Oscar Health is a health insurance company and technology platform founded in 2012, headquartered in New York City and serving approximately 1.7 million members across 18 US states. The company operates across individual and family plans, small group products, and Medicare Advantage offerings. What distinguishes Oscar from traditional insurers is its full-stack technology platform, built in-house from the ground up, which underpins its entire insurance business.
The technology stack supports a range of digital care services integrated directly into the member experience. These include 24/7 virtual urgent care (with 97% member satisfaction), dedicated care teams for care coordination, and a Care Router tool that 76% of members use to navigate to appropriate care resources. The company also operates a pharmacy benefit offering $3 prescriptions for certain medications. This combination of insurance products and embedded digital services creates an integrated experience designed to reduce friction in healthcare access.
Oscar went public on the New York Stock Exchange in 2021. The company reports a Net Promoter Score of 66 and indicates that 68% of members trust it to advise them on care decisions. The platform represents a technical infrastructure challenge spanning claims processing, eligibility, care coordination, telemedicine delivery, and member-facing digital tools - all areas where technology teams would be involved in ongoing development and scaling.