The short answer
A charge for OSCAR HEALTH* PREMIUM represents an individual, family, or small group Affordable Care Act (ACA) health insurance monthly premium from Oscar Health, Inc.
Why it shows up like this
A line item displaying OSCAR HEALTH* PREMIUM indicates an automated monthly insurance payment paid to Oscar Health, Inc. for an Oscar Health ACA Insurance Premium. Oscar Health provides individual and family health insurance policies sold through state health exchanges or Healthcare.gov under the Affordable Care Act. Consumers shopping for coverage through online brokerages like PolicyGenius or direct insurer platforms encounter these monthly premium billings to keep their medical benefits active.
This charge occurs each month on your established billing cycle date to maintain continuous health insurance coverage. Depending on your age and selected coverage tier, monthly premiums generally range between $200 and over $900. If your household qualified for an Advance Premium Tax Credit subsidy, the billed amount represents your net member contribution after the federal subsidy applies. Changes in reported household income or state benchmark rates can cause this monthly figure to shift.
To review your billing statement, log in to your member dashboard at hioscar.com or open the Oscar mobile app to access digital invoices under the billing tab. If you need to modify your coverage or terminate your policy, adjustments must be processed directly through the marketplace exchange where you enrolled, such as Healthcare.gov. If you never applied for an Oscar health policy and see this debit on your card statement, call Oscar member support at 1-855-672-2788 and report the unauthorized billing to your card issuer.
Common reasons for this charge
Monthly premium debits automatically draft to prevent policy cancellations and lapses in health coverage. Fluctuations in billing often result from annual open enrollment plan changes or adjustments to your premium tax credits.
- A scheduled monthly health insurance premium payment required to maintain active health coverage.
- An initial binder payment submitted during open enrollment or a special enrollment period.
- An adjustment to monthly subsidy credits (APTC) following changes to reported household income.
How to locate the invoice and cancel
Member portals provide itemized payment histories and tax documentation for each billing cycle. Because marketplace plans are regulated at state and federal levels, cancellation procedures must originate through your designated enrollment exchange.
- Sign in to Oscar Member Portal Go to hioscar.com or open the Oscar app and log in with your member credentials.
- Review Billing & Plan review to Billing to download monthly invoices and premium payment history.
- Cancel Coverage If enrolled through Healthcare.gov or a state exchange, you must cancel or change your plan directly through the marketplace portal.
Frequently Asked Questions
Review the guidance below regarding grace periods and policy termination rules.
What happens if I stop paying my Oscar Health premium?
ACA plans provide a 30-day grace period (90 days for subsidized members). If unpaid, the policy will be canceled back to the last paid date, terminating health coverage.
How do I cancel my Oscar plan if I enrolled via Healthcare.gov?
You must log in to your Healthcare.gov or state marketplace account and terminate your enrollment; Oscar cannot cancel marketplace enrollments directly.
Dispute Rights & Fraud Prevention
If you did not enroll in an Oscar health plan, contact Oscar member care and your state insurance marketplace immediately.
Dispute unauthorized charges with your card provider under the Fair Credit Billing Act within 60 days.
How do I contact Oscar Health member support?
Call 1-855-672-2788 or visit hioscar.com/contact-us.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Oscar Health, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Oscar Health Terms of Service & Plan Documents https://www.hioscar.com
- Healthcare.gov: Health Insurance Marketplace Rules https://www.healthcare.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges