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Oscar Health Bronze Classic Standard is a 2026 Texas individual and family health insurance plan with an Exclusive Provider Organization (EPO) network. The plan has a $7,500 individual deductible and a $15,000 family deductible, with an individual out-of-pocket maximum of $10,000 and a family maximum of $20,000. Eligible in-network preventive care is covered at no charge. Primary care, specialist visits, urgent care and Tier 1 generic prescriptions have specified copays, while many other services require the deductible to be met before coinsurance applies. Premiums vary by location, age, household details and eligibility for financial assistance.
In-network preventive care at $0; primary care visits for $50; no specialist referral required
This plan may suit members who want defined copays for common outpatient visits while accepting a high deductible for many other services. The EPO network means members should check that their doctors, hospitals and other providers are in-network before receiving non-emergency care. The $7,500 individual deductible and $10,000 individual out-of-pocket maximum can leave members paying substantial costs for hospital care, imaging and other deductible-subject services. The premium cannot be stated accurately without the applicant’s location and rating details, so it is intentionally left blank.
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 $7,500 and the family deductible is $15,000. The individual out-of-pocket maximum is $10,000 and the family maximum is $20,000 for covered in-network essential health benefits.
Premiums and services not covered by the plan do not count toward the out-of-pocket maximum.
Eligible in-network preventive services are covered at no charge when applicable plan and federal preventive-care requirements are met.
Non-preventive services provided during the same visit may have cost sharing.
Primary care office visits have a $50 copay and are not subject to the deductible.
Confirm the provider is in the plan network.
Specialist office visits have a $100 copay and do not require a referral under the plan summary.
The applicable copay and coverage rules depend on the service received.
In-network urgent care visits have a $75 copay. Designated Oscar virtual urgent care is covered in full under the plan terms.
Out-of-network urgent care may have limited coverage in specified circumstances; check the policy.
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. Check the official plan documents for the service area and current enrollment availability.
The plan summary lists an individual deductible of $7,500. Many services require the deductible to be met before coinsurance applies.
The plan summary lists a family deductible of $15,000. Review the official policy documents for how the family deductible applies to covered members.
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 out-of-pocket maximum is $10,000 for an individual and $20,000 for a family for covered in-network essential health benefits. Premiums and non-covered services are generally excluded.
The plan summary lists a $50 primary care office-visit copay that is not subject to the deductible.
The plan summary lists a $100 specialist office-visit copay and states that a referral is not required. Check network participation before booking.
Eligible in-network preventive care is covered at no charge under applicable plan terms. Additional diagnostic or non-preventive services may have cost sharing.
In-network urgent care visits have a stated $75 copay. Designated Oscar virtual urgent care is covered in full under the plan terms.
Tier 1 generic prescriptions have a $25 copay without the deductible applying first. Other tiers have different cost shares, and the formulary and pharmacy rules apply.
The plan summary lists 50% coinsurance after the deductible for many hospital facility and physician services. Confirm the exact service, network status and authorization requirements.
This is an EPO plan, so routine non-emergency out-of-network care is generally not covered. Emergency care is subject to applicable emergency-care rules. Check the policy for details.
A reliable premium cannot be stated without applicant-specific information such as location, age, household details and applicable financial assistance. The official plan summary provides premium information separately.