A health insurance company that offers individual and family health plans, Medicare Advantage plans, and small group coverage through digital-first platforms and mobile applications. The company provides direct primary care services and uses technology to help members navigate healthcare decisions, find providers, and manage their health benefits. Their policies govern how personal health information is collected, used, and shared, as well as the terms for accessing insurance benefits and digital health services.

2 Documents
18 All provisions 4 High severity 10 Medium severity 4 Low severity
0 Changes · 12 mo
- Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Liability Limitation
23 provisions · 9 high · 12 med
Contract Terms
20 provisions · 2 high · 12 med
Privacy Rights
19 provisions · 8 high · 11 med
Data Collection
17 provisions · 5 high · 11 med
Acceptable Use
15 provisions · 10 high · 3 med
Arbitration
13 provisions · 4 high · 8 med
Data Sharing
13 provisions · 4 high · 8 med
Ai Automated
9 provisions · 6 high · 3 med
Intellectual Property
9 provisions · 5 high · 3 med
Data Usage
9 provisions · 1 high · 7 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High California PI sold or shared with third parties

Personal information may be transferred to a broad range of commercial third parties, and the legal definitions of 'sold' and 'shared' under state privacy laws determine the full scope of this disclo…

High Opt out right from selling or sharing personal information

Users retain an ongoing right to stop the commercial transfer of their personal information, though the scope of that right is limited by service provider relationships and other legal exceptions.

High Account permanently terminated upon deletion request

Account deletion is irreversible, and the scope of data deletion is conditioned on applicable laws, meaning some information may be retained despite the request.

High State specific consumer access correction deletion rights

Users have an affirmative right to obtain detailed insight into what personal information Oscar Health holds, where it came from, and how it has been used or transferred.

High Third party advertising cookies and targeting

Oscar Health may share user activity data with advertising partners through targeting cookies, enabling interest-based advertising that relies on tracking user behavior.

Document Coverage
Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 18
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Documents

Oscar Health Privacy Policy

Medium

Oscar Health's Privacy Policy explains what personal information the company collects—including sensitive details like your Social Security number—and how it may share that information with advertising partners, analytics services, and …

Last updated May 5, 2026 · Privacy policy
10 provisions 1 version captured Version history →

Oscar Health Terms of Use

High

These Terms govern how you can use Oscar Health's Services — personal use only, not for business purposes. If you submit any content, Oscar Health gets a permanent, irrevocable license …

Last updated May 5, 2026 · Terms of service
8 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

Low Severity Provisions (0)

No provisions found.

View all high severity provisions → Compare Oscar Health with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
HIPAA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
TCPA
United States Federal
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Oscar Health documents does ConductAtlas track?

ConductAtlas tracks 2 Oscar Health documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Oscar Health made in the past year?

Oscar Health has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Oscar Health?

ConductAtlas has classified 18 provisions across Oscar Health's tracked documents. 4 are rated high severity, 10 medium, and 4 low.

Can I get alerts when Oscar Health changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Oscar Health to their watchlist and receive same-day email alerts whenever any tracked document changes.