<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e46de-4d32-7388-9458-37318bd4e8ba,g:eb5c72db-54c2-436e-aeae-52c61139f462-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:oscr="http://www.hioscar.com/20260630" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.hioscar.com/20260630">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oscr-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oscr-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oscr-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oscr-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.hioscar.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofOperations" roleURI="http://www.hioscar.com/role/CondensedConsolidatedStatementsofOperations">
        <link:definition>9952151 - Statement - Condensed Consolidated Statements of Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofComprehensiveIncome" roleURI="http://www.hioscar.com/role/CondensedConsolidatedStatementsofComprehensiveIncome">
        <link:definition>9952152 - Statement - Condensed Consolidated Statements of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedBalanceSheets" roleURI="http://www.hioscar.com/role/CondensedConsolidatedBalanceSheets">
        <link:definition>9952153 - Statement - Condensed Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedBalanceSheetsParenthetical" roleURI="http://www.hioscar.com/role/CondensedConsolidatedBalanceSheetsParenthetical">
        <link:definition>9952154 - Statement - Condensed Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofStockholdersEquity" roleURI="http://www.hioscar.com/role/CondensedConsolidatedStatementsofStockholdersEquity">
        <link:definition>9952155 - Statement - Condensed Consolidated Statements of Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofCashFlows" roleURI="http://www.hioscar.com/role/CondensedConsolidatedStatementsofCashFlows">
        <link:definition>9952156 - Statement - Condensed Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATION" roleURI="http://www.hioscar.com/role/ORGANIZATION">
        <link:definition>9952157 - Disclosure - ORGANIZATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHARE" roleURI="http://www.hioscar.com/role/EARNINGSPERSHARE">
        <link:definition>9952158 - Disclosure - EARNINGS PER SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REVENUERECOGNITION" roleURI="http://www.hioscar.com/role/REVENUERECOGNITION">
        <link:definition>9952159 - Disclosure - REVENUE RECOGNITION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTS" roleURI="http://www.hioscar.com/role/INVESTMENTS">
        <link:definition>9952160 - Disclosure - INVESTMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTS" roleURI="http://www.hioscar.com/role/FAIRVALUEMEASUREMENTS">
        <link:definition>9952161 - Disclosure - FAIR VALUE MEASUREMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RESTRICTEDCASHANDRESTRICTEDDEPOSITS" roleURI="http://www.hioscar.com/role/RESTRICTEDCASHANDRESTRICTEDDEPOSITS">
        <link:definition>9952162 - Disclosure - RESTRICTED CASH AND RESTRICTED DEPOSITS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITSPAYABLE" roleURI="http://www.hioscar.com/role/BENEFITSPAYABLE">
        <link:definition>9952163 - Disclosure - BENEFITS PAYABLE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RISKADJUSTMENT" roleURI="http://www.hioscar.com/role/RISKADJUSTMENT">
        <link:definition>9952164 - Disclosure - RISK ADJUSTMENT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBT" roleURI="http://www.hioscar.com/role/DEBT">
        <link:definition>9952165 - Disclosure - DEBT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REINSURANCE" roleURI="http://www.hioscar.com/role/REINSURANCE">
        <link:definition>9952166 - Disclosure - REINSURANCE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONS" roleURI="http://www.hioscar.com/role/RELATEDPARTYTRANSACTIONS">
        <link:definition>9952167 - Disclosure - RELATED PARTY TRANSACTIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIES" roleURI="http://www.hioscar.com/role/COMMITMENTSANDCONTINGENCIES">
        <link:definition>9952168 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTINFORMATION" roleURI="http://www.hioscar.com/role/SEGMENTINFORMATION">
        <link:definition>9952169 - Disclosure - SEGMENT INFORMATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATIONPolicies" roleURI="http://www.hioscar.com/role/ORGANIZATIONPolicies">
        <link:definition>9955511 - Disclosure - ORGANIZATION (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATIONTables" roleURI="http://www.hioscar.com/role/ORGANIZATIONTables">
        <link:definition>9955512 - Disclosure - ORGANIZATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHARETables" roleURI="http://www.hioscar.com/role/EARNINGSPERSHARETables">
        <link:definition>9955513 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REVENUERECOGNITIONTables" roleURI="http://www.hioscar.com/role/REVENUERECOGNITIONTables">
        <link:definition>9955514 - Disclosure - REVENUE RECOGNITION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSTables" roleURI="http://www.hioscar.com/role/INVESTMENTSTables">
