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Critical illness insurance

When a serious diagnosis changes your life, financial flexibility helps you stay focused on what matters most.
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What it covers

Deciding if critical illness insurance makes sense for you? Here’s what it covers (and what it doesn’t):

Covered

  • Major health events

    Coverage can help after unexpected diagnoses like a heart attack or stroke.

  • Serious illness

    Plans can help cover treatment for serious diagnoses (like cancer or organ failure).

  • Costs beyond care

    Benefits can help with everyday expenses, like transportation, missed work, or childcare.

Not covered

  • Minor health issues

    Everyday illnesses, minor conditions, and preventive care aren’t covered here.

  • Non-critical illness care

    Regular checkups, maintenance medications, and routine care aren’t included, either.

  • Pre-existing conditions

    Anything diagnosed before coverage starts isn’t included.

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.

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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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

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.