Our expert, Ann, says:

"The plans on this page are only available for the under-30 set. They both give you access to doctors over the phone, free wellness visits, 3 free sick visits to your primary care doctor and protect your finances in case of an emergency."

Check out Ann's Hospital Comparison below.

How Do They Compare?


  • Oscar's plan is significantly less expensive
  • The plan designs are the same (standardized to meet the under 30 requirements)

Where You Access Care

  • EmblemHealth provides a broader hospital network while Oscar's focuses on the Mt. Sinai hospital system
  • Both cover care provided in-network only

How You Access Care

  • Both offer free telemedicine so you can call a doctor at any time
  • Oscar may cover your acupuncture (if it's considered medically necessary)
  • Oscar offers a handy app with services to help you reach doctors & schedule appointments
  • EmblemHealth requires referrals; Oscar does not

What About Subsidies?

  • Subsidies are available for both of these plans.
  • Click the link to visit the carrier your choose.
  • They will ask for your income and let you know if you qualify.
  • If you qualify, you'll need to complete your enrollment over the phone at the numbers below.

For More Information Call

Oscar: 844-OSCAR-85

EmblemHealth: 888-447-9883

Our expert, Ann, says:

"One of the biggest differences between insurance carriers is the set of doctors and hospitals who will take their insurance. To get you started, we compared some of the major hospitals listed in each network (this is not a complete list). These things can change so be sure to double-check directly with the insurance company."

Before you buy: Make sure there are doctors and hospitals you trust in the network.

Brooklyn EmblemHealth Select Care Oscar
Brooklyn Hospital Center
Kingsbrook Jewish Medical Center
Mt Sinai
NYU Lutheran
Manhattan EmblemHealth SelectCare Oscar
Bellevue Hospital Center
Beth Israel (Mt Sinai)
Hospital for Special Surgery
Lenox Hill Hospital
Mt Sinai Hospital
NY Presbyterian Hospital
St Lukes (Mt Sinai)
Weill Cornell Medical Center
Long Island EmblemHealth SelectCare Oscar
Huntington Hospital
John T Mather Memorial Hospital
LIJ Medical Center
North Shore University Hospital
St. Francis Hospital
Winthrop University Hospital
LIJ - Valley Stream

This comparison is designed to be a helpful tool only and is not a complete list. We do not guarantee the in-network status of any hospital. Always check directly with the insurance carrier to confirm network participation.