Reputation grade
F
Peer-relative, A–F
Insurer profile · NAIC + CMS
Oscar Insurance Company
Oscar Insurance Company's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- F
- Reputation grade
- 29.8%
- Claims denied
- 8
- States (CMS data)
The verdict
Oscar Insurance Company earns a F reputation grade - a significantly worse record than peers, according to CMS Transparency in Coverage filings, 29.8% of its marketplace claims were denied across 8 states.
- F
- reputation grade
- 29.8%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
29.8%
CMS, 8 states
Graded on 1 of 3 measures: claim denials. 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 →Oscar Insurance Company - claim denial rate by state
- IA
IA: 34.4% denied (225,302 of 655,352 claims)
34 % of claims denied
- KS
KS: 32.4% denied (123,477 of 380,721 claims)
32 % of claims denied
- MI
MI: 32.4% denied (20,731 of 63,957 claims)
32 % of claims denied
- TX
TX: 29.8% denied (1,050,350 of 3,521,352 claims)
30 % of claims denied
- MO
MO: 28.3% denied (189,300 of 668,238 claims)
28 % of claims denied
- TN
TN: 28.0% denied (251,752 of 898,028 claims)
28 % of claims denied
- OK
OK: 25.6% denied (95,687 of 374,292 claims)
26 % of claims denied
- NE
NE: 24.9% denied (12,230 of 49,177 claims)
25 % of claims denied
What this shows Denial rates vary by state plan and network. Across 8 reporting states, Oscar Insurance Company denied 29.8% of marketplace claims on average.
Among states with enough reported claims to compare, Oscar Insurance Company's highest marketplace denial rates in this dataset are in Iowa (34.4%), Kansas (32.4%), and Michigan (32.4%). State-level rates reflect the specific plans Oscar Insurance Company offers there and how each state's regulators and utilization-review rules apply, not necessarily the carrier's national practice.
CMS marketplace filing
Reported appeal outcomes for Oscar Insurance Company
70,947
appeals filed
19,988
overturned (reported outcomes)
28.2%
of appeals with a reported outcome
The largest state samples are Texas (38,325 filed, 9,061 overturned), Tennessee (9,553 filed, 3,657 overturned), and Iowa (7,284 filed, 2,167 overturned); 8 states contribute to the profile total.
CMS reports an overturn outcome for 70,947 of these 70,947 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the data shows for Oscar Insurance Company
Oscar Insurance Company carries a F reputation grade in PlainInsurer's dataset, with a composite score of 16.2 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Oscar Insurance Company denied 29.8% of marketplace claims across 8 reporting states - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where Oscar Insurance Company sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other F-graded carriers in PlainInsurer's dataset include Kemper Auto and Root Insurance, and the closest overall composite score to Oscar Insurance Company's 16.2 belongs to UnitedHealthcare of South Carolina, Inc. (16.2), each rescaled across the measures that carrier reports.
Other F-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Kemper Auto | F |
| Root Insurance | F |
| Dairyland Insurance (Sentry) | F |
| Hippo Insurance | F |
| Esurance (Allstate) | F |
Closest composite score to Oscar Insurance Company
Carriers with the nearest overall composite score (16.2)
| Insurer | Composite score |
|---|---|
| UnitedHealthcare of South Carolina, Inc. | 16.2 |
| Aetna Health Inc. (a TX corp.) | 16.8 |
| Tower Hill Insurance | 15.2 |
| AmeriHealth Caritas VIP Next, Inc. | 15.1 |
| Moda Health Plan, Inc. | 14.6 |
Questions about Oscar Insurance Company
What does Oscar Insurance Company's grade mean?
Oscar Insurance Company received a grade of F, indicating a significantly worse record than peers.
How many complaints does Oscar Insurance Company have?
NAIC's public bulk data does not include a complaint-volume estimate for Oscar Insurance Company - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Oscar Insurance Company?
File against Oscar Insurance Company through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Oscar Insurance Company a good insurance company?
PlainInsurer's F grade for Oscar Insurance Company reflects a significantly worse record than peers relative to peers on published complaint and denial data.
What types of insurance does Oscar Insurance Company offer?
Detailed line-of-business data isn't currently available for Oscar Insurance Company. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Oscar Insurance Company · 2024
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The full PlainInsurer extract, covering every insurer including Oscar Insurance Company, 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) · CMS Transparency in Coverage PUF PY2026. 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.