Health Insurance Comparison
Oscar Health vs Aetna vs Cigna
Side-by-side comparison of Oscar Health vs Aetna vs Cigna health insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Oscar Health is essentially tied with Aetna and Cigna in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Oscar Health | Aetna | Cigna | |
|---|---|---|---|
| Overall score | 4.25 /5 ★★★★★ Highest overall | 4.20 /5 ★★★★★ | 4.18 /5 ★★★★★ |
| National rank | #3 | #5 | #6 |
| Avg. annual rate | $2,580 Varies by plan | $2,736 Varies by plan | $2,628 Varies by plan |
| Avg. monthly | $215 | $228 | $219 |
| Best for | Oscar Health is a tech-first health insurance with concierge care teams and 0-cost virtual urgent care | Aetna is a cVS-affiliated health insurance with strong national network and MinuteClinic integration | Cigna is a global health insurer with strong mental health benefits and expat coverage options |
| Read full review | Oscar Health review → | Aetna review → | Cigna review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Oscar Health | Aetna | Cigna |
|---|---|---|---|
| Customer experience | 5.00 · #1 | 4.40 · #5 | 4.25 · #6 |
| Coverage breadth | 4.70 · #3 | 4.55 · #4 | 4.40 · #5 |
| Affordability | 4.55 · #4 | 4.40 · #5 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Oscar Health
Full review →Pros
- Concierge Care team via app for personalized member support
- $0 virtual urgent care for members
- Best-in-class mobile app and member experience
- Strong digital tools including prescription tracking
- Available in many state ACA marketplaces
Cons
- Limited geographic availability compared to nationwide carriers
- Provider network smaller than legacy carriers in many markets
- Newer carrier with less long-term track record
- Mixed financial strength ratings
Aetna
Full review →Pros
- CVS-affiliated — discounts at CVS HealthHUB locations
- Strong national provider network
- Comprehensive plan options across employer and individual markets
- MinuteClinic visits at low or no cost for many plans
- Strong behavioral health network
Cons
- Customer satisfaction scores below industry leaders
- Plan structures can be complex with many add-ons
- Provider network varies significantly by region
- Less innovative than tech-first competitors
Cigna
Full review →Pros
- Strong behavioral health and mental wellness network
- Global plans available for expats and frequent travelers
- Pharmacy management through Express Scripts
- Comprehensive virtual care options
- Robust employer-sponsored plans
Cons
- Customer satisfaction scores below top carriers
- Provider network varies by region
- Limited availability in some ACA marketplaces
- Higher base rates for some individual plans
Coverage at a glance
What each carrier offers in standard policies.
Oscar Health
Oscar Health offers a comprehensive coverage menu typical of major health insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Virtual Urgent Care — Telehealth visits for urgent but non-emergency care
- Prescription Drug Coverage — Standard tier-based prescription benefits
- Maternity Care — Full pregnancy, delivery, and postpartum coverage
Aetna
Aetna offers a comprehensive coverage menu typical of major health insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- CVS MinuteClinic Access — Walk-in visits at MinuteClinic locations
- Behavioral Health — Mental health and substance abuse coverage
- Aetna Better Health (Medicaid) — Managed Medicaid in participating states
Cigna
Cigna offers a comprehensive coverage menu typical of major health insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Cigna Global — International health coverage for expats and frequent travelers
- Behavioral Health — Mental health and substance abuse coverage
- Express Scripts Pharmacy — Mail-order and retail prescription benefits
The bottom line
Oscar Health
Oscar Health earns an overall score of 4.25/5 in QuoteYeti's health insurance provider rankings. The carrier ranks #3 nationally, with particular strength in customer experience.
Oscar Health is best suited for members who value strong customer service over the lowest price. Limited geographic availability compared to nationwide carriers is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Aetna
Aetna earns an overall score of 4.2/5 in QuoteYeti's health insurance provider rankings. The carrier ranks #5 nationally, with particular strength in specific specialty areas.
Aetna is best suited for members who want a balance of price and service from an established carrier. Customer satisfaction scores below industry leaders is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Cigna
Cigna earns an overall score of 4.18/5 in QuoteYeti's health insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Cigna is best suited for members who want a balance of price and service from an established carrier. Customer satisfaction scores below top carriers is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.