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The themes Oscar Health is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The themes it is part of
Highest-graded in Healthcare Plans
Graded A or B and worth $2B or more: A first, then the largest.
CVSCVS Health CorpUS$114.3BA
CIThe Cigna GroupUS$78.3BA
CLOVClover Health Investments, Corp.US$2.7BA
HUMHumana Inc.US$54.1BB
Grade rose recently in Healthcare
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
DHRDanaher Corporation2026년 10월 21일CBGraded C, now B
MCKMckesson Corporation2026년 11월 4일BAGraded B, now A- CVSCVS Health Corp2026년 11월 4일BAGraded B, now A
EWEdwards Lifesciences Corporation2026년 11월 4일BAGraded B, now A
GEHCGE Healthcare Technologies Inc.2026년 10월 28일CAGraded C, now A
어떻게 돈을 버는가
- Health insurance premiums
- Investment income
- Marketplace and other revenue
경쟁 상대
무엇을 파는가5
Individual and family health plans
Health insurance plans sold through ACA marketplaces and directly to individuals and families. Plans vary in monthly premiums and how much members pay toward covered care.
+Oscar Campaign Builder
Software for health insurers and care providers to identify people who may benefit from outreach, send personalized messages, and track responses.
Lucie enrollment platform
A website and software service that lets consumers, employers, and brokers compare and enroll in individual medical and supplemental health plans.
2개 더 보기
Trove Group insurance agency
An insurance agency that sells individual medical and supplemental health plans from multiple insurance companies.
HealthInsurance.org
A website with health insurance information that helps consumers navigate ACA, Medicare, and Medicaid marketplaces and connects them with insurance options.
누가 사는가5
- Individuals and families buy Oscar health plans through ACA marketplaces, directly from Oscar, or with help from brokers.
- Employees can choose Oscar plans when their employers provide money for individual health coverage through an ICHRA.
- CMS pays Oscar premium subsidies for eligible members; CMS paid 93% of premiums and members paid 7% (FY 2025, high).
2개 더 보기
- Health insurers and care providers can buy or use Campaign Builder to contact and support patients or members.
- Brokers and consumers use Lucie to compare and enroll in individual health plans.
무엇에 기대고 있고, 무엇이 무너뜨릴 수 있는가
사업이 기대고 있는 것
- 1Oscar relies on ACA marketplace rules and government premium subsidies to support enrollment and premium payments.
- 2CMS administers premium payments, enrollment checks, and risk adjustment, which can change the amount Oscar receives for covering members.
- 3Oscar needs doctors, hospitals, and other providers to join its networks and agree to payment terms.
- 4Brokers bring in most of Oscar’s members, and Oscar pays broker commissions and bonuses.
- 5Oscar uses outside technology and cloud-service providers, including Amazon and Google, to support its systems.
잘못될 수 있는 일
- 1Changes to subsidies, eligibility checks, enrollment periods, or other ACA rules could make coverage less affordable or reduce enrollment in Oscar’s plans.
- 2Oscar must estimate medical claims and risk-adjustment payments before final amounts are known; unexpected care costs or later payment changes can affect revenue and expenses.
- 3CMS eligibility reviews and fraud-prevention checks can remove members retroactively and require premium refunds; Oscar expected 250,000–300,000 members to be retroactively disenrolled as of July 1, 2026 (medium confidence).
Oscar Health, Inc. 소개
Oscar sells health plans mainly to individuals and families buying coverage under the ACA, and also covers employees whose employers provide an Individual Coverage Health Reimbursement Arrangement (ICHRA). Members can use Oscar’s app, virtual care, and Care Team to find doctors, understand benefits, and arrange care; Oscar pays claims to doctors, hospitals, and pharmacies. Oscar covered 2.96 million effectuated members (June 30, 2026, high). It also sells engagement software to health insurers and care providers, and owns insurance-enrollment and brokerage businesses.
- 본사
- New York, New York, United States
- 설립
- 2012
- 임직원 수
- 2,305 (December 31, 2025, high)
- 상장 시장
- NYSE
- 회계연도 종료
- December 31
Oscar Health, Inc.이(가) 미국 증권거래위원회(SEC)에 직접 제출한 공시로 만들었습니다. 수치는 보고된 그대로이며, 주당 이력은 오늘의 주식 수 기준으로 재계산했습니다. 이것은 사업을 설명하는 자료입니다. 투자 자문이 아니며 어떤 매수나 매도도 권유하지 않습니다.
