Oscar

We’re making a healthier life accessible and affordable for all.

Oscar is the first health insurance company built around a full stack technology platform and a relentless focus on serving our members. We started Oscar in 2012 to create the kind of health insurance company we would want for ourselves—one that behaves like a doctor in the family.

We believe every American deserves access to affordable, high-quality health care that fits their life – whether families seeking coverage that works for toddlers and their busy parents, adults with chronic conditions who know their care providers by their first names, seniors choosing a benefits package that will serve them throughout their retirement years – and everyone in between.

Powered by our own differentiated full stack technology platform, we have built a suite of services that enable us to earn our members’ trust, leverage the power of personalized data, and help our members find quality care they can afford. We are proud to have earned industry-leading levels of trust, engagement, and customer satisfaction from the approximately 1M+ members who have chosen Oscar. 1

As we continue to bring the Oscar experience to new members, new states, and new markets, our goal will remain the same: to build engagement, earn trust, and help our members live healthier lives.

Solving for the biggest challenges and frustrations with U.S. health care.

The U.S. health care system is the world’s largest and most expensive, yet health outcomes are worse than in other advanced economies. It shouldn’t be this way, and at Oscar, we believe it doesn’t have to be.

We’re tackling health care’s biggest problems to provide more Americans with access to the affordable, high-quality health care they deserve. That starts with reorienting consumers’ expectations of their insurer, and earning something that is all too rare in the health insurance industry: member trust.

Oscar Member Engagement:

Through the power of the Oscar Member Engagement Engine, we earn member trust, leverage personalized data, and help our members find quality care they can afford.

• 68% members trust Oscar to advise them on how and where to get care.

• 44% of Oscar members are digitally engaged with their online account.

• 50 Net Promoter Score (NPS).

• 76% of Oscar members have interacted with our digital or Care Team channels.

• 97% satisfaction among members for virtual care delivery.

• 76% of members utilize Oscar's Care Router.

What we’ve accomplished

We founded Oscar in 2012 to provide consumers with access to the affordable, high-quality health care they deserve. We began by offering health plans in the Individual market because we believed it was where our member-first approach would set us apart. After a decade of selling health insurance in the Individual market, our strategy has proved out.

Oscar is a leader in the ACA market, and we expanded to Small Group in 2017 and Medicare Advantage in 2020. As of March 31, 2023, we have at least one health plan in 577 counties across 20 states.