Find Your 2026 ACA Health Plan
Compare Oscar ACA plans available in your area. Enter your ZIP code to see plans and pricing - no contact info required.
CHOOSING YOUR METAL TIER
There are 3 different metal tiers when it comes to Oscar health plans: Bronze, Silver, and Gold. You’ll receive the same quality of care and the same benefit s for all tiers.
BRONZE PLAN
Lower premium, higher out -of-pocket expenses 60%of covered health costs paid by Oscar, 40%paid by you. Good choice if you don’t expect to use your plan often, but still want coverage to protect you from very high costs
SILVER PLAN
Moderate premium, moderate out -of-pocket expenses. 70%of covered health costs paid by Oscar, 30%paid by you.
Cost share reductions available if you’re eligible. Good choice if you’re willing to pay a slightly higher monthly premium and get more care covered
GOLD PLAN
Higher premium, lower out -of-pocket expenses. 80%of covered health costs paid Oscar, 20%paid by you. Good choice if you need care often
CHOOSING YOUR PLAN SUITE
Within each tier there are 3 plan suites you can choose from. The plan suites range from Simple to Elite. The difference between them is the breakout of coinsurance and copays.
SIMPLE
Lowest monthly premium. More coinsurance based cost- shares. Mostly available in Bronze and Silver metal tiers.
CLASSIC
Mid to high monthly premium. Out- of- pocket costs will be a mix of coinsurance & copays. For example, you may have a copay for labs and coinsurance for a hospital stay
ELITE
Highest monthly premium. More copay based cost- shares. $0 medical deductible.
For members living with diabetes:
Designed to support individuals living with type 1 or type 2 diabetes, these plans make it easier and more affordable to manage your health every day. You’ll get predictable costs, enhanced coverage, and ongoing support tailored to your condition.
Highlights include:
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$100 monthly insulin cap for affordable access to medication
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$0 primary care and specialist visits related to diabetes management
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$0 labs and diabetic eye/foot exams for routine monitoring
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$0 testing supplies through the WellDia program (glucometer, test strips, lancets)
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Personalized Care Team support plus 24/7 virtual visits at no cost
Virtual Care Offerings:
Oscar’s Virtual Urgent Care lets members connect with a provider anytime, from anywhere — usually within 15 minutes. Virtual visits are $0 on most plans and cover diagnosis, prescriptions, and refills, helping you get care without stepping foot in a clinic.
Highlights:
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24/7 access to virtual urgent care from your phone or computer
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$0 visits for most plans (excludes HSA and Secure plan types)
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Get treatment, prescriptions, or refills in minutes — no waiting rooms required
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Oscar’s Hospital Network
In Illinois, Oscar offers two networks, depending on the county – Oscar’s Choicenetwork and Oscar’s Select network.
Oscar’s Illinois Choice service area includes Cook, DuPage, Kane, Kendall, Lake, andWill counties.
Oscar’s Illinois Select service area includes Cook County
| COUNTY | Choice | Select |
| BLACK HAWK | ||
| MercyOne Cedar Falls Medical Center | ✓ | ✓ |
| MercyOne Waterloo Medical Center | ✓ | ✓ |
| CERRO GORDO | ||
| MercyOne North Iowa Medical Center | ✓ | ✓ |
| COOK | ||
| Advocate Christ Medical Center | ✓ | ✓ |
| Advocate Illinois Masonic Medical Center | ✓ | ✓ |
| Advocate South Suburban Hospital | ✓ | ✓ |
| Advocate Trinity Hospital | ✓ | ✓ |
| Endeavor Health Evanston Hospital | ✓ | ✗ |
| Endeavor Health Northwest Community Hospital | ✓ | ✗ |
| Endeavor Health Skokie Hospital | ✓ | ✗ |
| Endeavor Health Swedish Hospital | ✓ | ✗ |
| Gottlieb Memorial Hospital | ✓ | ✓ |
| Holy Cross Hospital | ✓ | ✓ |
| Humboldt Park Health | ✓ | ✓ |
| Jackson Park Hospital & Medical Center | ✓ | ✓ |
| Loretto Hospital | ✓ | ✓ |
