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distributions of what followed similar states, measured before today's news. Not a forecast; no side."},"schema":"company_file.v1","thesis":{"view":"","scenario_ranges":null,"what_changes_it":""},"no_side":true,"sources":[],"business":{"drivers":["Oscar works to bring new and innovative insurance products to market, built to meet the healthcare needs of consumers from various communities.","Our products help remove financial barriers to high-value services, with a focus on leveraging affordable care, clinical strategies, and our innovative.","Some of our products incorporate benefits and programs of particular value to certain members, such as our products specifically targeting diabetes, asthma."],"description":"OUR BUSINESS Oscar is a leading healthcare technology company built around a full stack technology platform and a relentless focus on member experience. We offer health plans through the ACA serving individuals, families, and employees. We have been challenging the status quo in the healthcare system since our founding in 2012 and are dedicated to making a healthier life accessible and affordable for all. Our technology drives superior experiences, deep engagement, and high-value clinical care, earning us the trust of approximately 2.0 million effectuated members, as of December 31, 2025. Effectuated members are those who are actively enrolled in our plan and have either paid their premium or are within the grace period. In addition to supporting our insurance business, our differentiated technology platform also powers both providers and payors through +Oscar. We offer Campaign Builder, an engagement and recommendation platform that leverages the wisdom from 13+ years of building."},"earnings":{"source":"estimated from 10-Q filed 2026-08-07 plus 90 days","next_report_date":"2026-11-05"},"identity":{"cik":1568651,"sic":"6324","name":"Oscar Health, Inc.","symbol":"OSCR","cluster":"Financials & fintech","exchange":"NYSE"},"estimates":{"rows":[],"basis":"not yet estimated","consensus":null,"revisions":[]},"scorecard":{"inside_5d":null,"notes_scored":0,"band_coverage_5d":null},"disclosure":"All positions in the Research Model Portfolio are simulated. No real money is invested in this model. Our research is free and is not tailored to any reader's financial circumstances."}