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.
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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.
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How to Cancel Oscar Health: Step by Step
If you purchased through Oscar directly:
- Call Oscar Health customer service at (855) 672-2755.
- Follow the prompts to speak with a representative.
- Inform the representative that you wish to cancel your membership.
- Provide any required information to verify your identity.
- Request a confirmation of cancellation for your records.
If you purchased through Xpendy:
- Visit the Xpendy website for Oscar Health Insurance cancellation.
- Download a sample cancellation letter template provided on their site.
- Fill out the cancellation letter with your personal information and desired cancellation date.
- Mail the cancellation letter to Oscar Health Insurance's customer service address via certified mail for proof.
- Keep a copy of the letter and any tracking information as confirmation.
Tips & Tricks for Canceling Oscar Health
- 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.
Oscar Health Customer Service Info
If you need assistance, here's how you can get in touch with Oscar Health's support team.
Cancel Oscar Health Script
Script
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Dear Oscar Health Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Oscar Health due to some recent changes in my financial situation. After careful consideration, I have decided it is best for me to discontinue my membership at this time.
I would appreciate your assistance in processing this cancellation as soon as possible. Please confirm once my subscription has been successfully canceled.
Thank you for your understanding and support.
Best regards,
Frequently Asked Questions
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.
- 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 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.
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.
- 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)
We've actually written a step by step guide on how to get a refund from Oscar Health. Check it out!
The Easiest Way to Cancel Oscar Health
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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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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