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OSCAR
Creating a Better Future for Your Family
Oscar Health Coverage States: Arizona, California, Florida, Georgia, Illinois, Michigan, Mississippi, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia
Oscar Health, Inc. is an innovative healthcare technology company founded with the goal of making high-quality healthcare more accessible and affordable for everyone. Established in 2012, Oscar was created to rethink the traditional health insurance model by providing a service that is patient-centered and focused on individuals’ well-being, much like having a trusted family doctor. The company is driven by the belief that every American should have access to effective, high-quality, and affordable healthcare through solutions designed to meet a wide range of individual needs
Gold, Silver & Bronze Plans
Bronze Plans: Best for healthy individuals who want the lowest monthly premiums. Bronze plans provide essential coverage for unexpected medical expenses, with higher deductibles and out-of-pocket costs when you need care.
Silver Plans: A balanced option with moderate premiums and out-of-pocket costs. Great for individuals and families who expect routine care, with additional savings available for those who qualify.
Gold Plans: Ideal for those who use healthcare more often. Gold plans have higher monthly premiums but lower deductibles, copays, and coinsurance, helping reduce your costs when you receive care.
What You Need to Know About Your Costs
Your deductible is the amount you pay for covered healthcare services before your insurance starts contributing to the cost. After you've met your deductible, you'll typically pay copays or coinsurance according to your plan's benefits.
Your out-of-pocket maximum is the highest amount you'll have to spend on covered, in-network medical care during a plan year. Once you reach this limit, your health insurance covers 100% of eligible covered services for the remainder of the year.
Knowing the difference between these two costs can make it easier to compare health plans and choose the coverage that best fits both your healthcare needs and your budget
WHY
Oscar Plan Benefits
Oscar Health stands out by making healthcare simpler, more affordable, and easier to access. With a strong focus on technology, personalized support, and member-centered care, Oscar helps individuals and families better understand their coverage and get the care they need when they need it
Frequently Asked Questions
Who is eligible for an ACA Marketplace health insurance plan?
Most U.S. citizens and lawfully present immigrants can enroll in an Affordable Care Act (ACA) Marketplace health insurance plan. Eligibility depends on factors such as your household income, state of residence, and enrollment period. Many individuals and families also qualify for premium tax credits that can significantly lower their monthly premiums. Our licensed agents can help you determine your eligibility and find the best plan for your needs.
Can I enroll in an ACA health insurance plan outside of Open Enrollment?
Yes. If you've experienced a qualifying life event—such as losing employer coverage, getting married, having a baby, moving to a new state, or certain other changes—you may qualify for a Special Enrollment Period (SEP). This allows you to enroll in or change your health insurance plan outside of the annual Open Enrollment period. Contact us to see if you qualify.
How much does ACA health insurance cost?
The cost of an ACA health insurance plan depends on your age, household income, location, family size, and the plan you choose. Many people qualify for federal premium tax credits, making their monthly premium much lower than expected. In fact, some individuals and families may qualify for plans with $0 monthly premiums. Our licensed insurance agents can provide a free quote and help you compare all available options.
These FAQs are optimized around common search terms such as:
- ACA health insurance
- Marketplace health insurance
- Special Enrollment Period
- ACA eligibility
- Premium tax credits
- $0 health insurance plans
They're also written to encourage visitors to contact CFM Health for assistance while remaining accurate and user-friendly.
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