Oscar Health, Inc.
Oscar Health, Inc. is classed by the SEC under Hospital & Medical Service Plans (industry code 6324), based in New York, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $29 million and a loss of $443 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6324, Hospital & Medical Service Plans); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.2 out of ten, 9 of 9 metrics filed: past 3.6 out of ten, present 3.8 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.5 out of ten. No warning events in its filings since 2017. 65th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.4 out of ten. +69.8% a year over 7 filed years; profitable in 1 of 7. 44th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 1.1 out of ten. Share count grew 7.3% a year. 0% of cash flow returned. Insiders: 62 sales, 1 purchases. 11th percentile among 9 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 1.8 out of ten. ROE -45%: lost 45¢ per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar. 18th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.8 out of ten. bottom 48% of 10 in its family; net margin -3.8%. 48th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 6.2 out of ten. top 38% of 10 in its family for leadership; chief executive since 2023. 62nd percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 9.5 out of ten. top 5% of 10 in its family for room to expand. 95th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.2 out of ten. top 48% of 10 in its family for growth drivers. 52nd percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 2.8 out of ten. bottom 28% of 10 in its family for expectations against reality. 28th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form 4, 2026-09-22. Filings on record since 2013. Read from EDGAR 2026-10-12.
Who runs it
Bertolini, Mark T (Chief Executive Officer); Kushner, Joshua (Co-Founder and Vice Chairman); Liang, Janet (President, Oscar Insurance); Schlosser, Mario (President of Technology & CTO); Blackley, Richard Scott (Chief Financial Officer); Sankaran, Sid (Interim CFO); Baltrus, Victoria (Chief Accounting Officer); Mcananey, Adam (Chief Legal Officer); Wittman, Vanessa Ames (director); Claremount, Tw, L.p. (director); and 12 more. 22 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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