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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
A Better Approach to Employee Health Benefits
Health Benefits That Work for Today's Businesses
Traditional group health plans don't always meet the needs of today's workforce. With an ICHRA, employers provide a fixed monthly allowance, and employees choose the ACA-compliant health plan that works best for them.
For Small Businesses
Give your team quality health coverage, even if your business has only a handful of employees.
For Growing Companies
Whether your workforce is remote, in-office, full-time, or part-time, ICHRA offers the flexibility to support every employee.
For Brokers
Expand your benefits solutions with a modern option that helps clients provide personalized health coverage.
How ICHRA Works
1. Employers Set a Monthly Budget
Employers contribute a tax-free monthly allowance for eligible healthcare expenses while keeping benefit costs predictable.
2. Employees Compare Plans
Employees browse ACA-compliant individual health plans available in their area and select the coverage that fits their needs and budget.
3. Employees Choose Their Coverage
Each employee picks the plan they prefer, with the freedom to keep it or change plans during future enrollment periods as their needs evolve.
Making Health Insurance Simple
The U.S. healthcare system is one of the most expensive in the world, yet many individuals and families continue to face high medical costs, limited price transparency, and a complicated insurance experience. Finding affordable, high-quality healthcare can often be confusing and overwhelming.
Oscar was created to make health insurance simpler, more accessible, and more affordable. By combining innovative technology with personalized member support, Oscar helps people understand their coverage, compare options, and access the care they need with confidence.
Built around a digital-first approach and value-based care, Oscar focuses on improving the member experience while helping reduce healthcare costs. Through easy-to-use tools, trusted provider networks, and customer-focused service, Oscar is working to create a healthcare experience that is more transparent, efficient, and centered on the needs of every member.
WHY
Why Choose Oscar Health?
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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