensed Vivna agent at 888-730-6001. See our Privacy Policy for how we handle your information.

Open Enrollment Tip

πŸ—“οΈ Oscar Members: Review Your Plan Before It Renews

Oscar keeps growing and adding new markets. However, prices, plans, and networks can still change each year. So even happy Oscar members should review their plan before it renews.

Read Your Renewal Notice

First, check next year’s premium, deductible, and drug list.

Confirm Your Doctors

Then make sure your doctors stay in the Oscar network.

Compare Every Option

Next, review prices and savings from every carrier.

Enroll by December 15

Finally, pick a plan so coverage starts January 1.

If you do nothing, your marketplace may simply renew your current plan. Still, a lower price or better network may be waiting. So compare Oscar with UnitedHealthcare, Ambetter, and Molina side by side. Also, read our open enrollment guide and avoid these costly health insurance mistakes.

How It Works

πŸ“± How Oscar Health Insurance Works

Oscar Health Insurance plans are ACA marketplace plans built around a simple digital experience. You pay a monthly premium, often lowered by tax credits. Then the plan helps pay for doctor visits, hospital care, prescriptions, and free preventive services.

Because most Oscar plans use an EPO network, in-network care matters most. So our licensed agents check your doctors and county before you enroll. Call 888-730-6001 at no cost.

πŸͺœ How to Use Your Plan

Set Up the Oscar App

First, create your account to see your ID card, claims, and benefits.

Try Virtual Care First

Then use virtual urgent care for quick help, often at no cost.

Stay In Network

Also, choose in-network doctors and pharmacies to keep costs low.

Ask Your Care Team

Finally, message your Care Team for help with doctors or bills.

πŸ’‘ Who Benefits Most

  • πŸ“± Busy people who like managing care by phone
  • πŸ’² Families who qualify for tax credits
  • πŸ’Ό Self-employed and gig workers
  • πŸ™οΈ Anyone near a strong local Oscar network

🧭 Oscar Plan Levels We Help You Compare

Bronze Plans

Lower premiums with higher costs when you need care.

Compare metal levels

Silver Plans

Extra savings on deductibles for eligible incomes.

See tax credit savings

Gold Plans

Higher premiums with lower costs at the doctor.

Compare copays and coinsurance

Dental & Vision

Add a stand-alone bundle for adult dental and eye care.

See bundled plans

⭐ Why Work With Vivna

Oscar is a strong choice for many shoppers, but networks differ by county. Therefore, we compare Oscar with UnitedHealthcare, Ambetter, Molina, and more for you. Best of all, our help is free.

Learn more in our Oscar plan options guide and our Oscar provider network guide, or visit our Oscar FAQ page. When you are ready, call 888-730-6001 or request a free quote.

Our Carrier Partners

🀝 Compare Oscar Health Insurance With Top Carriers

In fact, Oscar is one of several marketplace carriers we work with. So compare it side by side with these names to find the best price and network.

Carrier and plan availability vary by state. Call 888-730-6001 to see what’s available where you live.

Coverage by State

πŸ—ΊοΈ Find Oscar Health Insurance in Your State

Oscar Health Insurance is sold in a growing list of states and counties. So click your state to see local marketplace plans from Oscar and every other carrier we work with.

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareWashington, D.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingALAKAZARCACOFLGAHIIDILINIAKSKYLAMEMIMNMSMOMTNENVNMNYNCNDOHOKORPASCSDTNTXUTVAWAWVWIWYVTNHMARICTNJDEMDDC
Click a state to view local plansNot currently served

πŸ“ Browse All State Guides

Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, D.C. West Virginia Wisconsin Wyoming

Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6001 today.

Frequently Asked Questions

❓ Oscar Health Insurance FAQs

Oscar Health Insurance is known for virtual care and a simple app. Below, our licensed agents answer common questions about Oscar coverage, networks, savings, and enrollment.

πŸ“± Oscar Plans & Coverage

What is Oscar Health Insurance?

Oscar Health Insurance is a tech-focused carrier that sells ACA marketplace plans. Generally, its plans cover doctor visits, hospital care, prescriptions, and free preventive services. Plus, members manage their care in the Oscar app. Learn the basics in our Oscar plan options guide.

Does Oscar offer virtual care?

Yes. Many Oscar plans include $0 virtual urgent care by phone or video. As a result, you can see a doctor from home, often within minutes. However, benefits vary by plan, so check the details first. Also, see our health insurance cost breakdown.

What is the Oscar Care Team?

Every Oscar member gets a Care Team of guides and nurses. For example, they help you find doctors, book visits, and sort out bills. So you spend less time on hold. Also, learn how the claims process works.

πŸ₯ Networks & Availability

Can I see any doctor with an Oscar plan?

Usually not. Most Oscar plans are EPO plans, so you must use in-network doctors and hospitals. Only emergencies are covered out of network. Therefore, check your doctors before you enroll. Our guide to the Oscar provider network shows you how.

Is Oscar available in my state?

Oscar sells marketplace plans in a growing list of states and counties. In fact, Oscar keeps expanding into new markets. Still, plans differ by county. So check your area during open enrollment. Also, visit our state coverage hub to see local options.

Do Oscar plans cover pre-existing conditions?

Yes. Like every ACA marketplace plan, Oscar plans cover pre-existing conditions. In fact, Oscar cannot deny you or charge more because of your health. However, short-term plans follow different rules. Compare both in short-term vs. ACA coverage.

🀝 Savings & Enrollment

Can I get help paying for an Oscar plan?

Yes. Many households qualify for premium tax credits with Oscar marketplace plans. Plus, Silver plans can include extra savings on deductibles for eligible incomes. Learn how premium tax credits work, and review how deductibles work.

How do I enroll in Oscar Health Insurance?

Simply call 888-730-6001 or request a free quote online. First, we confirm Oscar plans in your county. Then we compare Oscar with UnitedHealthcare, Ambetter, and Molina. Finally, we help you enroll. Also, browse our Oscar FAQ page.

Answers are general, and plan details vary by carrier and state. Call 888-730-6001 to confirm your options.

Contact Vivna Insurance

πŸ“ž Questions About Oscar Health Insurance?

Oscar Health Insurance can be a great fit, but the right plan depends on your county, doctors, and budget. Therefore, our licensed agents compare Oscar with other top carriers for you.

Best of all, our help costs you nothing. Request your free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.

Official resources: the Oscar Health official website, HealthCare.gov, and the National Association of Insurance Commissioners.

BBB A+ Ratedβ€’U.S. Chamber of Commerce Memberβ€’Licensed Agents