Reputation grade
D
Peer-relative, A–F
Insurer profile · NAIC + CMS
Oscar Health
Oscar Health's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 2.14
- Complaint index
- 18
- States active
The verdict
Oscar Health earns a D reputation grade - a worse-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 2.14, above the 1.0 market average.
- D
- reputation grade
- 2.14
- NAIC complaint index
NAIC complaint index
2.14
1.0 = market average; lower is better
Est. complaint volume
~4,758
across 18 states, index-derived
Graded on 2 of 3 measures: NAIC complaints, prior authorisation. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Where Oscar Health sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Oscar Health
Oscar Health: complaint index 2.14
2 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Oscar Health's complaint index of 2.14 is 114% above the 1.0 market average for a carrier of its size.
Oscar Health vs. the full rated-insurer dataset
214% 17th percentile more affordable than 17% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Health Insurance (Individual) | ~4,758 | 2.14 | 18 |
Health insurance market share
National ranking by direct written premiums, NAIC 2024
Market share
0.52%
Direct written premiums
$8,777.9M
What the data shows for Oscar Health
According to PlainInsurer's dataset, Oscar Health has a lower (better) NAIC complaint index than 17% of the 72 rated insurers it tracks and ranks #17 of 18 carriers by complaint ratio in Health Insurance (Individual).
Oscar Health carries a D reputation grade in PlainInsurer's dataset, with a composite score of 40.3 (higher means more consumer friction relative to size). Its NAIC complaint index of 2.14 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
Oscar Health does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
Oscar Health is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Aggregates only, not advice. Full terms on the disclaimer.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Oscar Health's 40.3 belongs to Aetna Health Inc. (a FL corp.) (40.5), each rescaled across the measures that carrier reports.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to Oscar Health
Carriers with the nearest overall composite score (40.3)
| Insurer | Composite score |
|---|---|
| Aetna Health Inc. (a FL corp.) | 40.5 |
| CareSource Ohio, Inc. | 39.5 |
| Molina Healthcare of Mississippi, Inc | 41.1 |
| Anthem Ins Companies Inc(Anthem BCBS) | 41.6 |
| Molina Healthcare of Ohio, Inc. | 38.4 |
Questions about Oscar Health
What does Oscar Health's grade mean?
Oscar Health received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Oscar Health have?
PlainInsurer estimates Oscar Health's complaint volume at roughly 4,758 across 18 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Oscar Health?
File against Oscar Health through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Oscar Health a good insurance company?
PlainInsurer's D grade for Oscar Health reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Oscar Health offer?
Based on NAIC filing data, Oscar Health reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.
Verify Oscar Health
Oscar Health is filed with the NAIC under company number 15005. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Oscar Health · 2024
Share, download, and related pages for Oscar Health
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Oscar Health, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.