Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Oscar Health

hioscar.comOSCR

InsurtechInsurance

Also in the US AI Visibility Study

Statement period
September 23 and 24, 2026
when the AI assistants were asked
Account no.
191 of 2,219
its rank by overall score
Place in its category
3rd of 18 insurtech companies
Closing balance

Named in

8of 60 answers

by 4 of 4 assistants

Statement note

What this means for Oscar Health

AI assistants name Oscar Health in 13.3% of answers, which is much more often than the typical company in its sector at 1.7%. Its overall score is 41 out of 100, ranking 191st of 2,219 companies and 6th of 97 in its sector. Its website passes 5 out of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Oscar Health by name. AI assistants named it in 8 of the 60 answers. Counting only how often it is named, it ranks 9th of 97 in its sector. The typical insurer is named in 1.7% of answers.

Overall score
41Overall score
  • Visibility17
  • Citations1
  • Sentiment94
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
13.3%
8 of 60 answers
Share of mentions
26.7%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 3
Rank in its sector
6 of 97
by overall score, where the typical insurer scores 28

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Line itemsSection 01

Every question, and where the company came up

Oscar Health came up on 3 of 15 questions. Open any window to read that answer.

  1. 01Which health insurance providers offer easy-to-use tech for plan management?4/4
  2. 02Is it a good idea to choose a plan with zero-dollar virtual care visits?0/4
  3. 03How can families maximize wellness rewards offered by their health insurance provider?0/4
  4. 04What alternatives exist to traditional health insurance for people seeking flexible care options?0/4
  5. 05Which types of health insurance plans work best for self-employed individuals needing preventative care?0/4
  6. 06How does individual health insurance compare to small business plans in terms of coverage and flexibility?0/4
  7. 07Virtual care benefits vs. traditional telehealth in health insurance plans—what's the difference?0/4
  8. 08How do premiums and deductibles differ for small business versus personal health insurance plans?0/4
  9. 09What are the best health insurance options for families looking for virtual care services?3/4
  10. 10What are the typical costs of individual versus family health plans with virtual care features in the US?0/4
  11. 11What can cause delays in getting covered services approved under a health insurance plan?0/4
  12. 12Why might someone have trouble using their health insurance virtual care benefits online?0/4
  13. 13Are affordable health insurance plans with mental health support worth it for young adults?0/4
  14. 14Are healthcare sharing arrangements a good substitute for health insurance in the US?0/4
  15. 15Best health insurance choices for those needing frequent specialist visits and prescription coverage?1/4
Total namedOpenAI: 2/15Claude: 2/15Perplexity: 2/15Gemini: 2/15All assistants: 8/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Which health insurance providers offer easy-to-use tech for plan management?”

If you mean health insurance companies with user-friendly digital tools for managing plans, the strongest matches in the results are Blue Cross Blue Shield, Kaiser Permanente, UnitedHealthcare, Oscar, and Collective Health.

Blue Cross Blue Shield — Forbes rated its digital experience “Excellent” for website/app usability, online account management, premium payments, and doctor search.

Kaiser Permanente — Forbes also rated it “Excellent” for digital experience, and it offers telehealth through its app plus simplified billing in its integrat …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Share of mentions

CompanyShare
  1. Blue Cross Blue Shield (individual/family plans)
    30.0%
  2. Oscar Health
    26.7%
  3. Cigna Healthcare (ACA Individual & Family Plans)
    26.7%
  4. Ambetter Health
    16.7%
  5. Bright Health
    0.0%
  6. Molina Healthcare
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    uhc.com
    21
  2. 02
    cigna.com
    19
  3. 03
    forbes.com
    14
  4. 04
    healthinsurance.org
    13
  5. 05
    hsaforamerica.com
    13
  6. 06
    anthem.com
    12
  7. 07
    ehealthinsurance.com
    11
  8. 08
    moneygeek.com
    10
  9. 09
    pmc.ncbi.nlm.nih.gov
    10
  10. 10
    healthcareinsider.com
    10

Oscar Health is in the study as an insurtech company.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
2/15
Perplexity
2/15
Claude
2/15
OpenAI
2/15
Market comparisonSection 06

How Oscar Health compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
17

How often AI assistants name the company, and how that compares with its peers

Citations
1

How often AI uses the company's own website as a source

Sentiment
94

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
36

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with insurers

97 companies in this sector. The gold tick on each bar is the typical company.

Overall score
41
Ranks 6 of 97. Typical company: 28
Named in answers
13.3%
Ranks 9 of 97. Typical company: 1.7%
AI readiness
36
Ranks 7 of 97. Typical company: 29
Against its categorySection 08

Compared with insurtech companies

18 companies in this category. The gold tick on each bar is the typical company.

Overall score
41
Ranks 3 of 18. Typical company: 29
Named in answers
13.3%
Ranks 2 of 18. Typical company: 1.7%
AI readiness
36
Ranks 3 of 18. Typical company: 33
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Oscar Health publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 36 of 100 · 97% of checks could run · checked on October 5, 2026 · www.hioscar.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

5 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 41 of 100 badge for Oscar Health

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/hioscar.com"><img src="https://aeo-audit.rezolve.com/finance/badges/hioscar.com.svg" alt="Overall score 41 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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