Oscar is not offered on Covered California for 2027
Updated November 2026
Oscar stopped selling individual plans in California after 2023 and is not one of the 2027 Covered California carriers. If you had Oscar, or you were looking for it, these are the carriers you can choose from for 2027:
- Anthem Blue Cross
- Blue Shield of California
- Balance by CCHP
- CalOptima (new for 2027, Orange County)
- Health Net
- IEHP
- Kaiser Permanente
- L.A. Care
- Molina
- Sharp Health Plan
- Valley Health Plan
- Western Health Advantage
The benefit tables below are Covered California’s standard designs. Deductibles and copays are the same for every carrier in a metal tier, so they still show what a 2027 plan covers. Open enrollment runs November 1, 2026 through January 31, 2027. Pick a plan by December 31 for coverage that starts January 1.
Oscar Health Plan Covered California Plans 2027
Cost sharing is standardized in California. Covered California sets identical deductibles, copays and out-of-pocket maximums for every carrier within a metal tier, so what actually differs between carriers is premium, network and service area. See the 2026 side-by-side benefit designs, including the Enhanced Silver plans available under about 250% of the poverty level.
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| Bronze 60 EPO | |
| Deductible (Individual/Family) | $6,300 |
| Out-of-Pocket Maximum (Individual/Family) | $6,800 |
| Doctor Visit | |
| Primary Care Office Visit | First 3 visits at $75 copay before deductible |
| Specialty Care Office Visit | $105 copay before deductible |
| Other Practitioner Office Visit | $75 copay beore deductible |
| Preventive Care/Screening/Immunization | No charge |
| Tests | |
| Lab Tests | $40 copay |
| X-Rays and Diagnostic Imaging | 100% coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | 100% coinsurance after deductible |
| Drugs | |
| Tier 1 (Most Generic Drugs) | 100% coinsurance after deductible |
| Tier 2 (Preferred Brand Drugs) | 100% coinsurance after deductible |
| Tier 3 (Non-Preferred Brand Drugs) | 100% coinsurance after deductible |
| Tier 4 (Specialty Drugs) | 100% coinsurance after deductible |
| Outpatient Services | |
| Outpatient Facility Fee | 100% coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | 100% coinsurance after deductible |
| Outpatient Services Office Visits | 100% coinsurance after deductible |
| ER & Urgent Care | |
| Emergency Room Facility Fee | 100% coinsurance after deductible |
| Emergency Transportation | 100% coinsurance after deductible |
| Urgent Care | $75 copay before deductible |
| Emergency Room Professional Fee | No charge |
| Hospital | |
| Inpatient Hospital Services | 100% coinsurance after deductible |
| Inpatient Physician and Surgical Services | 100% coinsurance after deductible |
| Mental/Behavioral Health | |
| Mental/Behavioral Health Inpatient Facility Fee | $75 copay before deductible |
| Mental/Behavioral Health Inpatient Professional Fee | 100% coinsurance after deductible |
| Substance Use Disorder Outpatient Services | $75 copay before deductible |
| Pregnancy | |
| Prenatal Care | No charge |
| Delivery and Maternity Care Inpatient Facility Fee | 100% coinsurance after deductible |
| Delivery and Maternity Care Inpatient Professional Fee | 100% coinsurance after deductible |
| Other Special Needs | |
| Home Health Care Services | 100% coinsurance after deductible |
| Outpatient Rehabilitation Services | $75 copay |
| Skilled Nursing Facility | 100% coinsurance after deductible |
| Durable Medical Equipment | 100% coinsurance after deductible |
| Hospice Services | No Charge |
| Acupuncture | $75 copay before deductible |
| Rehabilitative Speech Therapy | $75 copay |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $75 copay |
| Well Baby Visits and Care | No charge |
| Allergy Testing | $105 copay before deductible |
| Diabetes Education | No charge |
| Nutritional Counseling | Not covered |
| Children’s Vision | |
| Eye Exam for Children | No charge |
| Eyeglasses for Children | No charge |
| Children’s Dental | |
| Child Filling, One Surface | $25 copay |
| Child Dental Checkup | No charge |
| Child Root Canal, Molar | $300 copay |
| Child Medically Necessary Orthodontia | $1,000 copay |
Silver
| Silver 70 EPO | |
| Deductible (Individual/Family) | $2,500 |
| Out-of-Pocket Maximum (Individual/Family) | $6,800 |
