oscar vs devoted health medicare is a comparison between two tech-driven insurers reshaping the Medicare Advantage landscape. Both companies promise a modern, digital-first experience for beneficiaries. However, they differ significantly in size, availability, and plan variety. Oscar Health entered Medicare in 2020 but has since scaled back dramatically. Devoted Health launched its first plans in 2019 and has expanded aggressively. If you are shopping for a Medicare Advantage plan with strong technology features, understanding oscar vs devoted health medicare differences is essential. This guide breaks down plan types, benefits, ratings, and costs so you can make a confident choice.
Oscar Vs Devoted Health Medicare: Quick Comparison
| Feature | Oscar Health | Devoted Health |
|---|---|---|
| Company Type | Publicly traded (NYSE: OSCR) | Privately held ($12.6B valuation) |
| Founded | 2012 | 2017 |
| Headquarters | New York, NY | Waltham, MA |
| AM Best Rating | Not rated | Not rated |
| CMS Star Rating (2026) | Limited data (small enrollment) | 4.19 stars (weighted average) |
| NAIC Complaint Ratio | ~3.0x (above average) | Below average (fewer than expected) |
| Medigap Plans Offered | None | None |
| MA Plan Types | HMO only | HMO, PPO, C-SNP, D-SNP |
| Available States (2026) | 1 (New York — limited counties) | 29 states |
| Dental Benefit | $1,500/year allowance | $3,000–$5,000/year allowance |
| Vision Benefit | $200/year eyewear | Routine exams + eyewear covered |
| Hearing Benefit | Included | $0 exams + hearing aid coverage |
| Fitness Program | Silver&Fit | SilverSneakers |
| OTC Allowance | $75/quarter ($300/year) | $65–$110/quarter ($260–$440/year) |
| Telehealth | $0 unlimited visits | Virtual care via Devoted Medical |
| Transportation | Up to 60 one-way trips | Available on select plans |
| Enrollment | ~limited (Bronx/Westchester NY) | 466,000+ members |
The most striking difference in the oscar vs devoted health medicare comparison is availability. Oscar’s Medicare footprint has shrunk to a single co-branded partnership in parts of New York. Devoted Health, on the other hand, operates in 29 states and is growing rapidly. Devoted’s membership surpassed 466,000 in early 2026. That represents a 121% increase year over year.
Both companies lack traditional Medigap supplement plans. Neither company holds an AM Best financial strength rating. However, Devoted Health has built a stronger track record with CMS Star Ratings. Oscar remains primarily an Affordable Care Act marketplace insurer. Its Medicare presence is now minimal.
Medicare Plan Options: Oscar vs Devoted Health
When evaluating oscar vs devoted health medicare plan options, Devoted Health offers far more variety. Devoted sells HMO and PPO Medicare Advantage plans across its 29-state footprint. It also offers Chronic Condition Special Needs Plans for members with diabetes or heart disease. Dual-Eligible Special Needs Plans serve those qualifying for both Medicare and Medicaid. Devoted even offers MA-Only plans without Part D for members who prefer separate drug coverage.
Oscar’s Medicare options are extremely limited. Its only active Medicare Advantage contract is a co-branded partnership with Montefiore Health System. This partnership offers two HMO plans in Bronx and Westchester counties in New York. The plans are the Montefiore + Oscar Easy Care HMO and Extra Benefits HMO. There are no PPO or Special Needs Plan options from Oscar. According to data available through Medicare.gov Plan Finder, Oscar’s Medicare reach is a fraction of Devoted’s.
Neither company offers Medigap supplement plans. Neither sells standalone Part D prescription drug plans. For example, if you want a Plan G or Plan N supplement, you will need to look at other carriers. Both companies bundle Part D drug coverage into their Medicare Advantage plans. Devoted’s MAPD plans include the Medicare Prescription Payment Plan. This lets members spread drug costs across the entire calendar year.
