Create a new membership

post

https://ichra-api-staging.hioscar.com:444/ichra-api/v1/memberships/create-membership

Create a net-new enrollment for a member and their dependents. This endpoint is used when onboarding members who do not yet have an existing Oscar contract. All enrollees in the request are treated as additions. A policy holder must be included in the enrollees list.

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Body Params

is_ichra

boolean

required

Indicates the type of enrollment. When true, the enrollment is treated as an ICHRA enrollment. When false, it is treated as a non-ICHRA off-exchange enrollment.

hra_vendor

string

enum

The HRA vendor administering the policy. Optional in general: when omitted, the vendor is inferred from the authenticating client certificate. Required when submitting through a middleware/aggregator integration (a single integration that enrolls on behalf of multiple HRA vendors), where it identifies which HRA vendor administers this specific policy. Must be one of the listed values; the NONE and UNKNOWN_VENDOR sentinels are not accepted.

writing_agent

object

servicing_agent

object

Servicing agent information. Unlike BrokerInfo, first_name and last_name are optional.

policy_info

object

required

qle_info

object

Qualifying Life Event information. Required for changes outside of the Open Enrollment window (additions and changes); not required for terminations, cancellations, or reinstatements.

employer_info

object

Employer information for ICHRA enrollments.

responsible_person

object

The responsible person (RP) is required for child-only policies. i.e. when the policy holder is under 19 at the coverage start date (omitting it yields a RESPONSIBLE_PERSON_REQUIRED error). Must be omitted for adult policies, i.e. when the policy holder is 19 or older at the coverage start date (including it yields a RESPONSIBLE_PERSON_NOT_ALLOWED error). No address is needed for the RP.

date_signed

date-time

required

Timestamp of when the enrollment was signed by the member (ISO 8601 format, e.g. "2026-03-10T09:22:47+00:00").

enrollees

array of objects

required

List of enrollees for the new membership. Must include at least one enrollee with relationship_type "POLICY_HOLDER".

enrollees*

Responses

200Successful creation response

400Bad request - The request could not be processed due to validation errors. Contains ACTIONABLE errors that can be fixed by correcting the request data.

401Vendor is not authorized for API access

500Internal server error - An unexpected error occurred that requires Oscar intervention. Contains ESCALATE errors. Please contact Oscar support with the application_id if available.

503Service temporarily unavailable - A transient error occurred. Contains RETRY errors. Retry the request with exponential backoff.