Our expert, Ann, says:

"We've picked our two favorite Bronze plans for freelancers seeking a "pay as you go" approach to health care. With more affordable monthly premiums, both plans offer negotiated rates for care until you've met your deductible."

Also check out Ann's Hospital Comparison below. Need more help choosing a plan? Check out Everything Freelancers Need to Know About Health Insurance

How Do They Compare?

Costs & What's Covered

  • Oscar’s plan is less expensive and both have the same deductibles
  • The Oscar Center offers free primary care and mental health support in Downtown Brooklyn
  • Both have the same coinsurance
  • Both offer one free wellness visit

Where You Access Care

  • EmblemHealth provides a broader hospital network while Oscar's focuses on the Mt. Sinai and Montefiore hospital systems
  • Both cover care provided in-network only
  • Both provide care centers: Emblem Health Neighborhood Centers and Oscar Health Centers

How You Access Care

  • Both offer free telemedicine so you can call a doctor at any time
  • Oscar offers a handy app with services to help you reach doctors & schedule appointments
  • EmblemHealth requires referrals; Oscar does not

What About Subsidies?

  • Subsidies are available for both of these plans.
  • Click the link to visit the carrier your choose.
  • They will ask for your income and let you know if you qualify.
  • If you qualify, you'll need to complete your enrollment over the phone at the numbers below.

For More Information Call

Oscar: 844-OSCAR-85

EmblemHealth: 866-838-9144

Our expert, Ann, says:

"One of the biggest differences between insurance carriers is the set of doctors and hospitals who will take their insurance. To get you started, we compared some of the major hospitals listed in each network (this is not a complete list). These things can change so be sure to double-check directly with the insurance company."

Before you buy: Make sure there are doctors and hospitals you trust in the network.

Brooklyn EmblemHealth SelectCare Oscar
Brooklyn Hospital Center
Kingsbrook Jewish Medical Center
Mt Sinai
NYU Lutheran
Manhattan EmblemHealth SelectCare Oscar
Bellevue Hospital Center
Beth Israel (Mt Sinai)
Hospital for Special Surgery
Lenox Hill Hospital
Mt Sinai Hospital
NY Presbyterian Hospital
St Lukes (Mt Sinai)
Weill Cornell Medical Center
Long Island EmblemHealth SelectCare Oscar
Huntington Hospital
John T Mather Memorial Hospital
LIJ Medical Center
North Shore University Hospital
St. Francis Hospital
LIJ - Valley Stream

This comparison is designed to be a helpful tool only and is not a complete list. We do not guarantee the in-network status of any hospital. Always check directly with the insurance carrier to confirm network participation.