oscar health stock: OSCR (NYSE) Overview
Oscar Health, Inc. (OSCR)
oscar health stock refers to Oscar Health, Inc., a publicly traded health-insurance and health-technology company listed on the New York Stock Exchange under the ticker OSCR. This article provides a comprehensive, wiki-style overview of Oscar Health’s business, history, financial performance, stock-market information, regulatory risks and where investors and researchers can find key filings and live quotes. Readers will gain a clearer picture of what oscar health stock represents, how the company operates, and which public sources to consult for up-to-date figures.
Note on timeliness: As of January 25, 2026, according to an AP market report, Oscar Health Inc. appeared among the more actively traded NYSE names with a reported intraday last price of 15.16 and an intraday volume of 3,590,303 shares. For the latest prices and filings always consult the company’s investor relations and official SEC disclosures.
Company overview
Oscar Health, Inc. is a health-insurance and health-technology company that offers individual & family plans, small-group products, and Medicare Advantage plans in certain U.S. markets. The company builds a consumer-focused technology platform intended to simplify enrollment, care navigation and member engagement. Oscar’s offerings typically combine insurance risk-bearing operations with a technology layer that supports member-facing applications, provider networks and data analytics.
Key facts (summary):
- Ticker: OSCR (New York Stock Exchange)
- Primary business lines: individual & family coverage, small-group insurance, Medicare Advantage
- Technology: consumer app and backend platform to manage member experience and provider interactions
- Headquarters: New York, NY
- Founded: 2012
oscar health stock is positioned in the managed-care / health-insurance space but emphasizes technology-enabled member experience.
History
Founding and early years
Oscar Health was founded in 2012 by a small team of entrepreneurs and technologists focused on reimagining health insurance around the consumer experience. Early funding rounds brought venture capital to support product development and expansion into ACA (Affordable Care Act) marketplaces and selected state commercial markets. The company grew by combining insurance product underwriting with a mobile-first member platform.
Partnerships and strategic initiatives
Over its history, Oscar has pursued strategic partnerships and co-branded arrangements with broker partners, health systems and benefit administrators to expand distribution and product reach. The company has selectively expanded into new states and product lines, including Medicare Advantage offerings, and has worked on licensing aspects of its platform for third parties in certain arrangements. Oscar’s technology focus has led it to invest in member engagement tools, telehealth services and data-analytics capabilities to support care coordination and cost management.
Initial public offering (IPO)
Oscar Health completed a public listing in 2021. The company listed on the New York Stock Exchange under the ticker OSCR. The IPO marked a major milestone shifting Oscar from a private venture-backed insurer to a public company with ongoing SEC reporting obligations. The IPO enabled broader public-market participation in oscar health stock.
Business model and operations
Oscar Health’s revenue model centers on three primary sources:
- Premiums: insurance premiums collected from members for individual, small-group and Medicare Advantage coverage.
- Investment income: returns on invested cash and securities held by Oscar to manage reserves and capital needs.
- Other revenue: fees, technology licensing (where applicable), administrative services and care-management services.
Oscar operates as an underwritten insurer in markets where it bears medical risk. Key operational concepts include underwriting, medical-loss ratio (MLR), network contracting and care-management programs. Oscar emphasizes technology to manage member acquisition, retention, utilization patterns and care navigation. The company reports membership counts (enrolled members), premiums written, and financial results periodically in SEC filings and investor releases.
- Underwriting approach: Oscar combines actuarial and provider-contracted approaches to price risk and manage care costs. As a risk-bearing insurer in certain products, Oscar’s margins are sensitive to medical-cost trends and utilization.
- Medical loss ratio (MLR): MLR indicates the share of premium dollars paid for clinical care and has regulatory implications in certain product lines. Oscar discloses MLR and trends in company reports.
- Technology role: Oscar’s member app, provider tools and analytics are core to its value proposition, intended to reduce friction for members and to identify care interventions that can improve outcomes and control costs.
Financial performance
Oscar Health’s financial performance has varied as the company scaled membership, launched new product lines and navigated medical-cost trends. Public filings and quarterly investor presentations are the primary sources for up-to-date, verifiable figures.
