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Oscar Health Gold Classic Standard is a 2026 Texas individual and family marketplace health insurance plan. The published plan grid lists a $2,000 individual / $4,000 family medical deductible and an $8,200 individual / $16,400 family out-of-pocket maximum. The pharmacy deductible is integrated with the medical deductible. The plan grid lists a $30 primary care visit cost, $60 specialist visit cost and 25% coinsurance after the deductible for emergency room care. Prescription costs vary by tier. This plan is identified as an EPO, so members should check the applicable provider network and plan documents before receiving care.
$2,000 individual deductible; $8,200 individual out-of-pocket maximum
Gold Classic Standard combines a Gold metal tier with a deductible and service-specific copays or coinsurance. The official 2026 Texas plan grid lists a $2,000 individual deductible, an $8,200 individual out-of-pocket maximum, $30 primary care visits and $60 specialist visits. It also lists 25% coinsurance after the deductible for emergency room care, inpatient and outpatient facility fees, labs, diagnostic imaging and advanced imaging. The pharmacy deductible is integrated with the medical deductible. Confirm the current provider directory, formulary, prior authorization rules and Summary of Benefits and Coverage before enrolling.
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 $2,000 individual and $4,000 family medical deductible.
The deductible applies to services according to the official benefit schedule.
The official grid lists an $8,200 individual and $16,400 family out-of-pocket maximum.
Check the policy for eligible expenses counted toward this limit.
The published plan grid lists a $30 member cost for primary care office visits.
Confirm the applicable service and network rules in the plan documents.
The published plan grid lists a $60 member cost for specialist office visits.
Referral and network requirements may apply under the plan.
The official grid lists 25% coinsurance after the deductible for emergency room services.
Refer to the plan documents for emergency-care and facility billing details.
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.
Covered services may be subject to deductibles, copays, coinsurance, network restrictions, prior authorization and medical-necessity requirements. Consult the official policy 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 identified as an EPO.
The official plan grid lists a $2,000 individual medical deductible.
The official plan grid lists a $4,000 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 official grid lists $8,200 for an individual. Refer to the policy for expenses counted toward the limit.
The official grid lists $16,400 for a family.
The published 2026 grid lists a $30 member cost for primary care visits.
The published grid lists a $60 member cost for specialist visits.
The official grid lists 25% coinsurance after the deductible for emergency room services.
The published grid indicates that the pharmacy deductible is integrated with the medical deductible.
The official grid lists $15 for preferred generic Tier 1a prescriptions.
The published grid lists $30 for preferred brand Tier 2 prescriptions. Check the current formulary for your medicine’s tier.
Premiums depend on applicant details, location and any applicable financial assistance. Review the official Oscar plan documents, provider directory and Summary of Benefits and Coverage for the available plan.