The policy states Oscar's services are not directed to children under 13, that it does not knowingly collect personal information from this age group, and that it endeavors to delete such information if discovered. For individuals aged 13 to 16, the policy states Oscar does not sell or share their information without affirmative authorization, conditioned on Oscar having actual knowledge of the individual's age.
This analysis describes what Oscar Health's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The age 13 to 16 protection is conditioned on Oscar having 'actual knowledge' of the individual's age, which is a standard limitation that means the protection may not apply where age is not verified or disclosed; this is a common limitation in online privacy policies that may be evaluated against COPPA and applicable state minor privacy requirements.
Under this provision, Oscar does not sell or share data about users aged 13 to 16 without affirmative authorization if it has actual knowledge of their age; however, no age verification mechanism is described in the policy. Users under 13 are prohibited from using the services and the policy states any collected data will be deleted upon discovery.
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Compare across platforms →"Our Services are not directed to children under 13 years old. If you are under age 13, you may not use the Site or Services. We do not knowingly collect Personal Information from, or target our Services to, children under the age 13, and endeavor to promptly delete such information if we become aware of it... We do not sell or share information about individuals between 13-16 years old without affirmative authorization to do so, if we have actual knowledge of the individual's age.Excerpt from Oscar Health's Privacy Policy
1) REGULATORY LANDSCAPE: This provision implicates the Children's Online Privacy Protection Act (COPPA), enforced by the FTC, which applies to online services directed to children under 13 or where the operator has actual knowledge of …
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The age 13 to 16 protection is conditioned on Oscar having 'actual knowledge' of the individual's age, which is a standard limitation that means the protection may not apply where age is not verified or disclosed; this is a common limitation in online privacy policies that may be evaluated against COPPA and applicable state minor privacy requirements.
Under this provision, Oscar does not sell or share data about users aged 13 to 16 without affirmative authorization if it has actual knowledge of their age; however, no age verification mechanism is described in the policy. Users under 13 are prohibited from using the services and the policy states any collected data will be deleted upon discovery.
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