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Oscar Health Gold Classic is a 2026 Texas individual and family health insurance plan. The published plan documents identify it as an EPO plan. The official 2026 Texas plan grid lists a $2,500 individual / $5,000 family medical deductible and an $8,000 individual / $16,000 family out-of-pocket maximum. The pharmacy deductible is integrated with the medical deductible. The prescription schedule lists $3 for preferred generic Tier 1a drugs, $20 for non-preferred generic Tier 1b drugs and $50 for preferred brand Tier 2 drugs. The exact premium, provider network and service-level costs depend on the available plan and applicant circumstances.
$2,500 individual deductible; $8,000 individual out-of-pocket maximum
Gold Classic has a higher metal tier than Silver plans, but the exact value depends on premium, expected healthcare use, provider access and prescription needs. The official 2026 Texas grid lists a $2,500 individual deductible and an $8,000 individual out-of-pocket maximum. The pharmacy deductible is integrated with the medical deductible. The published grid lists $3 for preferred generic prescriptions and $50 for preferred brand prescriptions, while non-preferred brand and specialty drugs may have percentage-based cost sharing after the deductible. Review the official Summary of Benefits and Coverage, formulary and provider directory before choosing this plan.
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 official 2026 Texas plan grid lists a $2,500 individual and $5,000 family medical deductible.
The deductible may apply before the plan pays for certain covered services.
The official grid lists an $8,000 individual and $16,000 family out-of-pocket maximum.
Refer to the policy for eligible expenses counted toward the limit.
The published plan grid indicates that the pharmacy deductible is integrated with the medical deductible.
Prescription cost sharing depends on drug tier and the applicable benefit rules.
The published 2026 grid lists a $3 member cost for preferred generic Tier 1a drugs.
Check the current formulary to confirm a medicine’s tier.
The published grid lists a $20 member cost for non-preferred generic Tier 1b drugs.
Formulary placement and pharmacy requirements apply.
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.
Waiting periods, coverage limitations, exclusions and prior authorization requirements are governed by the official policy and benefit documents.
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 Gold-tier health insurance plan. The published plan document identifies it as an EPO plan.
The official plan grid lists a $2,500 individual medical deductible.
The official plan grid lists a $5,000 family medical deductible.
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 published grid lists $8,000 for an individual. Check the policy for which expenses count toward this limit.
The official 2026 Texas grid lists $16,000 for a family.
The published grid indicates that the pharmacy deductible is integrated with the medical deductible.
The 2026 grid lists $3 for preferred generic Tier 1a drugs.
The published grid lists $20 for non-preferred generic Tier 1b drugs.
The published grid lists $50 for preferred brand Tier 2 drugs.
The published grid lists 50% cost sharing after the deductible for non-preferred brand Tier 3 and specialty Tier 4 drugs. Confirm the applicable formulary and plan terms.
This plan is identified as an EPO. Check Oscar’s provider directory and policy rules before receiving care, especially outside the network.
Premiums depend on applicant details and location. Consult Oscar’s official plan documents, Summary of Benefits and Coverage, provider directory and prescription formulary for the plan available in your area.