| Doctor Visit | |
| Primary Care Office Visit | $35 copay |
| Specialty Care Office Visit | $70 copay |
| Other Practitioner Office Visit | $35 copay |
| Preventive Care/Screening/Immunization | No charge |
| Tests | |
| Lab Tests | $35 copay |
| X-Rays and Diagnostic Imaging | $70 copay |
| Imaging (CT/PET Scans, MRIs) | $300 copay |
| Drugs | |
| Tier 1 (Most Generic Drugs) | $15 copay |
| Tier 2 (Preferred Brand Drugs) | $55 copay after deductible |
| Tier 3 (Non-Preferred Brand Drugs) | $80 copay after deductible |
| Tier 4 (Specialty Drugs) | 20% coinsurance after deductible |
| Outpatient Services | |
| Outpatient Facility Fee | 20% coinsurance |
| Outpatient Surgery Physician/Surgical Services | 20% coinsurance |
| Outpatient Services Office Visits | 20% coinsurance |
| ER & Urgent Care | |
| Emergency Room Facility Fee | $350 copay |
| Emergency Transportation | $250 copay after deductible |
| Urgent Care | $35 copay |
| Emergency Room Professional Fee | No charge |
| Hospital | |
| Inpatient Hospital Services | 20% coinsurance after deductible |
| Inpatient Physician and Surgical Services | 20% coinsurance after deductible |
| Mental/Behavioral Health Inpatient Facility Fee | $35 copay |
| Mental/Behavioral Health Inpatient Professional Fee | 20% coinsurance after deductible |
| Substance Use Disorder Outpatient Services | $35 copay |
| Pregnancy | |
| Prenatal Care | No charge |
| Delivery and Maternity Care Inpatient Facility Fee | 20% coinsurance after deductible |
| Delivery and Maternity Care Inpatient Professional Fee | 20% coinsurance after deductible |
| Other Special Needs | |
| Home Health Care Services | $45 copay |
| Outpatient Rehabilitation Services | $35 copay |
| Skilled Nursing Facility | 20% coinsurance after deductible |
| Durable Medical Equipment | 20% coinsurance |
| Hospice Services | No Charge |
| Acupuncture | $35 copay |
| Rehabilitative Speech Therapy | $35 copay |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $75 copay |
| Well Baby Visits and Care | No charge |
| Allergy Testing | $70 copay |
| Diabetes Education | No charge |
| Nutritional Counseling | Not covered |
| Children’s Vision | |
| Eye Exam for Children | No charge |
| Eyeglasses for Children | No charge |
| Children’s Dental | |
| Child Filling, One Surface | $25 copay |
| Child Dental Checkup | No charge |
| Child Root Canal, Molar | $300 copay |
| Child Medically Necessary Orthodontia | $1,000 copay |
Gold
| Gold 80 EPO | |
| Deductible (Individual/Family) | $0 |
| Out-of-Pocket Maximum (Individual/Family) | $6,750 |
| Doctor Visit | |
| Primary Care Office Visit | $30 copay |
| Specialty Care Office Visit | $55 copay |
| Other Practitioner Office Visit | $30 copay |
| Preventive Care/Screening/Immunization | No charge |
| Tests | |
| Lab Tests | $35 copay |
| X-Rays and Diagnostic Imaging | $55 copay |
| Imaging (CT/PET Scans, MRIs) | 20% coinsurance |
| Drugs | |
| Tier 1 (Most Generic Drugs) | $15 copay |
| Tier 2 (Preferred Brand Drugs) | $55 copay |
| Tier 3 (Non-Preferred Brand Drugs) | $75 copay |
| Tier 4 (Specialty Drugs) | 20% coinsurance |
| Outpatient Services | |
| Outpatient Facility Fee | 20% coinsurance |
| Outpatient Surgery Physician/Surgical Services | 20% coinsurance |
| Outpatient Services Office Visits | 20% coinsurance |
| ER & Urgent Care | |
| Emergency Room Facility Fee | $325 copay |
| Emergency Transportation | $250 copay |
| Urgent Care | $30 copay |
| Emergency Room Professional Fee | No charge |
| Hospital | |
| Inpatient Hospital Services | 20% coinsurance |
| Inpatient Physician and Surgical Services | 20% coinsurance |
| Mental/Behavioral Health Inpatient Facility Fee | 20% coinsurance |
| Mental/Behavioral Health Inpatient Professional Fee | 20% coinsurance |
| Substance Use Disorder Outpatient Services | $30 copay |
| Pregnancy | |
| Prenatal Care | No charge |
| Delivery and Maternity Care Inpatient Facility Fee | 20% coinsurance |
| Delivery and Maternity Care Inpatient Professional Fee | 20% coinsurance |
| Other Special Needs | |
| Home Health Care Services | 20% coinsurance |
| Outpatient Rehabilitation Services | $30 copay |
| Skilled Nursing Facility | 20% coinsurance |
| Durable Medical Equipment | 20% coinsurance |
| Hospice Services | No Charge |
| Acupuncture | $30 copay |
