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Health Insurance Review📱 Best Virtual-First Health Plan

Oscar Health Marketplace Plans

Oscar Health

ACA marketplace HMO, EPO & PPO plans with virtual-first care. Typical cost $440–$700/month.

At a Glance

Category

Health Insurance

Typical Monthly Cost

$440–$700

AM Best Rating

NR (not AM Best-rated; Oscar Health is a publicly traded ACA-focused insurer regulated at the state level)

Coverage Type

ACA marketplace HMO, EPO & PPO plans with virtual-first care

Term / Plan Type

Bronze / Silver / Gold tiers

Key Features

Free 24/7 virtual urgent care and primary care visits on most plans

Premiums typically run below the national ACA marketplace average

Oscar app centralizes billing, care-team messaging, and Rx pricing

Pros & Cons

Pros

  • Virtual-care-first model helps lower routine-care costs
  • Competitive, below-average marketplace premiums
  • User-friendly app and member experience

Tradeoffs

  • Available in a more limited set of states/counties than national insurers
  • Not rated by AM Best, making financial-strength comparisons harder

Best for: Tech-savvy individuals who want a virtual-first, app-based health plan

Frequently Asked Questions

How much does Oscar Health Marketplace Plans typically cost?

Oscar Health policies like this typically run $440–$700/month, though your actual premium depends on your location, coverage limits, and personal risk factors.

Does Oscar Health have an AM Best rating?

Oscar Health is listed as NR (not AM Best-rated; Oscar Health is a publicly traded ACA-focused insurer regulated at the state level). “Not rated” is not the same as a weak rating; it means this plan organization is not covered by that AM Best rating. Compare plan quality, regulatory filings, network access, and the official Summary of Benefits and Coverage instead of treating NR as a letter grade.

Who is Oscar Health Marketplace Plans best for?

Tech-savvy individuals who want a virtual-first, app-based health plan.

Other Insurance

UnitedHealthcare Marketplace Plans

ACA marketplace medical, dental & vision plans

Kaiser Permanente Health Plans

Integrated HMO medical, pharmacy & preventive care

Blue Cross Blue Shield Marketplace Plans

ACA marketplace PPO, HMO & EPO plans

Premiums shown are illustrative national averages as of 2026 and vary by state, coverage limits, and personal risk factors — get a personalized quote directly from the provider.

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