Reputation grade
C
Peer-relative, A–F
Insurer profile · NAIC + CMS
Oscar Insurance Company of Florida
Oscar Insurance Company of Florida's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 18.9%
- Claims denied
- 1
- States (CMS data)
The verdict
Oscar Insurance Company of Florida earns a C reputation grade - a record near the industry median, according to CMS Transparency in Coverage filings, 18.9% of its marketplace claims were denied across 1 state.
- C
- reputation grade
- 18.9%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
18.9%
CMS, 1 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 →These claim figures are from plan year 2025, not 2026. Oscar Insurance Company of Florida does not appear in the CMS Transparency in Coverage file for plan year 2026, so the most recent figures CMS has published for this insurer are the ones shown here. Illinois carriers left that file when the state moved to its own health-insurance marketplace for 2026; other insurers stop appearing when they exit the individual marketplace. The numbers below are unchanged and still describe the period they cover. They are simply not current-year, and are excluded from every national and state average on this site. See our methodology.
CMS marketplace filing
Reported appeal outcomes for Oscar Insurance Company of Florida
221,043
appeals filed
99,456
overturned (reported outcomes)
45.0%
of appeals with a reported outcome
The reported appeals on this profile come from Florida (221,043 filed, 99,456 overturned).
CMS reports an overturn outcome for 221,043 of these 221,043 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 of Florida
Oscar Insurance Company of Florida carries a C reputation grade in PlainInsurer's dataset, with a composite score of 63.8 (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 of Florida denied 18.9% of marketplace claims across 1 reporting state - a moderate rate that still varies by plan design and network.
See where Oscar Insurance Company of Florida 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 (PY2025), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other C-graded carriers in PlainInsurer's dataset include Liberty Mutual and Aetna (CVS Health), and the closest overall composite score to Oscar Insurance Company of Florida's 63.8 belongs to Travelers Property (63.6), each rescaled across the measures that carrier reports.
Other C-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Liberty Mutual | C |
| Aetna (CVS Health) | C |
| Allstate Property | C |
| AIG Homeowners | C |
| Allstate Insurance | C |
Closest composite score to Oscar Insurance Company of Florida
Carriers with the nearest overall composite score (63.8)
| Insurer | Composite score |
|---|---|
| Travelers Property | 63.6 |
| Florida Blue (BCBS FL) | 63.5 |
| Medica Health Plans | 63.2 |
| Blue Cross and Blue Shield of NC | 63.2 |
| Progressive Insurance | 64.4 |
Questions about Oscar Insurance Company of Florida
What does Oscar Insurance Company of Florida's grade mean?
Oscar Insurance Company of Florida received a grade of C, indicating a record near the industry median.
How many complaints does Oscar Insurance Company of Florida have?
NAIC's public bulk data does not include a complaint-volume estimate for Oscar Insurance Company of Florida - 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 of Florida?
File against Oscar Insurance Company of Florida through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Oscar Insurance Company of Florida a good insurance company?
PlainInsurer's C grade for Oscar Insurance Company of Florida reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Oscar Insurance Company of Florida offer?
Detailed line-of-business data isn't currently available for Oscar Insurance Company of Florida. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2025 Complaint index, reputation grade and per-state claim denial rates for Oscar Insurance Company of Florida · 2024
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The full PlainInsurer extract, covering every insurer including Oscar Insurance Company of Florida, 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 PY2025. 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.