Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Sep 15, 2026; our capture on Oct 15, 2026 found the same text, but its identity was not checked by them.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“Any arbitration under these Terms will take place on an individual basis: class arbitrations and class actions are not permitted. YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND OSCAR ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY...”
“the health information and other content appearing on the Services...is for informational purposes only. YOUR USE OF THE CONTENT IS SOLELY AT YOUR OWN RISK.”
“You hereby grant Oscar a royalty-free, fully-paid perpetual, sublicenseable, irrevocable, and worldwide license to translate, modify and reproduce and otherwise act with respect to such User Submissions...”
“FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) OF THE GREATER OF (A) FEES PAID TO US FOR THE PARTICULAR SERVICES DURING THE IMMEDIATELY PREVIOUS THREE (3) MONTH PERIOD OR (B) $100.00.”
“We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services.”
“Oscar is also free to terminate (or suspend access to) your use of the Services, for any reason in our discretion, including your breach of these Terms.”
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 to use it, including to train its AI systems. If something goes wrong, Oscar Health's financial responsibility to you is capped at $100 or three months of fees, and you must resolve any dispute with Oscar Health individually, not as part of a class action.
Oscar Health's Terms of Use establish the conditions under which users may access and interact with the Services, limiting permitted use to personal, non-commercial purposes for the user and their family members or dependents. The document grants Oscar Health a perpetual, irrevocable, royalty-free, worldwide, sublicenseable license over User Submissions and expressly permits Oscar Health to use de-identified and anonymized User Submissions to train, optimize, and enhance its AI Technology. Liability exposure is constrained through a full disclaimer of warranties on an as-is basis, a direct-damages cap at the greater of three months of fees paid or $100.00, and a designation of health content as informational-only used at the user's sole risk. Dispute resolution is confined to individual arbitration, prohibiting class arbitrations and class actions, and users bear broad indemnification obligations for all liabilities arising from their use or misuse of the Services. Oscar Health retains unilateral discretion to modify the Terms with notice only for material changes, and to suspend, discontinue, or terminate user access for any reason.
As an individual user, you are bound by several provisions that directly affect your rights. Health information on the Services is provided for informational purposes only, and you bear sole responsibility for how you rely on it. AI-generated content may be inaccurate or unreviewed by a human, and you are responsible for verifying its accuracy. Any content you submit becomes subject to a permanent, irrevocable, royalty-free license that Oscar Health may sublicense to third parties. If you have a dispute, you must pursue it individually rather than joining a class action or class arbitration, and any financial recovery for direct damages is capped at the greater of fees you paid in the prior three months or $100.00. You are also responsible for defending and indemnifying Oscar Health from claims arising out of your use or misuse of the Services. Oscar Health can change the Terms at any time; material changes will be communicated by a notice posted on the Services or sent to you by email.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“Any arbitration under these Terms will take place on an individual basis: class arbitrations and class actions are not permitted. YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND OSCAR ARE EACH WAIVING THE RIGHT TO TRIAL …”
“the health information and other content appearing on the Services...is for informational purposes only. YOUR USE OF THE CONTENT IS SOLELY AT YOUR OWN RISK.”
“You hereby grant Oscar a royalty-free, fully-paid perpetual, sublicenseable, irrevocable, and worldwide license to translate, modify and reproduce and otherwise act with respect to such User Submissions...”
“FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) OF THE GREATER OF (A) FEES PAID TO US FOR THE PARTICULAR SERVICES DURING THE IMMEDIATELY PREVIOUS THREE (3) MONTH PERIOD OR (B) $100.00.”
“We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services.”
“Oscar is also free to terminate (or suspend access to) your use of the Services, for any reason in our discretion, including your breach of these Terms.”
“Oscar may utilize any User Submission (in a de-identified and anonymized form) to train, optimize, ground or otherwise enhance its AI Technology.”
“We reserve the right to change the Terms at any time, but if we make any material changes, we will bring it to your attention by placing a notice on the Services, by sending you an email...”
“You will only use the Services for your own internal, personal, non-commercial use, and the personal, non-commercial use of your family members or dependents...”
“THE SERVICES AND CONTENT ARE PROVIDED BY OSCAR (AND ITS LICENSORS AND SUPPLIERS) ON AN "AS-IS" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED...”
“you shall defend, indemnify, and hold harmless Oscar, our affiliates...from all liabilities, claims, damages, losses and expenses, including reasonable attorneys' fees, that arise from or relate to your use or misuse of...the Site...”
“The output of AI Technology may be inaccurate, incomplete, and may not be reviewed by a human before being displayed to you. You are responsible for verifying the accuracy and completeness...”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
We have not recorded a change to this document since we began capturing it. Monitor includes alerts from a daily check, structured change summaries, and monitoring for up to 20 platforms.
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