Oscar plan options start with the usual ACA metal levels: Bronze, Silver and Gold, plus a catastrophic plan for some younger adults. On top of that, Oscar adds plans built around a health condition, $0 virtual urgent care on most plans, and a $3 drug list on many plans. Your ZIP code decides which ones you can buy.
- Oscar's broker site lists 2027 plan brochures for 21 states, and South Carolina is new for 2027.
- On average, Oscar's Bronze plans pay 60% of covered costs, Silver plans pay 70% and Gold plans pay 80%.
- Oscar also sells plans built for diabetes, asthma and COPD, heart and kidney health, and menopause in select states.
- Virtual urgent care costs $0 on most Oscar plans, but not on HSA-compatible or catastrophic plans.
- For 2027 coverage, no ACA plan can make you pay more than $12,000 for one person in covered in-network costs.
Where can you buy Oscar plan options?
Oscar Health sells individual and family plans under the Affordable Care Act (ACA). So every plan covers the ten essential health benefits, and none can turn you down for a pre-existing condition. For 2026, Oscar said it sold plans in 573 counties across 20 states.
Next year, the map grows a little. Oscar's broker resource site lists 2027 plan brochures for these 21 states:
However, Oscar rarely sells in every county of a state. In South Carolina, for example, the state insurance department says Oscar is new to the Marketplace for 2027 in six counties, including Charleston, Horry and York. So check your own county first, and see our South Carolina coverage guide if you live there.
Is Oscar a Florida option?
Yes. Oscar posted a 2027 Florida plan brochure and Florida plan grids for the coming year. That matters, because Cigna and Molina are leaving the Florida individual Marketplace for 2027. Our Florida health insurance guide lists the other carriers that still sell there. For the company itself, visit Vivna's Oscar Health carrier page.
Oscar plan options by metal level
The metal level doesn't change the quality of your care. Instead, it sets how you and Oscar split the bill. Oscar lists the plan's average share of covered costs like this:
| Metal level | Premium | Costs when you get care |
|---|---|---|
| Bronze | Lowest of the three | Highest, so it suits light users |
| Silver | Moderate | Moderate, plus extra savings if your income qualifies |
| Gold | Highest of the three | Lowest, so it suits frequent care |
Why Silver gets a second look
Cost-sharing reductions (CSRs) are extra savings that lower your deductible and copays. You only get them on a Silver plan, and only when your income qualifies. In fact, Oscar's 2027 plan grids list CSR versions of its Silver plans. Our guide to how premium tax credits are calculated shows how to check your income first.
Meanwhile, plan names add a label to the metal level, such as Silver Simple. Those labels change by state and year, so read the Summary of Benefits instead. Also see how bronze, silver and gold plans compare across every carrier.
Example: one person, two Oscar plan options
Here is a simple example with made-up prices, so you can see the math. Picture a Bronze plan at $380 a month and a Gold plan at $560 a month. In a quiet year with only a checkup, Bronze costs about $4,560 in premiums, while Gold costs about $6,720.
Now picture a year with surgery. If the Bronze plan's out-of-pocket limit is $10,000 and Gold's is $5,000, the totals flip. Bronze could reach $14,560, but Gold would top out near $11,720. So the cheaper premium isn't always the cheaper year.
Oscar health plans built for a condition
This is where Oscar stands apart. Besides standard plans, Oscar sells plans designed around one health need. For 2026, Oscar said these clinical plans included $0 primary and specialist visits, $0 screenings, low-cost drugs and free health coaching. Here is what its member FAQ lists:
| Plan | Built for | States listed |
|---|---|---|
| Diabetes Care | Diabetes | 13 |
| Breathe Easy | Asthma and COPD | 9 |
| Chronic Care CKM | Heart, kidney and metabolic health | 14 |
| HelloMeno | Perimenopause and menopause | 11 |
That said, these Oscar plan options sell only in certain areas, and the 2027 list may change. For example, HelloMeno appears in Arizona, Florida, Georgia and Texas, among others. So ask whether your ZIP code has one. Then read our guide to coverage choices for people with diabetes for what else to check.
A licensed Vivna agent can pull every Oscar metal level and condition plan for your ZIP code, then check your doctors and drugs, at no cost to you.
Perks built into Oscar insurance plans
Oscar adds a few member programs on top of the plan itself. They shouldn't decide which of your Oscar plan options wins. Still, they add real value when you use them, so compare them with the other carriers you're weighing.
- $0 Virtual Urgent Care, available 24/7 anywhere in the US, often in about 15 minutes
- A $3 drug list, where listed drugs cost $3 before or after your deductible
- Oscar Unlocks, which gives points for healthy actions and simple tasks like autopay
- A Care Team that helps you find in-network doctors and sort out bills
Fine print on the perks
- HSA-compatible and catastrophic plans don't get $0 virtual urgent care visits.
- The $3 drug list applies only to Oscar's non-standard plans.
- Rewards don't apply in New Jersey or Oklahoma, and you need a paid-up account.