| Rehabilitative Speech Therapy | $30 copay |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $30 copay |
| Well Baby Visits and Care | No charge |
| Allergy Testing | $55 copay |
| Diabetes Education | No charge |
| Nutritional Counseling | Not covered |
| Children’s Vision | |
| Eye Exam for Children | No charge |
| Eyeglasses for Children | No charge |
| Children’s Dental | |
| Child Filling, One Surface | $25 copay |
| Child Dental Checkup | No charge |
| Child Root Canal, Molar | $300 copay |
| Child Medically Necessary Orthodontia | $1,000 copay |
Platinum
| Platinum 90 EPO | |
| Deductible (Individual/Family) | $0 |
| Out-of-Pocket Maximum (Individual/Family) | $4,000 |
| Doctor Visit | |
| Primary Care Office Visit | $15 copay |
| Specialty Care Office Visit | $40 copay |
| Other Practitioner Office Visit | $15 copay |
| Preventive Care/Screening/Immunization | No charge |
| Tests | |
| Lab Tests | $20 copay |
| X-Rays and Diagnostic Imaging | $40 copay |
| Imaging (CT/PET Scans, MRIs) | 10% coinsurance |
| Drugs | |
| Tier 1 (Most Generic Drugs) | $5 copay |
| Tier 2 (Preferred Brand Drugs) | $15 copay |
| Tier 3 (Non-Preferred Brand Drugs) | $25 copay |
| Tier 4 (Specialty Drugs) | 10% coinsurance |
| Outpatient Services | |
| Outpatient Facility Fee | 10% coinsurance |
| Outpatient Surgery Physician/Surgical Services | 10% coinsurance |
| Outpatient Services Office Visits | 10% coinsurance |
| ER & Urgent Care | |
| Emergency Room Facility Fee | $150 copay |
| Emergency Transportation | $150 copay |
| Urgent Care | $15 copay |
| Emergency Room Professional Fee | No charge |
| Hospital | |
| Inpatient Hospital Services | 10% coinsurance |
| Inpatient Physician and Surgical Services | 10% coinsurance |
| Mental/Behavioral Health Inpatient Facility Fee | 10% coinsurance |
| Mental/Behavioral Health Inpatient Professional Fee | 10% coinsurance |
| Substance Use Disorder Outpatient Services | $15 copay |
| Pregnancy | |
| Prenatal Care | No charge |
| Delivery and Maternity Care Inpatient Facility Fee | 10% coinsurance |
| Delivery and Maternity Care Inpatient Professional Fee | 10% coinsurance |
| Other Special Needs | |
| Home Health Care Services | 10% coinsurance |
| Outpatient Rehabilitation Services | $15 copay |
| Skilled Nursing Facility | 10% coinsurance |
| Durable Medical Equipment | 10% coinsurance |
| Hospice Services | No Charge |
| Acupuncture | $15 copay |
| Rehabilitative Speech Therapy | $15 copay |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $15 copay |
| Well Baby Visits and Care | No charge |
| Allergy Testing | $40 copay |
| Diabetes Education | No charge |
| Nutritional Counseling | Not covered |
| Children’s Vision | |
| Eye Exam for Children | No charge |
| Eyeglasses for Children | No charge |
| Children’s Dental | |
| Child Filling, One Surface | $25 copay |
| Child Dental Checkup | No charge |
| Child Root Canal, Molar | $300 copay |
| Child Medically Necessary Orthodontia | $1,000 copay |
Minimum Coverage
| Minimum Coverage EPO | |
| Deductible (Individual/Family) | $10,600 |
| Out-of-Pocket Maximum (Individual/Family) | $10,600 |
| Doctor Visit | |
| Primary Care Office Visit | First 3 visits at $0 copay before deductible |
| Specialty Care Office Visit | 0% coinsurance after deductible |
| Other Practitioner Office Visit | $0 copay before deductible |
| Preventive Care/Screening/Immunization | No charge |
| Tests | |
| Lab Tests | 0% coinsurance after deductible |
| X-Rays and Diagnostic Imaging | 0% coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | 0% coinsurance after deductible |
| Drugs | |
| Tier 1 (Most Generic Drugs) | 0% coinsurance after deductible |
| Tier 2 (Preferred Brand Drugs) | 0% coinsurance after deductible |
| Tier 3 (Non-Preferred Brand Drugs) | 0% coinsurance after deductible |
| Tier 4 (Specialty Drugs) | 0% coinsurance after deductible |
| Outpatient Services | |
| Outpatient Facility Fee | 0% coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | 0% coinsurance after deductible |
| Outpatient Services Office Visits | 0% coinsurance after deductible |
| ER & Urgent Care | |
| Emergency Room Facility Fee | 0% coinsurance after deductible |
| Emergency Transportation | 0% coinsurance after deductible |
| Urgent Care | $0 copay before deductible |
| Emergency Room Professional Fee | No charge |
| Hospital | |
