Who they are
Oscar Health (NYSE: OSCR) is a technology-driven health insurer focused on the ACA individual marketplace, and one of the largest exchange players, with more than three million members. For 2026 it offers plans in 573 counties across roughly 20 states, including new entries in Alabama and Mississippi.
Levels of care
Oscar's plans include behavioral health benefits across levels of care — inpatient psychiatric, detoxification, residential treatment, partial hospitalization (PHP), intensive outpatient (IOP), and outpatient — with coverage varying by plan.
Websites & portals
- hioscar.com
Oscar Health member and plan site.
Scope
Multi-state, ACA individual marketplace. For 2026, plans in 573 counties across roughly 20 states.
Notable context
Oscar is a fourth payer archetype for this page: the exchange-market insurtech. For facilities in exchange-heavy markets, the individual / ACA marketplace is its own contracting world, distinct from commercial group and Medicaid.
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