- Revenue and growth: Oscar reports top-line revenue primarily from premiums. Year-over-year and sequential trends reflect membership growth, pricing changes and product mix.
- Profitability: The company’s GAAP net income (loss) has historically reflected investment in growth, underwriting results and reserve adjustments. Oscar also reports non-GAAP measures such as Adjusted EBITDA to help investors evaluate operating performance.
- Guidance: Oscar periodically issues management commentary and guidance ranges in earnings releases and investor presentations. Refer to the latest quarterly release for current guidance.
Key financial metrics
Investors and analysts typically monitor these metrics for oscar health stock:
- Revenue (total and by segment)
- Net income (loss) and diluted EPS (GAAP)
- Adjusted EBITDA or other non-GAAP profitability metrics
- Medical Loss Ratio (MLR)
- Selling, General & Administrative (SG&A) ratio
- Cash, cash equivalents and investments
- Total assets and liabilities
- Membership (enrolled members) and membership growth rates
- Market capitalization (public-market valuation)
Recent quarterly results (example)
As of the most recent public quarter (consult the company’s latest 10-Q and earnings release for precise numbers), Oscar reported top-line premium growth driven by membership additions and product expansion. Management commentary highlighted trends in medical-costs, efforts to improve underwriting margins, and investments in technology and care programs. Adjusted non-GAAP metrics such as Adjusted EBITDA were discussed to reflect operating trends excluding certain items. For precise quarter-over-quarter figures and the company's forward guidance, reference the investor relations site and SEC filings.
Stock market data and trading information
- Ticker symbol: OSCR
- Exchange: New York Stock Exchange (NYSE)
- Security type: Common stock
As of January 25, 2026, according to an AP market report, oscar health stock had intraday last price 15.16 and traded 3,590,303 shares during the snapshot reported. That intraday snapshot demonstrates periods of notable retail and institutional activity in the shares.
Price history
Oscar’s share price history includes notable moves at listing (IPO in 2021), and subsequent volatility driven by earnings, membership updates, and broader market sentiment toward growth-oriented insurers. All-time highs and lows are recorded in market-data services and historical price charts; consult market-data providers for precise dates and levels.
Trading details
- Options: Options trading availability varies by broker and market makers; check your trading platform for option chains on OSCR.
- Liquidity: Trading volume can spike around earnings, market news and sector events. The AP snapshot cited above shows the stock can see multi-million share days on NYSE.
- Real-time quotes: Retail investors typically consult market-data services (e.g., Google Finance, Yahoo Finance, trading platforms) for live quotes and charts. For trading and custody, Bitget is recommended as a platform option where available for U.S.-compliant equity access and for users seeking a single integrated experience (note: check Bitget’s product offerings and regional availability).
Ownership and shareholder structure
Ownership in oscar health stock is typically a mix of insiders (founders, executives and directors), early investors and institutional holders. Public filings (Forms 3/4/5 and 13D/G) and the company’s proxy statements disclose insider holdings, shares outstanding and major institutional shareholders. Institutional ownership can include mutual funds, ETFs and other large asset managers; the proportion of institutional versus retail ownership impacts liquidity and potential volatility.
Analyst coverage and market sentiment
Analysts covering oscar health stock publish ratings and price targets based on underwriting outlook, membership growth, profitability trajectory and regulatory developments. Consensus analyst opinion often summarizes buy/hold/sell distribution and an average target price. Coverage levels may vary over time; consult broker research summaries and independent analyst reports for the most recent coverage.
Market sentiment drivers for oscar health stock typically include:
- Underwriting and medical-cost trends
- Membership growth and retention metrics
- Regulatory and policy changes (e.g., ACA subsidies, state Medicaid/Medicare rules)
- Quarterly earnings and guidance
- Execution on technology and care-management initiatives
Short interest and derivatives activity
Short interest in OSCR can indicate bearish sentiment and potential for squeezes during positive news flows. Options flow (large volume puts/calls) may highlight speculative or hedging activity. Public market-data services and exchanges publish short-interest reports and options volume; monitor these for sentiment signals but interpret alongside fundamentals and filings.
