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
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 →NAIC CIS filing desk
NAIC 15005 D · 40.3
GRADE-D · INDEX-HOT · DENIAL-NONE · RANK-WORST · PHOTO-FINISH · LINES-1 · BOOK-RICH
- GRADE-D D · 40.3
- INDEX-HOT 2.14
- DENIAL-NONE No CMS file
- RANK-WORST #60/72
- PHOTO-FINISH Tower Hill Insurance · F
- LINES-1 1 line
- BOOK-RICH 6/7 fields
Nearest complaint-index peer: Tower Hill Insurance (±0.02 index pts)
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
Complaint-index neighbourhood around Oscar Health
Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.
Oscar Health - complaint index neighbourhood
- Northwestern Mutual… · quietest 0
Northwestern Mutual… · quietest
0 complaint index
- Esurance (Allstate) · near
Esurance (Allstate) · near
2 complaint index
- Tower Hill Insurance · near
Tower Hill Insurance · near
2 complaint index
- Oscar Health · this carrier
Oscar Health · this carrier
2 complaint index
- Ambetter (Centene) · near
Ambetter (Centene) · near
2 complaint index
- Dairyland Insurance… · near
Dairyland Insurance… · near
2 complaint index
- Gainsco Insurance · hottest
Gainsco Insurance · hottest
4 complaint index
What this shows 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).
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
What the NAIC filing desk 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 is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Oscar Health.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for Oscar Health: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (40.3 here). Floored at 50+ complaints and 5+ states.
Similar complaint volume
Nearest carriers by NAIC complaint count (4,758 here). Deduped against the score peers so the two sets stay distinct.
Questions about Oscar Health
What does Oscar Health's grade mean?
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What types of insurance does Oscar Health offer?
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.