Rates and Enrollment: Oscar vs Devoted Health
Oscar’s Montefiore partnership plans carry a $0 monthly premium. The Easy Care plan has a $6,700 in-network maximum out-of-pocket cost. These rates are competitive for the New York market. However, since Oscar operates in only two counties, rate comparisons are geographically limited. Oscar supports enrollment online, by phone, through licensed agents, and via Medicare.gov.
Devoted Health typically offers $0 premium plans in most of its markets. Many Devoted plans also feature low copays and Part B premium giveback options. In most cases, Devoted’s out-of-pocket maximums are competitive with national carriers. Devoted members can enroll online at devoted.com, by phone, or through licensed insurance agents. Devoted Guides are U.S.-based service professionals who help with enrollment and ongoing care questions.
The oscar vs devoted health medicare enrollment experience favors Devoted for most people. Devoted’s broader availability means more beneficiaries can actually access their plans. Oscar’s enrollment is restricted to a tiny geographic area. Both companies emphasize digital enrollment tools. However, Devoted’s scale gives it an advantage in agent networks and phone support infrastructure.
Additional Benefits Compared
Supplemental benefits are a major selling point for both companies. The oscar vs devoted health medicare benefits comparison reveals meaningful differences. Devoted Health consistently offers richer benefit packages across dental, vision, and hearing. Many retirees also consider other insurance needs alongside Medicare. For instance, many Medicare beneficiaries also carry a life insurance policy to protect their family, and you can compare life insurance rates at Life Insure Guide.
| Benefit Category | Oscar Health | Devoted Health |
|---|---|---|
| Annual Dental Allowance | $1,500 | $3,000–$5,000 |
| Vision Coverage | $200/year eyewear | Routine exams + eyewear |
| Hearing Aids | Included | $0 exams, low-copay aids, free batteries |
| Fitness Program | Silver&Fit + Fitbit kits | SilverSneakers + Wellness Bucks |
| OTC Allowance | $300/year | $260–$440/year |
| Telehealth | $0 unlimited (AI-powered Oscar+) | Devoted Medical virtual care |
| Transportation | Up to 60 trips/year | Available on select plans |
| Meal/Grocery Benefit | Not available | Food & Home Card (qualifying conditions) |
| Wellness Rewards | Up to $250/year in gift cards | Devoted Dollars + PayMeBack program |
| Concierge Service | Dedicated care team + nurse | Devoted Guides (clinical + service) |
Devoted Health’s dental benefit stands out. Allowances of $3,000 to $5,000 per year far exceed Oscar’s $1,500. Devoted delivers dental benefits via a Mastercard that works at any dentist nationwide. For hearing care, Devoted covers exams at $0 and provides hearing aids with low copays. Devoted also includes free hearing aid batteries. Oscar covers hearing benefits but with less published detail.
Oscar’s telehealth platform is a genuine strength. The AI-powered Oscar+ tool and unlimited $0 virtual visits reflect its tech-first identity. Oscar also provides Fitbit fitness kits for members who cannot visit a gym. Devoted counters with SilverSneakers gym access and Wellness Bucks for fitness purchases. Devoted’s Food and Home Card is a unique benefit for members with chronic conditions like diabetes. It provides a monthly allowance for healthy groceries at stores like Walmart and Kroger. Similarly, retirees should review their homeowners coverage alongside Medicare choices, and you can compare home insurance rates at Home Insure Guide.
Financial Strength and Stability
Neither Oscar nor Devoted Health carries a published AM Best financial strength rating. This is unusual for insurance companies. In most cases, established carriers like UnitedHealthcare and Aetna hold A or A+ ratings. The absence of AM Best ratings for both companies reflects their relatively young histories. Beneficiaries should weigh this when considering the oscar vs devoted health medicare decision.