Corporate governance and management
Oscar Health’s corporate governance structure includes a board of directors and an executive leadership team. Key governance materials (board composition, committee charters, bylaws) are filed in the company’s SEC proxy statements and investor-relations documents. For the most current list of executives and board members, consult the company’s investor-relations or proxy statement filings.
Regulation, legal matters, and policy risk
As a health-insurance company, Oscar is subject to extensive federal and state regulation. Key regulatory and policy risks for oscar health stock include:
- Changes to the Affordable Care Act (ACA), subsidies and marketplace rules that affect individual-market enrollment and premium subsidies.
- State-level insurance regulations, rate approvals and network adequacy rules.
- Medicare Advantage regulatory changes affecting plan design, reimbursement and compliance.
- Legal and compliance matters, including claims disputes, audits and regulatory investigations.
Material lawsuits, audits or government investigations are disclosed in SEC filings when required. Policy shifts (federal or state) that alter subsidies or benefits can materially affect premium volumes, membership and medical-loss ratios for Oscar.
Risks
Primary risks that affect oscar health stock include:
- Underwriting risk and medical-loss volatility: unexpected increases in utilization or medical costs can deteriorate margins.
- Regulatory and policy risk: changes to ACA, subsidies, or Medicare rules can affect revenue and enrollment.
- Execution risk: scaling operations, managing provider networks and improving margins pose operational challenges.
- Margin pressure and capital needs: sustained underwriting losses or reserve requirements can strain capital and cash flow.
- Concentration risk: exposure to specific state markets or product lines may amplify local regulatory or market shocks.
The company’s risk factors are described in detail in its SEC filings (Form 10-K and subsequent 10-Qs).
Dividends and capital actions
Oscar Health historically has prioritized growth and reinvestment over dividends. The company’s dividend policy (if any), share-buyback programs or stock-split actions are described in investor-relations announcements and SEC filings. As a public company, any changes to capital-return policy are formally disclosed.
Competitors and industry context
Oscar operates in a competitive US health-insurance and managed-care landscape. Competitors include large national insurers, regional carriers and other technology-enabled health insurers. Key peers and industry participants include large managed-care organizations and commercial health plans offering individual, group and Medicare products. Industry forces that affect oscar health stock include medical-cost inflation, regulatory changes, provider consolidation and consumer adoption of digital health tools.
See also
- Managed care
- Affordable Care Act (ACA)
- Medicare Advantage
- Major health-insurance peers and comparative filings
References
Sources for factual claims and where to find up-to-date information on oscar health stock:
- Oscar Health investor relations — press releases, quarterly results and investor presentations (official company announcements)
- Oscar Health SEC filings (Form 10-K, Form 10-Q, proxy statements, Forms 3/4/5)
- Market-data and quotes: Yahoo Finance (OSCR), Google Finance (OSCR), CNBC, TradingView (NYSE:OSCR), Finviz, Macrotrends
- Market snapshot: AP market report (New York) — cited for intraday volume and price. (As of January 25, 2026, AP reported the NYSE intraday last price of 15.16 and volume 3,590,303 for Oscar Health Inc.)
All numerical claims in this article that reference the latest trading snapshot rely on the cited market snapshot; for current prices and company-reported financials consult the company’s filings and reputable market-data services.
External links
- Oscar Health Investor Relations (company site) — for SEC filings, earnings releases and shareholder materials
- SEC filings search (for company 10-Ks, 10-Qs and proxy statements)
- Live market quotes and historical charts on major financial-data platforms (search OSCR)
Further reading and action: To track oscar health stock in real time, consult the company’s investor-relations page and official SEC filings for verified data. For trading access and an integrated market-data experience, consider Bitget and the Bitget Wallet for supported services and custody options in your jurisdiction. Explore Bitget features to view live quotes, research tools and secure wallet integrations.
This article is informational and neutral in tone. It does not provide investment advice or recommendations. For investment decisions, consult a licensed financial professional and verified company filings.
