Oscar Health Introduces AI-Powered Health Plans and Personalized Experience for 2026

Strategic Insights -

Oscar Health is revolutionizing the healthcare industry with the introduction of AI-powered health plans and a personalized experience for millions of Americans. The company is expanding its services to 573 counties in 20 states, including new markets in Alabama and Mississippi. Oscar's new plans focus on providing members with a more intuitive and user-friendly experience, with features such as AI-powered chatbots, virtual care options, and rewards programs.

Key Takeaways:

  • Oscar Health is launching a suite of AI-powered health plans and a personalized experience for 2026, available in 573 counties in 20 states, including new markets in Alabama and Mississippi.
  • The company's AI-powered chatbot, Oswell, is designed to provide on-demand support and connect members with live chats and virtual care options.
  • Oscar Unlocks is a digital rewards program that rewards members for healthy actions and digital tasks, offering priority access to a VIP Care Team and other perks.
  • HelloMeno is a new plan designed to help women take control of their perimenopause and menopause experience, offering $6 primary care visits, hormone therapy, and wellness rewards.
  • Oscar is also introducing expanded clinical plans to better manage chronic conditions, such as diabetes, COPD, and cardiovascular-kidney-metabolic syndrome.

Statistics:

  • Oscar Health has over 2.0 million members, as of June 30, 2025.
  • More than 3 in 5 members recommend Oscar to their family and friends.
  • Oscar's Virtual Urgent Care offerings are not available in US territories or internationally.
  • Savings from Oscar's clinical plans can range from ~$800 to ~$900 per year.
  • Benefits and rewards can vary by Plan, and certain restrictions apply.

Sources:

  • [1] Businesswire press release: https://www.businesswire.com/news/home/20251020430145/en/
  • [1] Statutory filings filed by insurers in 2024.
  • [2] NPS for Oscar members, 2025.
  • [3] Oscar's Virtual Urgent Care offerings are not available in US territories or internationally.
  • [4] Clinical studies from Psychology Online, August 2025, and International Journal of Medical Informatics, Volume 195, March 2025, 105780.
  • [5] Oscar Unlocks is not available in New Jersey and Oklahoma.