Oscar Health in Florida
Oscar Health is a technology-driven health insurer designed to make insurance simple, intuitive, and human. Built for the digital age, available in Florida.
Who is Oscar?
Oscar Health is a tech-first health insurance company that launched in 2012 with a mission to make health insurance simple, intuitive, and human. Their app-first approach puts everything at your fingertips.
In Florida, Oscar offers individual and family ACA plans with free 24/7 Doctor on Call, a concierge team assigned to you, and easy-to-use digital tools that make managing your health effortless.
Simplicity
Insurance that's easy to understand and use.
Technology
Built by engineers and designers, not just actuaries.
Human Touch
Real people behind every plan — your concierge team.
Transparency
Clear pricing, no surprise bills, honest communication.
Why Choose Oscar Health in Florida?
Highlights of what this carrier offers Florida residents.
App-First Design
Best-in-class app for finding care, claims, and ID cards.
Doctor on Call
Free 24/7 telehealth visits with no copay, ever.
Concierge Team
A dedicated team assigned to you for any questions.
Step Rewards
Earn Amazon gift cards for hitting your daily step goals.
Oscar Health Plans Available in Florida
Compare plan types and find the coverage that fits your needs and budget.
Individual & Family
ACA-compliant plans for individuals and families under 65, available on and off the marketplace.
- ✓ HMO & PPO options
- ✓ $0 preventive care
- ✓ Prescription drug coverage
- ✓ Mental health services
- ✓ Telehealth included
Medicare Supplement
Fill the gaps in Original Medicare with Cigna Medigap plans for Florida residents 65+.
- ✓ Plan G, N, and more
- ✓ No network restrictions
- ✓ Guaranteed renewable
- ✓ Predictable costs
- ✓ Travel emergency coverage
Group / Employer
Custom group health solutions for Florida businesses of all sizes with flexible plan designs.
- ✓ Tailored proposals
- ✓ Employee enrollment support
- ✓ Dental & vision add-ons
- ✓ Wellness programs
- ✓ Dedicated account manager
Explore Other Florida Carriers
We work with all major carriers. Compare them side-by-side to find your best fit.
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Top 2026 Oscar plans - details and ratings
Oscar’s Florida story for 2026: its EPO entity moved off-exchange and a new Oscar HMO entity joined the marketplace, including AdventHealth co-branded plans in the Orlando area. Oscar has had some of the mildest rate changes in Florida two years running. Networks are narrow and curated - check your doctors. Representative 2026 plans below; cost sharing confirm at quote.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
Oscar Bronze Classic
Mainstream bronze on the curated Oscar network.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Bronze Classic Standard
The standardized bronze design.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Bronze Simple - HSAHSA-Eligible
HSA-qualified high-deductible design.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Classic Silver
Mainstream silver - the CSR check belongs here.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Bronze Classic Standard with AdventHealthOrlando
Co-branded plan built around the AdventHealth system.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
We have not found enough verifiable public member commentary on Oscar’s Florida plans to quote fairly - your rating above genuinely helps the next shopper.
Oscar rate filing history
Every year Florida insurers file individual-market rate changes with the Florida Office of Insurance Regulation. Here is this carrier’s public record - statewide average changes, not your personal premium:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2020 | +2.7% | +2.9% | First FL years |
| 2021 | +1.4% | +2.9% | |
| 2022 | +1.4% | ||
| 2023 | +6.2% | ||
| 2024 | +4.3% | ||
| 2025 | +4.8% | ||
| 2026 | +13.3% | +28.9% | New HMO entity on-exchange |
| 2027 | +4.2% (EPO) / +10.4% (HMO) | pending | Among the mildest 2027 requests |
Sources: Florida Office of Insurance Regulation "Individual PPACA Market Monthly Premiums" annual filings (approved figures), ratereview.healthcare.gov, and ACA Signups Florida tables. 2018 approved figures include the one-time CSR silver load. Figures are market averages, not your personal premium; subsidies can absorb much of an increase.