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Oscar Health Bronze Classic 4700 is a 2026 Texas individual and family health insurance plan with an Exclusive Provider Organization (EPO) network. The plan lists an individual deductible of $4,700 and a family deductible of $9,400. Its out-of-pocket maximum is $9,800 for an individual and $19,600 for a family. Eligible in-network preventive care is covered at no charge. The plan summary lists a $70 primary care copay, a $125 specialist copay, a $125 urgent care copay, and a $3 copay for Tier 1 generic prescriptions. Many hospital services and other care are subject to 50% coinsurance after the deductible. Premiums are provided separately and vary with location and applicant circumstances.
$4,700 individual deductible; $3 Tier 1 generic prescription copay; no specialist referral required
The Bronze Classic 4700 plan has a lower deductible than Oscar Health Bronze Classic Standard, but members can still face substantial costs when using hospital, emergency or diagnostic services. Its listed office-visit copays provide clearer prices for some routine care, and Tier 1 generic prescriptions have a $3 copay. However, the plan uses an EPO network, so members should confirm that their providers are in-network before receiving non-emergency treatment. The plan document does not establish a universal premium; the actual rate depends on the applicant and location.
Oscar Health
Key Insights
Founded
2012
Oscar Health was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
0% CSR, calculated as a 3-year average
Oscar Health settles 0% of all claims it receives.
Network Hospitals
60,000+ Providers
Oscar Health has a network of 60,000+ Providers hospitals, ensuring wide accessibility and convenience for policyholders.
The individual deductible is $4,700 and the family deductible is $9,400. The out-of-pocket maximum is $9,800 for an individual and $19,600 for a family.
Premiums, balance-billing charges and non-covered services are not included in the out-of-pocket maximum.
Eligible in-network preventive services are covered at no charge under the applicable plan terms.
Additional diagnostic or non-preventive services during a visit may have cost sharing.
The plan summary lists a $70 copay for a primary care office visit.
Confirm network participation and the detailed cost-sharing rules before treatment.
The plan summary lists a $125 specialist office-visit copay. A referral is not required.
Provider network and service-specific terms still apply.
Tier 1 generic prescriptions have a listed $3 copay. The medical deductible applies to the plan’s prescription coverage structure.
Check the current formulary, pharmacy network and drug tier before filling a prescription.
Oscar-related supplemental-plan information lists dental options, including options with vision coverage, and a dental, vision and hearing option for eligible members.
Separate supplemental coverage; confirm current Texas availability, eligibility, benefits, exclusions and price before purchase.
A separately offered accident plan may provide additional financial benefits for covered accidental injuries, subject to its own policy terms.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Oscar Health plans and claim process
It is a 2026 Texas individual and family health insurance plan with an EPO network. Confirm the current service area and enrollment availability with Oscar Health.
The plan summary lists an individual deductible of $4,700. Many services require the deductible to be met before coinsurance applies.
The plan summary lists a family deductible of $9,400. Check the official policy for how individual and family deductible amounts apply.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Oscar Health website before purchasing.
Contact Details
1-855-672-2788
Headquarters: 75 Varick Street, 5th Floor, New York, NY 10013, United States
Official Website
hioscar.com
Visit the official Oscar Health website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Not a benefit automatically included in this Oscar medical plan. Confirm availability and the exact benefit schedule.
A separately offered supplemental product is listed for additional financial support related to specified serious conditions.
Separate policy and eligibility requirements apply. Do not assume it pays every medical bill or covers every diagnosis.
Supplemental life insurance is listed among the optional products offered through Oscar-related supplemental-plan information.
Separate life insurance product; verify current availability, underwriting and policy terms.
The listed maximum is $9,800 for an individual and $19,600 for a family. Premiums and non-covered services are generally excluded.
The plan summary lists a $70 copay for a primary care office visit. Confirm the applicable service and provider network.
The plan summary lists a $125 specialist office-visit copay and states that a referral is not required.
Eligible in-network preventive care is covered at no charge under the plan terms. Other services provided during the visit may have cost sharing.
The plan summary lists a $125 urgent care copay. Confirm the facility is in-network and review the policy for applicable exceptions.
Tier 1 generic prescriptions have a listed $3 copay. Drug coverage depends on the formulary, pharmacy network and applicable plan rules.
Many hospital facility and physician services have 50% coinsurance after the deductible. Check the official SBC for the specific service.
This is an EPO plan, so routine non-emergency out-of-network care is generally not covered. Emergency care follows applicable plan and legal rules.
The plan document provides premium information separately. The actual premium depends on factors such as location, age, household details and financial assistance.