Oscar Health Insurance Review

Tech-forward health insurance with free telemedicine, Oscar Unlocks rewards, and simple plans.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Oscar is built around its app, with free 24/7 telemedicine, a concierge team that navigates care for you and simple plans. It's sold in a limited number of states, its provider network is smaller than established carriers', and step rewards cap at $1 a day. Check that your doctors are in network before you enroll.

Skip it if Oscar isn't sold in your state, or your doctors aren't in its smaller network.

About Oscar Health Insurance

Tech-forward health insurance with free telemedicine, Oscar Unlocks rewards, and simple plans. Oscar Health Insurance is offered by Oscar Health. Our editorial rating is 4.6 out of 5.

Best for: Tech-savvy individuals who prefer digital-first healthcare.

Editorial grade: A- (composite score 87/100).

Highlights

Free 24/7 telemedicine visits
Oscar Unlocks rewards program for healthy activities
Concierge team navigates care for you

What we like

Excellent mobile app and digital experience
Free unlimited telemedicine
Simple plan structures easy to understand

Where it falls short

Limited availability (20 states in 2026)
Smaller provider network than established carriers

Fees, minimums, and rates

Monthly fee: Varies by plan and location. Minimum to open: N/A. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Oscar Health. It is built from Oscar Health's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Health Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.