{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-23-000006","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2023-02-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.635236+00:00","generated_at":"2026-06-19T20:17:07.980069+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Oscar Health reports FY 2022 net loss $610M; guides 2023 to near breakeven adjusted EBITDA","bullets":["Full-year 2022 premiums earned $3.9B, up 111% YoY; Direct & Assumed Policy Premiums $6.8B, up 99%.","Membership reached 1,151,483 as of Dec 31, 2022, a 93% increase YoY, led by Individual & Small Group.","Medical Loss Ratio improved 360 bps to 85.3%; InsuranceCo Combined Ratio improved 490 bps to 105.8%.","2023 outlook: Direct & Assumed Policy Premiums $6.4B-$6.6B, InsuranceCo Combined Ratio ≤100%.","Guides FY 2023 Adjusted EBITDA loss of ($175M)-($75M), significantly improved from ($462M) in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-23-000006","json":"https://secwatch.observer/filing/0001568651-23-000006.json","markdown":"https://secwatch.observer/filing/0001568651-23-000006.md","text":"https://secwatch.observer/filing/0001568651-23-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000006/0001568651-23-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000006/oscr-20230209.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T20:17:07.980069+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":[{"claim_id":"b30a7cf80250ddeea4be2dc09ecc15928d8f78e5","claim":"Oscar Health, Inc. reported the fourth quarter and year ended December 31, 2022 results: net income Net loss of $610 million. Guidance reaffirmed.","evidence_excerpt":"On February 9, 2023, Oscar Health, Inc. (the “Company”) announced the Company’s financial results for the fourth quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000006/0001568651-23-000006-index.htm","confidence":0.72,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and year ended December 31, 2022"},{"label":"Net income","value":"Net loss of $610 million"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}