        <link:definition>9955515 - Disclosure - INVESTMENTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSTables" roleURI="http://www.hioscar.com/role/FAIRVALUEMEASUREMENTSTables">
        <link:definition>9955516 - Disclosure - FAIR VALUE MEASUREMENTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RESTRICTEDCASHANDRESTRICTEDDEPOSITSTables" roleURI="http://www.hioscar.com/role/RESTRICTEDCASHANDRESTRICTEDDEPOSITSTables">
        <link:definition>9955517 - Disclosure - RESTRICTED CASH AND RESTRICTED DEPOSITS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITSPAYABLETables" roleURI="http://www.hioscar.com/role/BENEFITSPAYABLETables">
        <link:definition>9955518 - Disclosure - BENEFITS PAYABLE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RISKADJUSTMENTTables" roleURI="http://www.hioscar.com/role/RISKADJUSTMENTTables">
        <link:definition>9955519 - Disclosure - RISK ADJUSTMENT (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTTables" roleURI="http://www.hioscar.com/role/DEBTTables">
        <link:definition>9955520 - Disclosure - DEBT (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REINSURANCETables" roleURI="http://www.hioscar.com/role/REINSURANCETables">
        <link:definition>9955521 - Disclosure - REINSURANCE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTINFORMATIONTables" roleURI="http://www.hioscar.com/role/SEGMENTINFORMATIONTables">
        <link:definition>9955522 - Disclosure - SEGMENT INFORMATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATIONDetails" roleURI="http://www.hioscar.com/role/ORGANIZATIONDetails">
        <link:definition>9955523 - Disclosure - ORGANIZATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATIONScheduleofAllowanceforCreditLossesonRiskSharingReceivablesDetails" roleURI="http://www.hioscar.com/role/ORGANIZATIONScheduleofAllowanceforCreditLossesonRiskSharingReceivablesDetails">
        <link:definition>9955524 - Disclosure - ORGANIZATION - Schedule of Allowance for Credit Losses on Risk Sharing Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHAREScheduleofBasicandDilutedEarningsPerShareDetails" roleURI="http://www.hioscar.com/role/EARNINGSPERSHAREScheduleofBasicandDilutedEarningsPerShareDetails">
        <link:definition>9955525 - Disclosure - EARNINGS PER SHARE - Schedule of Basic and Diluted Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHAREScheduleofAntidilutiveSecuritiesExcludedFromComputationDetails" roleURI="http://www.hioscar.com/role/EARNINGSPERSHAREScheduleofAntidilutiveSecuritiesExcludedFromComputationDetails">
        <link:definition>9955526 - Disclosure - EARNINGS PER SHARE - Schedule of Antidilutive Securities Excluded From Computation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REVENUERECOGNITIONScheduleofEffectsofReinsuranceDetails" roleURI="http://www.hioscar.com/role/REVENUERECOGNITIONScheduleofEffectsofReinsuranceDetails">
        <link:definition>9955527 - Disclosure - REVENUE RECOGNITION - Schedule of Effects of Reinsurance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REVENUERECOGNITIONNarrativeDetails" roleURI="http://www.hioscar.com/role/REVENUERECOGNITIONNarrativeDetails">
        <link:definition>9955528 - Disclosure - REVENUE RECOGNITION - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSScheduleofInvestmentIncomeDetails" roleURI="http://www.hioscar.com/role/INVESTMENTSScheduleofInvestmentIncomeDetails">
        <link:definition>9955529 - Disclosure - INVESTMENTS - Schedule of Investment Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSNarrativeDetails" roleURI="http://www.hioscar.com/role/INVESTMENTSNarrativeDetails">
        <link:definition>9955530 - Disclosure - INVESTMENTS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSScheduleofInvestmentsDetails" roleURI="http://www.hioscar.com/role/INVESTMENTSScheduleofInvestmentsDetails">
        <link:definition>9955531 - Disclosure - INVESTMENTS - Schedule of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSScheduleofInvestmentsDetails_1" roleURI="http://www.hioscar.com/role/INVESTMENTSScheduleofInvestmentsDetails_1">
        <link:definition>9955531 - Disclosure - INVESTMENTS - Schedule of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSScheduleofInvestmentsinaGrossUnrealizedLossPositionDetails" roleURI="http://www.hioscar.com/role/INVESTMENTSScheduleofInvestmentsinaGrossUnrealizedLossPositionDetails">
        <link:definition>9955532 - Disclosure - INVESTMENTS - Schedule of Investments in a Gross Unrealized Loss Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSScheduleofContractualMaturitiesofAvailableForSaleSecuritiesDetails" roleURI="http://www.hioscar.com/role/INVESTMENTSScheduleofContractualMaturitiesofAvailableForSaleSecuritiesDetails">
        <link:definition>9955533 - Disclosure - INVESTMENTS - Schedule of Contractual Maturities of Available-For-Sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofAssetsandLiabilitiesMeasuredonRecurringBasisDetails" roleURI="http://www.hioscar.com/role/FAIRVALUEMEASUREMENTSScheduleofAssetsandLiabilitiesMeasuredonRecurringBasisDetails">
