1 - Call Oscar Health customer service at (855) 672-2755.
2 - Follow the prompts to speak with a representative.
3 - Inform the representative that you wish to cancel your membership.
4 - Provide any required information to verify your identity.
5 - Request a confirmation of cancellation for your records.
How to Cancel Oscar Health on Xpendy
1 - Visit the Xpendy website for Oscar Health Insurance cancellation.
2 - Download a sample cancellation letter template provided on their site.
3 - Fill out the cancellation letter with your personal information and desired cancellation date.
4 - Mail the cancellation letter to Oscar Health Insurance's customer service address via certified mail for proof.
5 - Keep a copy of the letter and any tracking information as confirmation.
Oscar Health is a company that offers health insurance plans for individuals, families, and employers. They make it easy to manage your care by letting you connect with a Care Team, talk to doctors, and find care all in one place through their app or website. You pay monthly premiums as your subscription, and you can set up autopay for convenience. They also provide services like virtual urgent care, prescription delivery, and sometimes even free primary care depending on where you live.
Cancellation requires calling customer service and speaking to a representative, which is straightforward but may depend on wait times; no complex steps involved, making it relatively easy.
Estimated Time
On average, it takes 15 minutes0015 minutes to cancel a Oscar Health subscription.
How to Contact Oscar Health
If you need assistance, here's how you can get in touch with Oscar Health's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Oscar Health Refund
Call Oscar Health directly at 1-855-672-2788 and be persistent with representatives.
Insist on a retroactive termination to your last paid-through date if billing is still showing.
Refuse to make further payments and let the policy cancel automatically for non-payment; policy typically cancels effective the last paid month.
Avoid cancelling via email or written requests as Oscar does not accept cancellations through those channels.
Provide proof of new coverage if you switched plans to request a refund or to support your cancellation request.
Use firm but polite language, emphasizing that you have already secured other coverage or cannot afford to continue the plan.
Escalate if necessary by requesting to speak to a supervisor or calling repeatedly if your cancellation is not processed.
Cancel right before your new coverage begins to avoid gaps, but start the process early to ensure it is completed on time.
Monitor your billing statements for unauthorized charges after cancellation requests.
Consider third-party services like DoNotPay to assist with cancellation and dispute issues.
Why Do People Request Refunds from Oscar Health
Denial of coverage for essential prescription medications despite prior confirmation during enrollment.
Unauthorized or fraudulent enrollment without consent, leading to cancellation attempts.
Issues due to Oscar's reliance on Federally Facilitated Marketplace data causing enrollment or cancellation misunderstandings.
Delays or denials in payment of medical claims causing dissatisfaction.
Poor customer service experience including communication problems and unresolved disputes.
Change in family status such as marriage, divorce, or having a baby.
Obtaining other health coverage like employer-based insurance or qualifying for Medicaid/Medicare.
High costs or lack of affordability of the plan premiums.
Life status change events allowing cancellation outside open enrollment periods.
Oscar Health Refund Script
Script
Copy
Dear Oscar Health, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
What People Say About Oscar Health
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Oscar Health Refund Policy
Oscar Health allows members to cancel their Individual and Family plans at any time. However, once a plan is canceled, members cannot re-enroll outside of the Open Enrollment period unless they qualify for a special life event. This ensures members have control over their coverage but must adhere to enrollment windows for new coverage.
Get help with your refund
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The Easiest Way to Get a Oscar Health Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Oscar Health—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Oscar Health allows you to cancel your Individual and Family plan at any time without early cancellation fees or contracts locking you in. However, one key point to be aware of is that if you cancel outside of the Open Enrollment period, you generally cannot re-enroll until the next plan year unless you qualify for a special life event. There are no tricky gimmicks or lock-ins, but you should plan cancellations around these enrollment windows to avoid losing coverage for an extended period.
Denial of coverage for essential prescription medications despite prior confirmation during enrollment.
Unauthorized or fraudulent enrollment without consent, leading to cancellation attempts.
Issues due to Oscar's reliance on Federally Facilitated Marketplace data causing enrollment or cancellation misunderstandings.
Delays or denials in payment of medical claims causing dissatisfaction.
Poor customer service experience including communication problems and unresolved disputes.
Change in family status such as marriage, divorce, or having a baby.
Obtaining other health coverage like employer-based insurance or qualifying for Medicaid/Medicare.
High costs or lack of affordability of the plan premiums.
Life status change events allowing cancellation outside open enrollment periods.
Full Name (First and Last Name)
Policy Number or membership ID
Address (Street, House Number, ZIP Code, City)
Email Address used to register or associated with the account
Phone Number (for verification purposes)
Reason for Cancellation (may be requested but not always mandatory)
Confirmation Request (ask for a letter or email confirming the cancellation)
Account Access (ability to log into your online account, if cancelling online)
Direct Debit Termination Request (if you want to stop automatic payments)
Notice Period Information (found in your contract or terms if needed)
Valid Identification (may be required to confirm your identity by phone or in writing)
Before cancelling your Oscar Health insurance plan, keep in mind that you will lose access to all coverage and benefits provided by the plan, including access to doctors and health services covered under the insurance. You should ensure you have alternative health coverage in place to avoid a gap in protection. Additionally, once cancelled, you will not be able to use the Oscar app features tied to your insurance plan. It is important to call Oscar directly to process the cancellation and to confirm any potential impact on billing or refunds.
Oscar Health allows members to cancel their Individual and Family plans at any time. However, once a plan is canceled, members cannot re-enroll outside of the Open Enrollment period unless they qualify for a special life event. This ensures members have control over their coverage but must adhere to enrollment windows for new coverage.
To cancel your Oscar Health subscription, it generally requires you to be logged into your account which means you will need your password. If you don't remember your password, you can reset it at this URL: https://accounts.hioscar.com/account/reset-password/. Canceling through customer support might also require authentication for security, so having your password is recommended.
We've actually written a step by step guide on how to get a refund from Oscar Health. Check it out!
The cancellation process typically takes about 15 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Oscar Health subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Oscar Health account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Oscar Health online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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