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Health insurance

Finding the right plan shouldn’t stress you out, even a little. Lucie guides you from the first question to final enrollment.
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What it covers

Health insurance is meant to protect you from big medical costs. But not everything is covered. Let’s go over what you can expect, so you’re in the know.

Covered

  • Doctor visits and hospital care

    Most plans help cover primary care, specialists, hospital stays, and emergency care after you meet your deductible.

  • Prescriptions

    Many medications are covered, though costs depend on the plan’s drug list.

  • Preventive care

    Annual checkups, vaccines, and basic screenings are often fully covered when in network.

Not covered

  • Dental and vision care

    Cleanings, exams, and glasses require extra coverage or are paid out of pocket.

  • Alternative and complementary care

    Acupuncture, massage therapy, chiropractic care, and functional medicine are often limited or excluded.

  • Fertility care

    IVF, egg freezing, and other fertility services are partially covered or not covered at all.

What to expect with Lucie

Lucie’s AI helps you design the right mix of coverage and care for how you really live.

Get personalized plan picks.

Lucie’s AI gets to know you and searches 1,000s of ACA plans, and finds the best options for you — fast, free, and without the overwhelm.

See how plans actually work.

Lucie breaks down how plans play out in real-life scenarios. It also checks if you qualify for savings (more than 90% do!) and shows what care will cost beyond the premium.

Add care where it counts.

Lucie flags when pairing a plan with targeted care can save you more than upgrading coverage.

Enroll with confidence.

Enroll without navigating confusing government sites.

Free OfferFind your plan under 10,00+ options

Let’s make your savings clear

Lucie makes benefits clear, personal, and easy. So you can choose what works best for you with total confidence.

  • Plans that fit your life

  • Help when you need it

  • One place for everything

  • Transparent Pricing

Tell us a little about yourself

Ages of people to cover

Ages help us estimate your options more accurately. Click the + button to add another person.

Household income

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All things health insurance, actually explained

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

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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.