| Loyola University Medical Center | ✓ | ✓ |
| Macneal Hospital | ✓ | ✓ |
| Mount Sinai Hospital | ✓ | ✓ |
| South Shore Hospital | ✓ | ✓ |
| St. Bernard Hospital | ✓ | ✓ |
| Thorek Memorial Hospital | ✓ | ✓ |
| Uchicago Medicine | ✓ | ✗ |
| Uchicago Medicine Ingalls Memorial Hospital | ✓ | ✗ |
| West Suburban Medical Center | ✓ | ✓ |
| DALLAS | ||
| MercyOne West Des Moines Medical Center | ✓ | ✓ |
| DUBUQUE | ||
| MercyOne Dubuque Medical Center | ✓ | ✓ |
| DUPAGE | ||
| Advocate Good Samaritan Hospital | ✓ | ✓ |
| Endeavor Health Edward Hospital | ✓ | ✗ |
| Endeavor Health Elmhurst Hospital | ✓ | ✗ |
| JASPER | ||
| MercyOne Newton Medical Center | ✓ | ✓ |
| KANE | ||
| Advocate Sherman Hospital | ✓ | ✓ |
| LAKE | ||
| Advocate Condell Medical Center | ✓ | ✓ |
| Advocate Good Shepherd Hospital | ✓ | ✓ |
| Vista Medical Center East | ✓ | ✗ |
| POLK | ||
| MercyOne Des Moines Medical Center | ✓ | ✓ |
| ROCK ISLAND | ||
| MercyOne Genesis Silvis Medical Center | ✓ | ✓ |
| SCOTT | ||
| MercyOne Genesis Davenport Medical | ✓ | ✓ |
| MercyOne Genesis Davenport West Medical Center | ✓ | ✓ |
| WILL | ||
| Silver Cross Hospital | ✓ | ✓ |
| WOODBURY | ||
| MercyOne Siouxland Medical Center | ✓ | ✓ |
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Top 2026 Oscar plans - details and ratings
Oscar pairs some of the cheapest gold premiums in Illinois with a genuinely good app and virtual care - and carries the lowest displayed quality rating on Get Covered Illinois (2 of 5 stars). Its Choice network is narrow: check your doctors first. Representative 2026 plans; single, in-network figures.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
Oscar Bronze Simple (Choice)
High-deductible bronze where the deductible nearly meets the out-of-pocket cap.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Bronze Simple - $5,200 Ded (Choice)
The middle-deductible bronze variant.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Bronze Classic Standard
The standardized bronze design.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Silver Classic
Mainstream silver - the CSR check belongs here.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Oscar Secure Gold Classic StandardCheap Gold
Frequently among the lowest gold premiums in the state.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
We have not found enough verifiable public member commentary on Oscar’s Illinois plans to quote fairly - your rating above genuinely helps the next shopper.
Oscar rate filing history
Illinois redacts most carrier-level actuarial detail, so a complete requested-vs-approved table per carrier is not publicly available. Here is what the Illinois Department of Insurance and public filings do show - statewide averages plus this carrier’s known figures:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2024 (Oscar) | +6.8% | ||
| 2026 (Oscar) | +0.2% → +10.4% revised | within statewide final | Mildest 2026 revision |
| 2027 (Oscar) | +12.7% | pending | Proposed |
| 2018 (statewide) | ~+30% | ~+30% | CSR-defunding silver load year |
| 2020 (statewide) | -0.3% | -0.3% | |
| 2024 (statewide) | +4.9-5.7% | Semi-weighted final | |
| 2025 (statewide) | +4.6% | Filings partially redacted | |
| 2026 (statewide) | +23.4-29.4% | +28.8% | Final IDOI weighted avg; driven by enhanced-subsidy expiration |
| 2027 (statewide) | +14.0% | pending | Requested average |
Sources: Illinois DOI rate filing publications and final-rate releases, ratereview.healthcare.gov, and ACA Signups Illinois tables. Figures are market averages, not your personal premium; subsidies through Get Covered Illinois can absorb much of an increase.
Free Illinois insurance tools
Pricing an Oscar plan in Illinois? Run the numbers first.
Hoping you have added Duly Heslth Care to your approved agents in Tinley Park cook county, Illinois
Hi Gail,
Oscar is not currently contracted with Duly Health and Care (formerly DuPage Medical Group) and is not engaged in active negotiations to add Duly to its provider network.
Historically, Duly has been a challenging provider group to contract with, as they typically seek reimbursement rates that exceed what many carriers, including Oscar, are willing to offer. As a result, there is no indication at this time that Duly will be joining the Oscar network in the near future.