Learn what is covered and how to enroll your team members
Oyster Health US is health insurance coverage available to Team Members and their dependents in the United States.
Note: The pricing listed in this article is for health insurance only.
There are additional mandatory costs for Dental, Vision, Short-term disability, Long-term disability, Life Insurance and Accidental Death & Dismemberment with varying amounts of employer contributions.
Pricing for Health Insurance
Pricing starts at $195/month, plus team member contributions, depending on your funding strategy.
Oyster Health US has 5 different funding strategies which can separated into 2 categories:
Class A - Employer pays 100% of costs (including dependents) for both plans (MVP Silver and MVP Ultra)
Class B - Employer pays 100% of costs for Team Members under both plans, 100% for dependents under Silver and 50% for dependents under Ultra
Class C - Employer pays 100% of costs for Team Members under both plans, 50% for dependents under Silver, and 0% for dependents under Ultra
Class D - Employer pays a maximum of $450 for medical and not all health coverage, regardless of dependents
Class E - Employer pays $195 toward health coverage, regardless of dependents
Per team member per month
Class A: $427.50 - $1,411.95
Class B: $427.50 - $1,003.65
Class C: $427.50 - $595.35
Class D: $427.50 - $575.05
Class E: $195
If you choose Class A to offer, then your cost is between $427.50 and $1,411.95 per team member per month depending on whether the team member chooses the Silver or the Ultra and whom they choose to cover.
Alternatively if you choose Class E, your cost is always $195 per team member per month.
Note: Employers must contribute to health care insurance for all Team Members, unless a Team Member opts out.
Full coverage details about Oyster Health US can be found in the documents linked below...
Set up your team on health insurance
When you will submit a new hire on Oyster, our onboarding team will help set up your team members with Oyster Health US.