---
schema_version: "secwatch.filing_event.v1"
accession: "0001568651-22-000036"
form_type: "8-K"
ticker: "OSCR"
cik: "0001568651"
company_name: "Oscar Health, Inc."
filed_at: "2022-08-11T23:59:59+00:00"
generated_at: "2026-06-24T00:50:34.022162+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Oscar Health Q2 2022: revenue up 88% YoY to $995M, net loss widens to $112M; reaffirms FY22 outlook

## Summary
- Membership 1,036,720 (+84% YoY); Direct & Assumed Premiums $1.7B (+101%).
- Premiums earned $995M (+88%); MLR 82.2% (down 20 bps YoY).
- Net loss $112M (vs $73M loss in Q2'21); Adj. EBITDA loss $76M (vs $51M).
- InsuranceCo Combined Ratio improved 50 bps YoY to 101.7%.
- Reaffirmed 2022 guidance: Direct Premiums $6.1-6.4B, MLR 84-86%, Adj. EBITDA loss $480-380M.

## SEC filing metadata
- accession: 0001568651-22-000036
- form_type: 8-K
- ticker: OSCR
- cik: 0001568651
- company_name: Oscar Health, Inc.
- filed_at: 2022-08-11T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1568651/000156865122000036/0001568651-22-000036-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1568651/000156865122000036/oscr-20220811.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001568651-22-000036
- JSON: https://secwatch.observer/filing/0001568651-22-000036.json
- Plain text: https://secwatch.observer/filing/0001568651-22-000036.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.