Oscar Metro Plus PPO

Oscar Metro Plus PPO is a health insurance plan from Oscar Health, available to residents of United States. Sum insured ranges from $9.4K, eligible ages 0 to 64, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at $350, against a category median of $320 across the 13 comparable health plans we track in this country. That places Oscar Metro Plus PPO in the upper-mid range on price, and the bottom quintile on coverage ceiling (maximum sum insured $9.4K versus a peer median of $9.4K). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 5 highlighted features, and 0 optional riders. Notable features called out by Oscar Health include Tech-forward insurer, Dedicated Care Team, and $0 virtual urgent care.

Where Oscar Metro Plus PPO explicitly will not pay: Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Skip if: you need coverage above the plan's maximum sum insured. As with any insurance decision, get a quote from Oscar Health directly to confirm the rate that actually applies to your profile — listed prices are illustrative.