Oscar Health continues to deepen its footprint in the ACA marketplace—by 2025, the company will offer plans in 504 counties across 18 states, powered by its full-stack technology platform and member‑centric care model. Under CEO Mark Bertolini, Oscar introduces differentiated offerings such as Buena Salud, a Spanish-first plan that pairs Hispanic and Latino members with culturally aligned care teams and has seen a strong response (NPS ~87). For enrollees with chronic conditions, Oscar now provides targeted coverage like single-condition plans (for diabetes or pulmonary care) and a multi-condition bundle addressing diabetes, pulmonary, and cardiovascular care, all featuring $0 specialist visits, labs, screenings, primary and behavioral care, and medication—aimed at reducing costs by over 25%. Additionally, Oscar’s Guided Care HMO offers coordinated care with a primary care guide, $0 virtual urgent care, medications, and lower-cost labs. By blending affordability, customization, digital convenience, and culturally responsive features, Oscar’s ACA plans are redefining marketplace insurance to help members better navigate care and expenses.