Carrier profile
Cheapest 2026 ACA plans from Oscar
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Oscar sells 9,599 2026 ACA plans across 16 states. The cheapest Bronze plan a 40-year-old can enroll in is Oscar Bronze Simple (Choice) at $329 per month before subsidies.
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Cheapest Oscar plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old, on-exchange, before any subsidy. Aggregated across every county where Oscar sells. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans |
|---|---|---|
| Catastrophic | $300 | 135 |
| Bronze | $329 | 9 |
| Expanded Bronze | $338 | 2,206 |
| Gold | $410 | 1,045 |
| Silver | $452 | 2,329 |
The cheapest Oscar Bronze plan
Oscar Health Plan, Inc. Bronze Simple (Choice)
$329/moStates where Oscar sells 2026 plans
Oscar sells in 16 states for 2026 with a total of 9,599 plans (5,724 on-exchange, 3,875 off-exchange). Top 10 states by plan count:
Frequently asked questions
Where does Oscar sell ACA plans for 2026?
Oscar sells 9,599 2026 plans across 16 states. Plan availability and pricing vary by county; pick a state below to see the cheapest plan in that market.
What is the cheapest Oscar plan in 2026?
The cheapest Oscar plan a 40-year-old can enroll in is Oscar Health Plan, Inc. Bronze Simple (Choice) at $329 per month before subsidies. After federal APTC and any state premium subsidy, your net price may be lower; use the search form to get an exact quote for your ZIP code and household.
How many Oscar plans are on-exchange vs off-exchange?
Oscar has 5,724 on-exchange (subsidy-eligible) and 3,875 off-exchange (carrier-direct, not subsidy-eligible). On-exchange plans qualify for federal Premium Tax Credits and (in 7 states) stacked state subsidies; off-exchange plans do not.
Sources
- CMS QHP Landscape PUF (FFM on-exchange).
- HIX Compare 2026 individual dataset (SBE on/off-exchange + FFM off-exchange).
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.