Q3 2025 Oscar Health Inc Earnings Call Transcript

Nov 6, 2025 / 01:00 PM GMT

Release Date Price: MXN308.57 (-2.64%)

Transcript 10-Q8-K

Key Points

Positve

Oscar Health Inc (OSCR) reported a 23% increase in total revenue year over year, reaching approximately $3 billion.
The company ended the first nine months of 2025 with more than 2 million members, a 28% increase over last year.
Oscar Health Inc (OSCR) is expanding its market presence, with the Oscar Experience available in 20 states, including new entries into Alabama and Mississippi.
The company is introducing innovative products, such as the Hello Meow plan for women experiencing menopause, which is a first in the individual market.
Oscar Health Inc (OSCR) is leveraging AI technology with its health AI agent, Oswell, to enhance member health management and care path improvements.

Negative

Oscar Health Inc (OSCR) reported a $129 million loss from operations and an adjusted EBITDA loss of $101 million for the third quarter.
The medical loss ratio (MLR) increased by approximately 380 basis points to 88.5%, indicating higher market morbidity.
The company anticipates a contraction in the overall market due to the expiration of enhanced premium tax credits and program integrity efforts.
Oscar Health Inc (OSCR) faces challenges with higher average market morbidity, attributed to Medicaid Lives entering the market.
The company expects a sequential decline in membership in the fourth quarter due to historical churn patterns and the end of continuous monthly SEP for certain income levels.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

OSCR.N - Oscar Health Inc
Q3 2025 Oscar Health Inc Earnings Call
Nov 06, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning. My name is Dustin, and I will be your conference operator today. At this time, I would like to welcome everyone to Oscar Health's 3rd quarter 2025 earnest conference call. And if you'd like to ask a question, please press star and the number 1 on your telephone keypad. And if you'd like to withdraw your question or your question has been answered, please press 1 again.

Thank you.

I will now turn the conference over to Chris Potar, Vice President of Treasury and Investor Relations. Please go ahead, sir.

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Unidentified_2 [2]
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