Virtual visits also don't replace your in-person doctors. Our guide to how telehealth coverage works explains when a video visit makes sense.
HSA and catastrophic Oscar plan types
Some shoppers want the lowest premium and plan to save cash for care. In that case, two Oscar plan types deserve a look.
- Since 2026, Marketplace bronze plans count as HSA-eligible
- Oscar's HSA partner is HealthEquity
- You pay more before the deductible is met
- Mainly for adults under 30
- Premium tax credits can't apply to it
- Covers preventive care, then a high deductible
A low premium can hide a big bill. For 2027 coverage, the out-of-pocket limit can reach $12,000 for one person or $24,000 for a family. So before you pick Bronze or catastrophic, make sure you could cover that amount in a bad year.
Oscar plan options through an employer allowance
Some employers don't offer a group plan. Instead, they give workers a tax-free allowance through an ICHRA, now also called a CHOICE arrangement. You then buy your own individual plan, and the employer repays some or all of the premium. Oscar sells plans for these allowances, so the same metal levels and perks apply.
Also, the allowance changes how subsidies work. If your employer's offer counts as affordable, you can't also claim a premium tax credit. So ask HR for the monthly allowance amount before you shop. Our enrollment and ICHRA answers explain the rules in plain English.
How to choose among Oscar plan options
Start with your care, not the price tag. Then compare total yearly cost, which means a year of premiums plus what you'd likely spend on care. These quick matches help most callers.
Price a Bronze plan, and pair it with an HSA if you can save.
Start with Silver, because only Silver plans carry CSR savings.
Ask whether a condition plan sells in your county.
Compare Gold, since it usually costs less per visit.
Check the network before you enroll
Next, confirm that your doctors and hospital take the exact plan. Oscar plans mostly pay for in-network care only, except emergencies. Our guide on searching Oscar's doctor directory walks through each step. Also, our overview of HMO, PPO and EPO plan types explains why that rule matters.
Bring a list of your doctors, your prescriptions with dosages and last year's income. With those three things, we can price every Oscar plan in your county next to other carriers. We also flag which plans put your drugs on the $3 list.
Pick the network first, the metal level second, and the perks last.The order our licensed agents follow on every Oscar call
Want to compare carriers? See Ambetter's plan families and metal levels or UnitedHealthcare's Marketplace lineup. Then browse ACA and private plans for your ZIP code, or call 888-730-6001.
Oscar plan options: FAQs
What plans does Oscar Health offer?
Oscar sells ACA individual and family plans in Bronze, Silver and Gold, plus a catastrophic plan called Secure. In select states, it also sells plans built for diabetes, asthma and COPD, heart and kidney health, and menopause. Oscar also offers coverage through employer allowances called ICHRAs. Which Oscar health plans you can buy depends on your county.
Is Oscar an HMO or an EPO?
It depends on your state and plan. For example, Oscar's 2027 Florida grids show HMO plans on the Marketplace and an EPO sold off the Marketplace only. Both types generally pay for in-network care only, except emergencies. So check the plan type on the Summary of Benefits, and look for "Referrals Required" on your ID card.
Can I get a $0 premium Oscar plan?
Sometimes, if you qualify for a subsidy. When your income is low enough, the premium tax credit can cover the full premium on some Bronze plans. Keep in mind that a $0 premium plan usually has a high deductible. Also, enhanced credits ended after 2025, so credits stop above 400% of the poverty line for 2027.
When can I enroll in Oscar insurance plans?
Usually during Open Enrollment. For 2027 coverage, it runs November 1, 2026 through January 15, 2027 in HealthCare.gov states. Enroll by December 15 for a January 1 start. Outside that window, you need a qualifying life event, such as moving or losing other coverage. State-run exchanges can set different dates, so check yours early.
Do Oscar plans cover dental and vision?
Oscar's member FAQ says routine adult dental and vision aren't covered unless medically necessary. However, pediatric vision is included for children. So adults who want cleanings or glasses usually add a separate dental and vision plan. Our library of Oscar Health answers covers more questions like this one.
Vivna's licensed agents compare plans from 50+ carriers. Call Monday through Friday, 9am to 6pm.
Sources
- Oscar Health: Plans and network resources for brokers (2027 plan brochures)
- South Carolina Department of Insurance: Affordable Care Act Marketplace carriers
- Oscar Health: Member frequently asked questions
- CMS: 2027 premium adjustment and cost-sharing limits guidance
- Oscar Health: Health insurance for individuals and families
- Investor news release: Oscar's 2026 plan choices
Vivna Insurance is a licensed, independent health insurance agency (NPN 19168641). We are not affiliated with HealthCare.gov or any government agency. Plan availability, networks and benefits vary by state and change over time.
Related guides
Find Local Health Insurance Help
Plans, prices and help programs change by state and even by county. These local guides show what is available near you.
More local help: the Virginia health insurance guide, plus guides for Florida, Texas, Georgia and every state we serve.
Prefer to talk it through? Call 888-730-6001 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for free help from a licensed agent.
