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Accident insurance

Accidents don’t come with a warning, and neither do the bills. Get support for the costs you can’t see coming.
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What it covers

Accident insurance isn’t health insurance. But it can soften the financial hit when something sudden happens. Here’s what to expect:

Covered

  • Certain accidents

    Plans help cover treatment for qualified accidents (like a fall or car crash).

  • Serious injuries

    Plans help cover severe injuries that need extra treatment (like surgery for a broken bone).

  • Recovery expenses

    Benefits help cover costs during recovery, like transportation, missed work, or childcare.

Not covered

  • Routine or ongoing illness

    Sickness, chronic condition, and preventive care aren’t covered (even if you visit a hospital).

  • Non-accident medical care

    Things like mental health care and prescriptions aren’t covered unless they’re tied to an accident.

  • Pre-existing conditions

    Injuries or conditions you had before signing up aren’t covered.

What to expect with Lucie

From your first question to final decision, Lucie guides you every step of the way.

Tell Lucie what you need.

Share what matters, like how often you go, your favorite dentist, and the care you want.

Get clear guidance as you explore.

Lucie’s AI shortlists plans. It shows how coverage works, including costs and limits.

Decide with confidence.

With a clear picture of your options, you’ll know whether enrolling in a plan or paying out of pocket makes the most sense.

Frequently asked questions

How much does health insurance cost?

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What if I can't afford health insurance?

You may qualify for Medicaid (free or low-cost coverage) or significant subsidies that make marketplace plans affordable. Many people are surprised to find coverage costs less than their monthly phone bill. Check your eligibility today.

Can I keep my current doctor?

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Still have questions? See all FAQs.

Call a licensed broker for clear guidance.

Call 888-383-5527

Everything you need, in one marketplace.

Design a personalized mix of coverage and care services that put your healthcare budget to the best use possible. So you can take care of you, fully.

Get health insurance that gets you

Lucie goes beyond the basics to help you choose a plan that fits how you actually use care.
  • Get a personalized shortlist of ACA plan options
  • Automatically see all available savings
  • Check out how coverage (and costs) play out in the real world
  • Fast, simple enrollment
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Footnotes

Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.