| Inpatient Hospital Services | 0% coinsurance after deductible |
| Inpatient Physician and Surgical Services | 0% coinsurance after deductible |
| Mental/Behavioral Health Inpatient Facility Fee | 0% coinsurance after deductible |
| Mental/Behavioral Health Inpatient Professional Fee | 0% coinsurance after deductible |
| Substance Use Disorder Outpatient Services | $0 copay before deductible |
| Pregnancy | |
| Prenatal Care | No charge |
| Delivery and Maternity Care Inpatient Facility Fee | 0% coinsurance after deductible |
| Delivery and Maternity Care Inpatient Professional Fee | 0% coinsurance after deductible |
| Other Special Needs | |
| Home Health Care Services | 0% coinsurance after deductible |
| Outpatient Rehabilitation Services | 0% coinsurance after deductible |
| Skilled Nursing Facility | 0% coinsurance after deductible |
| Durable Medical Equipment | 0% coinsurance after deductible |
| Hospice Services | 0% coinsurance after deductible |
| Acupuncture | $0 copay before deductible |
| Rehabilitative Speech Therapy | 0% coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | 0% coinsurance after deductible |
| Well Baby Visits and Care | No charge |
| Allergy Testing | 0% coinsurance after deductible |
| Diabetes Education | No charge |
| Nutritional Counseling | Not covered |
| Children’s Vision | |
| Eye Exam for Children | No charge |
| Eyeglasses for Children | 0% coinsurance after deductible |
| Children’s Dental | |
| Child Filling, One Surface | 0% coinsurance after deductible |
| Child Dental Checkup | No charge |
| Child Root Canal, Molar | 0% coinsurance after deductible |
| Child Medically Necessary Orthodontia | 0% coinsurance after deductible |
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2027 Oscar Health (California) plans & member ratings
Oscar Health sells individual EPO plans through Covered California on its Select network (Providence, UCLA Health and partner systems in Southern California), with a tech-forward member experience. In California, Covered California standardizes cost-sharing, so the deductible and out-of-pocket maximum for a given metal tier are the same at every carrier, the real differences are the network and the plan type. Figures below are the 2026 standardized single/individual medical values; premiums vary by age and county.
Gold 80 EPOPopular
No-deductible Gold EPO on the Oscar Select network.
Metal level
Gold
Network
Oscar Select EPO
Plan type
EPO
Deductible (single)
$0
Out-of-pocket max (single)
$9,200
HSA-eligible
No
Rate this plan
Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Silver 70 EPO
Standardized Silver EPO; best value with subsidies.
Metal level
Silver
Network
Oscar Select EPO
Plan type
EPO
Deductible (single)
$5,200 (medical)
Out-of-pocket max (single)
$9,800
HSA-eligible
No
Rate this plan
Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Bronze 60 EPOLowest premium
Standardized Bronze EPO for a lower monthly premium.
Metal level
Bronze
Network
Oscar Select EPO
Plan type
EPO
Deductible (single)
$5,800 (medical)
Out-of-pocket max (single)
$9,800
HSA-eligible
No
Rate this plan
Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.4 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Platinum 90 EPORichest coverage
No-deductible Platinum EPO with the lowest out-of-pocket max.
Metal level
Platinum
Network
Oscar Select EPO
Plan type
EPO
Deductible (single)
$0
Out-of-pocket max (single)
$5,000
HSA-eligible
No
Rate this plan
Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.1 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Oscar & California rate history
| Plan year | CA individual market (avg) | This carrier (approved) |
|---|---|---|
| 2019 | +8.7% | |
| 2020 | +0.8% | |
| 2021 | +0.5% | |
| 2022 | +1.8% | |
| 2023 | +5.6% | |
| 2024 | +9.6% | |
| 2025 | +7.9% | |
| 2026 | +10.3% | |
| 2027 (preliminary) | +9.9% |
Sources: Covered California 2026 rate announcement and standardized benefit designs. A verified Oscar-specific 2026 percentage was not published separately; the statewide column is the Covered California individual-market weighted average (+10.3% for 2026).
Considering Oscar?
Oscar's app and virtual care rate well, but it is EPO (no out-of-network coverage) on the Select network, confirm your doctors are in-network. A licensed agent can compare Oscar on Covered California at your ZIP, free. Call (855) 847-7020.