Oscar Health is publicly traded on the NYSE under ticker OSCR. It reported $9.17 billion in 2024 revenue and guided $11.2 billion for 2025. However, the vast majority of Oscar’s revenue comes from ACA marketplace plans. Its Medicare segment is tiny. Oscar’s NAIC complaint ratio of approximately 3.0 is significantly above the national benchmark of 1.0. This means Oscar receives roughly three times more complaints than expected for a company its size, according to NAIC Consumer Insurance Search data.
Devoted Health is privately held with a $12.6 billion valuation. It has raised $2.26 billion from investors including Andreessen Horowitz and General Catalyst. Devoted’s CMS Star Ratings are impressive. Its 2026 enrollment-weighted average is 4.19 stars. Three Devoted contracts earned a perfect 5.0 stars. Devoted earned recognition in the JD Power 2026 U.S. Healthcare Digital Experience Study. It scored 665 out of 1,000 and tied for third place with UnitedHealthcare. The NAIC notes that Devoted receives fewer complaints than expected for its size. Devoted’s co-founder Todd Park previously served as U.S. Chief Technology Officer under President Obama.
Which Medicare Carrier Should You Choose?
Choose Oscar if:
- You live in the Bronx or Westchester County in New York
- You want access to the Montefiore Health System network
- You value AI-powered telehealth and an app-first experience
- You prefer a $0 premium HMO with a dedicated concierge care team
Choose Devoted Health if:
- You want broad geographic availability across 29 states
- You need plan variety including HMO, PPO, and Special Needs Plans
- You value rich dental benefits of $3,000 to $5,000 per year
- You want a carrier with strong CMS Star Ratings and proven growth
For most Medicare beneficiaries, the oscar vs devoted health medicare comparison points clearly toward Devoted Health. Devoted offers more plan types in far more locations. Its CMS Star Ratings are strong and improving. Its supplemental benefits — especially dental and grocery allowances — are among the richest in the Medicare Advantage market. Devoted’s complaint record is favorable, and its membership growth signals broad consumer confidence.
Oscar Health delivers excellent technology and a polished digital experience. However, its Medicare footprint is now limited to a single partnership in New York. Unless you live in the specific counties Oscar serves, it simply is not an option. Even within its service area, the oscar vs devoted health medicare choice favors Devoted for plan flexibility. Oscar remains a strong ACA marketplace insurer, but its Medicare future is uncertain. Typically, beneficiaries are better served by a carrier with a proven commitment to growing its Medicare business.
Frequently Asked Questions
Is Oscar or Devoted Health better for Medicare Advantage?
In most cases, Devoted Health is the stronger choice for Medicare Advantage. It operates in 29 states and offers HMO, PPO, and Special Needs Plans. Oscar’s Medicare availability is limited to parts of New York. However, if you live in Oscar’s service area and prefer the Montefiore network, Oscar can be a solid option.
Does Oscar Health still offer Medicare plans?
Oscar Health largely exited the Medicare Advantage market in 2023. However, it still maintains a co-branded partnership with Montefiore Health System. This partnership offers two HMO plans in Bronx and Westchester counties in New York. On the other hand, Devoted Health continues to expand its Medicare presence nationwide.
What are the CMS Star Ratings for oscar vs devoted health medicare plans?
Devoted Health’s 2026 enrollment-weighted Star Rating average is 4.19 out of 5 stars. Three of its contracts earned a perfect 5.0. Oscar’s Medicare contracts have limited Star Rating data due to small enrollment. Typically, higher Star Ratings indicate better quality and member satisfaction.
Compare More Medicare Insurance Companies
Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources.
Official Sources & Resources
For verified information on Medicare plans, ratings, and enrollment:
- Medicare.gov (Official): medicare.gov
- CMS.gov (Centers for Medicare & Medicaid): cms.gov
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- State Health Insurance Assistance Program (SHIP): shiphelp.org
- Kaiser Family Foundation (KFF): kff.org
Content last reviewed April 2026. If you notice any outdated information, please contact us.