Common complaints lodged against Oscar Health by policyholders typically involve narrow provider networks in specific regional markets, unexpected out-of-pocket billing issues, and frustrations regarding prior authorization approvals for specialized medical treatments. Additionally, some users have reported challenges navigating customer service phone trees or experiencing confusion regarding pharmacy benefit copay tiers. While many members praise its user-friendly mobile app and free virtual care, regional variations in doctor availability remain a frequent source of policyholder grievances.