Key takeaways
Oscar Health ranks #4 for affordability among major health insurance carriers, with average rates of $215 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #1 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #3 — see the coverage section below for which add-ons set Oscar Health apart.
Oscar Health ratings
How much does Oscar Health cost?
Oscar Health health insurance costs members $215 monthly on average, or $2,580 annually — Varies by plan compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Oscar Health typically prices different member profiles.
Avg monthly
$215
Avg annual
$2,580
vs. national avg
Varies by plan
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Low-risk members | $183 | $215 | #4 |
| Average members | $215 | $247 | #4 |
| Higher-risk members | $301 | $344 | #5 |
Oscar Health earns #3 overall in our health rankings — the kind of performance that rewards a closer look, not a coin flip.
Oscar Health reputation
Oscar Health ranks #1 in QuoteYeti's customer experience study for health insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.89 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customers consistently praise Oscar Health for responsive service and smooth claims experiences.
Step 01
Buying process
Buying coverage from Oscar Health is a strong experience for most members. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at Oscar Health is straightforward, with self-service through both the mobile app and web portal. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at Oscar Health performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most members report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | B++ (Good) | Good or above-average financial strength |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | Not rated | Adequate financial capacity |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 703/1,000 | Near industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.89 | Near the expected level of complaints |
Oscar Health discounts
Oscar Health offers 1 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Subsidy Eligibility | Variable | ACA marketplace subsidies based on household income |
Oscar Health coverage options
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 | What it covers | Key features |
|---|---|---|
| Virtual Urgent Care | Telehealth visits for urgent but non-emergency care | $0 copay for Oscar members |
| Prescription Drug Coverage | Standard tier-based prescription benefits | Concierge Care team helps with affordability options |
| Maternity Care | Full pregnancy, delivery, and postpartum coverage | Included as essential health benefit |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro 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
What's not
- Top con 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
Our verdict
The bottom line
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.
Frequently asked questions
Is Oscar Health a good health insurance company?
Oscar Health is a legitimate health insurance carrier with a financial-strength rating of B++ (Good). It ranks #3 overall and #4 in affordability in QuoteYeti's editorial comparison of major health insurance providers.
How much does Oscar Health health insurance cost?
Oscar Health averages $215 monthly ($2,580 annually) — Varies by plan versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Oscar Health typically prices different members.
What discounts does Oscar Health offer?
Oscar Health offers 1 primary discounts, including Subsidy Eligibility. See the full discount table above for eligibility and average savings.
Does Oscar Health have good claims handling?
Oscar Health's NAIC complaint ratio is 0.89 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate 703/1,000.
Should I choose Oscar Health or a competitor?
Oscar Health is strongest for members who prioritize customer service quality. Compare quotes from at least three carriers — Oscar Health's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for members in different situations.
How we rated Oscar Health
QuoteYeti's health insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple members profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.