{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-22-000019","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2022-05-10T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.245795+00:00","generated_at":"2026-06-25T21:40:21.413052+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Oscar Health Q1 membership up 98% to 1.07M; net loss narrows to $77M","bullets":["Direct and Assumed Policy Premiums $1.68B (+104% YoY); Premiums earned $955M (+159% YoY).","Medical Loss Ratio 77.4% (up 300 bps YoY); InsuranceCo Combined Ratio 97.2% (up 300 bps).","Net loss of $77M improved $12M YoY; Adjusted EBITDA loss $37M worsened $9M YoY.","Adjusted Administrative Expense Ratio improved 220 bps to 23.8% on operating leverage.","Reaffirmed FY2022 outlook: DAPP $6.1-6.4B, MLR 84-86%, Adj. EBITDA loss $380-480M."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-22-000019","json":"https://secwatch.observer/filing/0001568651-22-000019.json","markdown":"https://secwatch.observer/filing/0001568651-22-000019.md","text":"https://secwatch.observer/filing/0001568651-22-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865122000019/0001568651-22-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865122000019/oscr-20220510.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T21:40:21.413052+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}