        <link:definition>9955534 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of Assets and Liabilities Measured on Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RESTRICTEDCASHANDRESTRICTEDDEPOSITSDetails" roleURI="http://www.hioscar.com/role/RESTRICTEDCASHANDRESTRICTEDDEPOSITSDetails">
        <link:definition>9955535 - Disclosure - RESTRICTED CASH AND RESTRICTED DEPOSITS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITSPAYABLEDetails" roleURI="http://www.hioscar.com/role/BENEFITSPAYABLEDetails">
        <link:definition>9955536 - Disclosure - BENEFITS PAYABLE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITSPAYABLEDetails_1" roleURI="http://www.hioscar.com/role/BENEFITSPAYABLEDetails_1">
        <link:definition>9955536 - Disclosure - BENEFITS PAYABLE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RISKADJUSTMENTScheduleofRiskAdjustmentReceivablesandPayablesDetails" roleURI="http://www.hioscar.com/role/RISKADJUSTMENTScheduleofRiskAdjustmentReceivablesandPayablesDetails">
        <link:definition>9955537 - Disclosure - RISK ADJUSTMENT - Schedule of Risk Adjustment Receivables and Payables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTNarrativeDetails" roleURI="http://www.hioscar.com/role/DEBTNarrativeDetails">
        <link:definition>9955538 - Disclosure - DEBT - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtScheduleofDebtCarryingAmountsandEstimatedFairValuesDetails" roleURI="http://www.hioscar.com/role/DebtScheduleofDebtCarryingAmountsandEstimatedFairValuesDetails">
        <link:definition>9955539 - Disclosure - Debt - Schedule of Debt, Carrying Amounts and Estimated Fair Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTScheduleofDebtInterestExpenseDetails" roleURI="http://www.hioscar.com/role/DEBTScheduleofDebtInterestExpenseDetails">
        <link:definition>9955540 - Disclosure - DEBT - Schedule of Debt, Interest Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REINSURANCENarrativeDetails" roleURI="http://www.hioscar.com/role/REINSURANCENarrativeDetails">
        <link:definition>9955541 - Disclosure - REINSURANCE - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REINSURANCENarrativeDetails_1" roleURI="http://www.hioscar.com/role/REINSURANCENarrativeDetails_1">
        <link:definition>9955541 - Disclosure - REINSURANCE - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REINSURANCEReinsuranceArrangementsDetails" roleURI="http://www.hioscar.com/role/REINSURANCEReinsuranceArrangementsDetails">
        <link:definition>9955542 - Disclosure - REINSURANCE - Reinsurance Arrangements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONSDetails" roleURI="http://www.hioscar.com/role/RELATEDPARTYTRANSACTIONSDetails">
        <link:definition>9955543 - Disclosure - RELATED PARTY TRANSACTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESDetails" roleURI="http://www.hioscar.com/role/COMMITMENTSANDCONTINGENCIESDetails">
        <link:definition>9955544 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTINFORMATIONDetails" roleURI="http://www.hioscar.com/role/SEGMENTINFORMATIONDetails">
        <link:definition>9955545 - Disclosure - SEGMENT INFORMATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="oscr_NetInvestmentIncomeAndRealizedGainsLossesOnInvestments" abstract="false" name="NetInvestmentIncomeAndRealizedGainsLossesOnInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ReceivablesFromCentersForMedicareAndMedicaidServices" abstract="false" name="ReceivablesFromCentersForMedicareAndMedicaidServices" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_PayablesToCentersForMedicareAndMedicaidServices" abstract="false" name="PayablesToCentersForMedicareAndMedicaidServices" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_IncreaseDecreaseInReceivablesFromCentersForMedicareAndMedicaidServices" abstract="false" name="IncreaseDecreaseInReceivablesFromCentersForMedicareAndMedicaidServices" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_IncreaseDecreaseInPayableToCentersForMedicareAndMedicaidServices" abstract="false" name="IncreaseDecreaseInPayableToCentersForMedicareAndMedicaidServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentDisclosureTextBlock" abstract="false" name="RiskAdjustmentDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="oscr_PremiumsAndOtherReceivablesAllowanceForCreditLossTableTextBlock" abstract="false" name="PremiumsAndOtherReceivablesAllowanceForCreditLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="oscr_ScheduleOfRiskAdjustmentReceivablesAndPayablesTableTextBlock" abstract="false" name="ScheduleOfRiskAdjustmentReceivablesAndPayablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="oscr_NumberOfMembers" abstract="false" name="NumberOfMembers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="oscr_RiskAdjustmentTransferReceivablesAllowanceForCreditLossRollForward" abstract="true" name="RiskAdjustmentTransferReceivablesAllowanceForCreditLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_PremiumsAndOtherReceivablesAllowanceForCreditLoss" abstract="false" name="PremiumsAndOtherReceivablesAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_PremiumsAndOtherReceivablesAllowanceForCreditLossPeriodIncreaseDecrease" abstract="false" name="PremiumsAndOtherReceivablesAllowanceForCreditLossPeriodIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_PremiumsAndOtherReceivablesWriteoffs" abstract="false" name="PremiumsAndOtherReceivablesWriteoffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_PremiumsAndOtherReceivablesRecoveriesCollected" abstract="false" name="PremiumsAndOtherReceivablesRecoveriesCollected" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_NetEarningsLossPerShareBasicAndDilutedAbstract" abstract="true" name="NetEarningsLossPerShareBasicAndDilutedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_PremiumsEarnedRiskAdjustment" abstract="false" name="PremiumsEarnedRiskAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_CededPremiumsEarnedIncludingPriorPeriodAdjustments" abstract="false" name="CededPremiumsEarnedIncludingPriorPeriodAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_CentersForMedicareMedicaidServiceMember" abstract="true" name="CentersForMedicareMedicaidServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_PremiumSubsidiesAsPercentageOfDirectPremiumsEarned" abstract="false" name="PremiumSubsidiesAsPercentageOfDirectPremiumsEarned" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="oscr_AdvancedPremiumTaxCreditPayable" abstract="false" name="AdvancedPremiumTaxCreditPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtSecuritiesAvailableForSaleMember" abstract="true" name="DebtSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_InvestmentsAmortizedCost" abstract="false" name="InvestmentsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAbstract" abstract="true" name="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAbstract" abstract="true" name="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_RestrictedInvestmentsFairValueDisclosure" abstract="false" name="RestrictedInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForClaimsAndClaimsAdjustmentExpenseAndLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAdjustments" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseAndLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForClaimsAndClaimsAdjustmentExpenseNetOfReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseNetOfReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsBenefitsPayableAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsBenefitsPayableAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsIncurredClaimsCurrentYear" abstract="false" name="LiabilityForUnpaidClaimsIncurredClaimsCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsIncurredClaimsPriorYear" abstract="false" name="LiabilityForUnpaidClaimsIncurredClaimsPriorYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsIncurredClaims" abstract="false" name="LiabilityForUnpaidClaimsIncurredClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCAEAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCAEAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseIncurredClaimsCurrentYear" abstract="false" name="ClaimsAdjustmentExpenseIncurredClaimsCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseIncurredClaimsPriorYear" abstract="false" name="ClaimsAdjustmentExpenseIncurredClaimsPriorYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseIncurredClaims" abstract="false" name="ClaimsAdjustmentExpenseIncurredClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsTotalAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsTotalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidBenefitsPayableAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidBenefitsPayableAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsClaimsPaidCurrentYear" abstract="false" name="LiabilityForUnpaidClaimsClaimsPaidCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsClaimsPaidPriorYear" abstract="false" name="LiabilityForUnpaidClaimsClaimsPaidPriorYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsClaimsPaid" abstract="false" name="LiabilityForUnpaidClaimsClaimsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCAEAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCAEAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseClaimsPaidCurrentYear" abstract="false" name="ClaimsAdjustmentExpenseClaimsPaidCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseClaimsPaidPriorYear" abstract="false" name="ClaimsAdjustmentExpenseClaimsPaidPriorYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ClaimsAdjustmentExpenseClaimsPaid" abstract="false" name="ClaimsAdjustmentExpenseClaimsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidTotalAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidTotalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_RiskAdjustmentPeriodAxis" abstract="true" name="RiskAdjustmentPeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="oscr_RiskAdjustmentPeriodDomain" abstract="true" name="RiskAdjustmentPeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_CurrentYearMember" abstract="true" name="CurrentYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_PriorYearsMember" abstract="true" name="PriorYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_ChangesInRiskAdjustmentRollForward" abstract="true" name="ChangesInRiskAdjustmentRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="oscr_RiskAdjustmentReceivable" abstract="false" name="RiskAdjustmentReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentPayable" abstract="false" name="RiskAdjustmentPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentNet" abstract="false" name="RiskAdjustmentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentReceivableAccrualPeriodIncreaseDecrease" abstract="false" name="RiskAdjustmentReceivableAccrualPeriodIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentPayableAccrualPeriodIncreaseDecrease" abstract="false" name="RiskAdjustmentPayableAccrualPeriodIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_RiskAdjustmentAccrualNetPeriodIncreaseDecrease" abstract="false" name="RiskAdjustmentAccrualNetPeriodIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_A725ConvertibleSeniorNotesDue2031Member" abstract="true" name="A725ConvertibleSeniorNotesDue2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_A2.25ConvertibleSeniorNotesDue2030Member" abstract="true" name="A2.25ConvertibleSeniorNotesDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_OptionIndexedToIssuersEquityTransactionCost" abstract="false" name="OptionIndexedToIssuersEquityTransactionCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_LineofCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineofCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ConvertibleSeniorNotesMember" abstract="true" name="ConvertibleSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_ReinsuranceDepositLiability" abstract="false" name="ReinsuranceDepositLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ReinsuranceDepositAccountingExpenseNet" abstract="false" name="ReinsuranceDepositAccountingExpenseNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_QuotaShareReinsuranceProgramPercentageOfPremiumsCeded" abstract="false" name="QuotaShareReinsuranceProgramPercentageOfPremiumsCeded" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="oscr_PolicyholderBenefitsAndClaimsIncurredAssumedNetOfAdjustments" abstract="false" name="PolicyholderBenefitsAndClaimsIncurredAssumedNetOfAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ReinsuranceRecoverableForPaidAndUnpaidCededClaimsAndClaimsAdjustments" abstract="false" name="ReinsuranceRecoverableForPaidAndUnpaidCededClaimsAndClaimsAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ReinsuranceRecoverableCededCommissions" abstract="false" name="ReinsuranceRecoverableCededCommissions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_ReinsuranceRecoverableExperienceRefunds" abstract="false" name="ReinsuranceRecoverableExperienceRefunds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtInstrumentExchangeAuthorizedAmount" abstract="false" name="DebtInstrumentExchangeAuthorizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtInstrumentExchangeConsiderationAuthorized" abstract="false" name="DebtInstrumentExchangeConsiderationAuthorized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtInstrumentExchangeAmount" abstract="false" name="DebtInstrumentExchangeAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtInstrumentExchangeConsiderationShares" abstract="false" name="DebtInstrumentExchangeConsiderationShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="oscr_DebtConversionInducementPaymentTotalConsideration" abstract="false" name="DebtConversionInducementPaymentTotalConsideration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtConversionInducementPaymentCashConsideration" abstract="false" name="DebtConversionInducementPaymentCashConsideration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtConversionInducementPaymentEquityConsiderationAmount" abstract="false" name="DebtConversionInducementPaymentEquityConsiderationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_DebtConversionInducementPaymentEquityConsiderationSharesIssued" abstract="false" name="DebtConversionInducementPaymentEquityConsiderationSharesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="oscr_LossContingencyDamagesAwardedSettlementFundsDistributedPercent" abstract="false" name="LossContingencyDamagesAwardedSettlementFundsDistributedPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="oscr_LossContingencyDamagesAwardedSettlementFundsWithheldPercent" abstract="false" name="LossContingencyDamagesAwardedSettlementFundsWithheldPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="oscr_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="oscr_SellingGeneralAndAdministrationExpenseMemberAcquisitionAndServicingCosts" abstract="false" name="SellingGeneralAndAdministrationExpenseMemberAcquisitionAndServicingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_SellingGeneralAndAdministrationExpenseTaxesAndFees" abstract="false" name="SellingGeneralAndAdministrationExpenseTaxesAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="oscr_SellingGeneralAndAdministrationExpenseAllOtherServicingCosts" abstract="false" name="SellingGeneralAndAdministrationExpenseAllOtherServicingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
